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Your pension explained

Understand the nuts and bolts of your pension and what it means for you

Getting to grips with your pension

Pensions can appear a little confusing at first, so we’re here to break it all down for you.

We’ll help you to understand what part of USS you’re in and how both parts work together. We’ll take you through what you’re building in the Retirement Income Builder and how the Investment Builder works alongside this. We’ll also give you the lowdown on all things investment to help you choose how and where to invest any Investment Builder savings.

And finally, we’ll tell you about the different ways you can take your benefits and savings.

A reminder of how USS works

  • How your pension works

    Find out about the Retirement Income Builder and the Investment Builder, and how they work together

  • Retirement Income Builder

    Find out everything you need to know about where you’re building your pension

  • What you pay and what you'll get

    Your pension and much more

  • Investment Builder

    Working alongside the Retirement Income Builder to give you flexibility for the future

  • Key features of the Investment Builder

    Defined contribution savings at a glance

  • Transferring in to USS

    Find out about transferring your pension in to USS

  • Taking your benefits and savings

    Let’s see what you’ll get when you’re ready to start taking your benefits and savings

  • MPAVCs

    Important information about your Money Purchase AVC arrangement (MPAVC) with Prudential