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Omara’s a 26-year-old researcher
She’s been a USS member for two years and she earns £25,000. Her Retirement Income Builder (defined benefit) pension could be £33,439.13 a year with a tax-free lump sum of £100,317.39 when she retires. If she takes a break for four years, it could be £30,318.75 a year with a tax-free lump sum of £90,956.25.