I am a 30 year old teacher and met a cornmarket rep this wk. Of course he tried to push everything on me but I signed nothing. What I am interested in knowing more about is AVCs. Can anyone give me more information? I only began teaching in sept 04 which means I can't retire till I'm 65 (I think). But i would like to retire with full pension aged 60. So what are my options? pros/cons? Explain it to me like I'm a 2 yr old because finances aren't my strong point!