AVCs are part of the OMERS Primary Pension Plan, but are separate from your defined benefit pension.
You can contribute to an AVC account in two ways: automatic contributions and fund transfers. Learn about your contribution options
The limits affect the amount that you can contribute via pre-authorized debit or payroll deduction – they do not apply to transfers from a registered retirement vehicle. Learn about automatic contribution limits
OMERS does not make money from AVCs. AVCs are offered on a cost-recovery basis. Learn more about fees and expenses
When you contribute to an AVC account, you’re investing in the OMERS Fund. Learn more about the investment strategy and performance
When considering the AVC option, it’s important to understand how and when you can withdraw funds from an AVC account. Understand your withdrawal options