How Do AVC's Work?

AVCs are part of the OMERS Primary Pension Plan, but are separate from your defined benefit pension.
Contribution options
You can contribute to an AVC account in two ways: automatic contributions and fund transfers. Learn about your contribution options
Automatic contribution limits
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
Withdrawal options
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
Your pension, AVCs and RRSP room
Find out how your OMERS pension and AVCs factor into your RRSP room
  • AVC Fact Sheet .pdf

  • AVC Guide .pdf

  • Terms of Participation .pdf