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Managing your hybrid pension

A few simple steps to make the most of both parts of your pension

What's a hybrid pension?

If you have both Retirement Income Builder benefits and Investment Builder savings, you have a hybrid pension. This means you have both a defined benefit pension, which guarantees you an income at retirement, and a defined contribution pension, which gives you a flexible savings pot that you can use in a variety of ways. So, you’ll get the best of both worlds.

There are a few things you need do to manage your hybrid pension and make the most of your savings for the future.

The three must-dos:

A few other things you should do to make sure your savings are on track:

There are plenty of ways to make sure your benefits and savings work for you. If you need further support in deciding what’s best, take a look at our guidance and financial advice page, where you’ll find a range of resources to support your planning and how to access an independent financial adviser.

Visit how your pension works for more on how both parts of USS work side by side.

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