Hi there, I'm 54 and have been paying into the AVC for over 20 years. However on several financial blog sites it has been suggested growth isn't so good and I would be better off putting extra money into a SIPP invested in a global tracker (which I have now done). I am currently a higher rate tax payer but this will change next September. In the run up to retirement (planning at 60 or earlier if possible) would I be better stopping paying into the AVC and increase payment into SIPP, or keep it split between the two as I am at present. I intend to use the money to bridge between 60 and 67 when I get state pension. Thanks in anticipation of your help.