How do I contribute?

There are two ways to contribute to an AVC account.

1. Fund transfers

The fund transfer option is available to all OMERS members up to the end of the year in which they turn 70.  Fund transfers to your AVC account may come from an RRSP, a locked-in retirement account (LIRA) or other registered retirement vehicles.

    2. Automatic contributions

    Automatic contributions are available to you if you are an active member. They're easy to set up, and:

    • Are automatically withdrawn via pre-authorized debit or payroll deduction if your employer offers the AVC payroll deduction option.*
    • Are subject to minimum and maximum contribution limits established by OMERS
    • Are tax-deductible in the year they are made.

    When deciding on how much, and how often, you wish to contribute, please remember that the $35 annual administration is not prorated and the full amount applies to your account regardless of the number of months contributed for the year. Keep this in mind when considering the amount, start date and frequency of your automatic contributions.

    *OMERS employers can choose to offer the AVC payroll deduction option. 

    Catch-up payments for automatic contributions

Ready to get started with a transfer or automatic contributions?

Set up an AVC account
  • AVC Fact Sheet .pdf

  • AVC Guide .pdf

  • Terms of Participation .pdf