Manage my investments
Frequently asked questions
Manage my investments
If you have Investment Builder savings, you should set a Target Retirement Age (TRA) to reflect your future retirement goals. If you don’t set a TRA, it will default to the Normal Pension Age (NPA).
It allows us to automatically switch any investments you have in the Investment Builder to lower risk funds as you get closer to retirement. We do this for members in the USS Default Lifestyle Option and the USS Ethical Lifestyle Option (the Do It For Me Options). If you’ve chosen to invest in our self-select funds (the Let Me Do It Option), you’re responsible for reviewing and managing your own investments. But we’ll still send you a letter to remind you of your options around six months before your TRA.
To set or change your TRA, simply log in to or register for My USS.
If you want us to manage your investments for you, you can choose the USS Ethical Lifestyle Option – one of the Do It For Me Options. This option invests in funds that meet our Investment Builder (DC) Ethical Guidelines. We also have a Sharia investment option.
If you’d prefer to manage your investments yourself, you can choose to invest in our self-select funds (the Let Me Do It Option). There are funds available that avoid certain investments on ethical grounds.
Our Fund Factsheets, available in My USS.
Visit where we invest for information on the different markets we invest in, for both the Retirement Income Builder and Investment Builder.
Visit our responsible investment page for more information on the actions we take as part of our responsible investment strategy and our goals to reach net zero by 2050, for investing for both the Retirement Income Builder and Investment Builder.
Visit our Investment Builder page to watch our short video on your investment choices. You can also read A guide to investing in the Investment Builder for more information.
You can access Fund Factsheets and the fund performance tool in My USS.