Yes you can! You can do this by paying additional voluntary contributions (AVCs). This is another method that will help you boost your savings as your contributions are taken from your salary before tax and the investment returns on your AVCs are largely tax-free.

They can be made on a regular monthly basis or as one-off payments. You can also increase, decrease or even stop AVCs at any time.

Your contributions are taken automatically from your pay under the Emerson SMART contribution arrangement. By participating in SMART, your pension contributions are taken before tax or National Insurance contributions (NICs) are taken, meaning you receive tax relief at your highest marginal rate, and you should receive an increase in your take home pay through reduced NICs.