I just need to check with my HR Dept - I'll come back shortly.
Not sure if my last reply went through?
This is what HR told me:
AVC’s are paid through payroll, your contribution is deducted after the tax has been calculated
I'm not 100% sure. I will go and ask them a bit later. Thanks for your help so far
OK. Either way, it will affect the CGT rates applied to any capital gains.