Hi, When I retire, I expect to have surplus cash every month from my state pension and defined benefit pension. I will also have an ARF (from current AVC contribution) which I don’t intend to draw from (ideally). Can I use this surplus cash to contribute to AVCs? If yes, do this AVCs go straight into the ARF? There is a 4% notional income from ARFs that is subjected to income tax annually. I will be on the 40% income tax bracket when I retire. As AVC contributions get tax relief, I am wondering if I can lower my income tax by continuing to contribute to AVCs? I am not where the AVCs get contributed to - ARF or ?