It is that time of the year again—the air is filled with carols, Christmas lights twinkle at every corner, and everyone seems to have a reason to smile. For Chinedu, the end-of-year bonus was always the highlight of his December. 

This year, as the email announcing the bonus arrived in his inbox, Chinedu started making a mental note of things to buy; new gadgets, gifts for his family, maybe even that dream vacation he had been putting off. But then something made him pause. 

He remembered a conversation with his colleague, Bisi, who had been diligently saving a portion of her bonus every year in her RSA through Additional Voluntary Contributions (AVC). “It’s my gift to my future self,” Bisi had said with a smile. “The kind of gift that keeps on giving.” 

Intrigued, Chinedu decided to learn more. He discovered that AVCs were a flexible way to increase his pension savings. By adding to his RSA, he could build a financial cushion for his retirement, achieve his dreams sooner, and even enjoy tax benefits. 

Why It Made Sense 

Chinedu realized that while he could spend his entire bonus on the present, investing a portion in his future would provide far greater value. It wasn’t about denying himself holiday cheer—it was about striking a balance. A new gadget might last a few years, but the peace of mind from a secure future? That was priceless. 

How It Works 

Chinedu learned that making AVCs was simple. All he had to do was inform his HR department about his decision, and specify the amount he wanted to contribute, and it would be added to his RSA. These additional funds would grow with time, helping him achieve his retirement dreams or fund personal goals. 

Chinedu’s Gift to Himself 

That December, Chinedu still bought gifts for his loved ones and treated himself to something nice. But he also made his first AVC contribution. As he looked ahead to the new year, he felt a sense of pride knowing he had taken a step toward a more secure future. 

This Christmas, what gift are you giving yourself? Like Chinedu, you can transform your bonus into a meaningful investment.  

To get started, inform your HR department about his decision, specify the amount you want to contribute, and it will be added to your RSA. To learn more, email us at info@leadway-pensure.com