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We are currently holding a full valuation to establish how we plan to pay the benefits promised to our members over the coming decades. To the extent we plan to rely on uncertain investment returns, the process involves trying to predict how financial markets might perform over time.

There are two parts to your pension that work together. There’s the Retirement Income Builder, the defined benefit (DB) part, which gives you a guaranteed income in retirement. Then there’s the Investment Builder, the defined contribution (DC) part, which gives you a flexible savings pot for your future. Together, they make USS a hybrid pension.

If you have pension savings elsewhere that you haven’t started taking and the scheme is registered with HMRC, you could transfer the pension benefits to the Investment Builder from most pension schemes.

Your dedicated resource page for everything included in your statement

Find out what you can do with any DC savings you have with USS.

Watch our videos to find out how the JNC’s proposed changes could affect your pension, if implemented.

Get to know who’s looking after your money and helping you build your financial future.

Celebrating fifty years of USS

It’s not too late to start paying your pension some attention, and make meaningful decisions that will help you plan for your future.