BRASS

I'm a BRASS member

Your BRASS AVCs are a tax-efficient way ​of saving more towards your main Scheme pension benefits.

Contributions

You can pay as little as £2 a week or £10 a month (if paid monthly).  Please ask your employer about the maximum you can pay.  Network Rail members: See your BRASS guide for details.

The most you can contribute to BRASS each tax year is the higher of either:

  • 15% of your gross pay, minus your normal Scheme contributions; or
  • 20% of your pensionable pay plus pensionable Restructuring Premiums if you have them, minus your normal Scheme contributions.
Join, change or top up your BRASS now.

Want to contribute more?

You can top up your regular payments to the maximum allowed with a single amount at any time. ​Use the BRASS Payroll Deduction Form to help you work out your limit.

If you go over the maximum and still want to pay more, you can apply to join AVC Extra (excludes Network Rail members).

Keep an eye on your fund choices

Your circumstances - and your ​life plans - can change, so it's a good idea to check your fund choices regularly to make sure you're saving towards the retirement you want.

If you're invested in a Lifestyle fund, it's important to tell RPMI when you plan to take your benefits. This is your Target Retirement Age, ​which will ensure that your investments are automatically switched into lower risk funds at the right time.

​Check or change your investment funds at any time in myRPS​ - it's easy!
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Remember...

Investments can go down in value as well as up.
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