Anyone have a view on this? DH works for BP and is a 45% tax payer and I'm a 40% tax payer in Higher Education. We both have Defined Benefit pensions, but can also both put AVC's into Defined Contribution pots. As he is the higher rate tax payer we have been prioritising putting the AVCs in his scheme. Is this the right decision, or could the USS scheme be better in some way?