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Stronger Nudge

Important information

Subject to certain exemptions, if you apply to access or transfer your Investment Builder pot and/or MPAVC savings, or if you contact us about an application, we’re required by law to direct you to Pension Wise guidance. This is called the ‘Stronger Nudge’ and it’s the law for schemes which provide a defined contribution part, like USS.

Pension Wise is a government service from MoneyHelper that offers free, impartial pensions guidance about your defined contribution options.

We can’t proceed with your application, until you tell us that you’ve either received Pension Wise guidance or have opted out of receiving it.

Questions and answers

Transfers out

There are certain exemptions which mean that we’re not required to refer you to Pension Wise guidance. However, you’ll still need to complete the Stronger Nudge response form to confirm which of the exemptions apply to you.

Q&A for transfers out only