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The Investment Builder

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

The Investment Builder: a savings pot with tax relief

All members can build an Investment Builder pot. If you earn above the salary threshold, you’ll start saving into it automatically. Or, if you make additional contributions or transfer in other pension savings, you’ll also save into it.

You’ll continue to build benefits in the Retirement Income Builder, the defined benefit (DB) part, which works alongside your savings pot in the Investment Builder, the defined contribution (DC) part. This gives you the best of both worlds – a guaranteed retirement income and a separate flexible savings pot.

Visit how your pension works for more on how both parts work together.

But you get much more than just a savings pot

  • In most cases, you won’t pay any more than your contributions as your employer covers admin costs and investment management fees.
  • You get to choose how and where to invest your Investment Builder savings.
  • We have a dedicated team of experts whose sole responsibility is to invest your contributions in the right place at the right time for you.
  • We invest responsibly and ethically so you can choose investments based on your principles. All aim to deliver a good financial return.

There’s lots to get your head around with defined contribution savings, like those in the Investment Builder

Take a look through the sections below to help you get to grips with it all.

  • Choosing how and where to invest

    This is completely up to you. You can let our team of experts manage your investments for you with the Do It For Me Option, or you can make investment choices yourself with the Let Me Do It Option.

    Find out everything you need to know about your investment options and guidance on how to make the right choice for you.

  • Setting your Target Retirement Age (TRA)

    It’s important you set a TRA in My USS to fit your future plans – it’ll impact when we move your investments (if you’re in the Do It For Me Option) and when we contact you about your Investment Builder savings and your options.

    It doesn’t need to be the same as the Normal Pension Age (NPA) and can be before or after you take to your Retirement Income Builder benefits. Visit choosing your investments to find out more.

  • Choosing to save more

    To make additional contributions to the Investment Builder, log in to My USS and visit the view or manage savings page.

    You’ll find a video on how to make additional contributions in My USS. Don’t forget to set your investment choices and your TRA too.

  • Investment management fees

    Your employer will subsidise most investment management costs for the foreseeable future. So, in most cases, saving into the Investment Builder won’t cost you any more than your contributions.

    You’ll have to pay fees if you transfer another pension over to the Investment Builder. Get to grips with the basics in our investment guide.

  • Need some support?

    If you need a bit of guidance or want seek financial advice on your options, retirement decisions or your investments, visit our guidance and financial advice page. You’ll find a range of resources to support your planning and information on how to access an independent financial adviser.

  • View your benefits and savings in My USS

    Log in or register for My USS to see what you’ve built up and make investment choices that are right for you.

Our latest investment news

  • Investing ethically: a podcast with our experts

    Hear from our investment experts on how we invest ethically.

  • Responsible Investment – hear from our experts

    We’ve been involved in Responsible Investment for over twenty years. We caught up with two of our experts to talk all things Responsible Investment. Watch our video below to find out what Responsible Investment is, how we do it and why we do it.

  • USS announces Net Zero ambition

    Universities Superannuation Scheme Limited – the trustee of the UK’s largest private pension scheme by way of assets – has reinforced its view of climate change as a financial risk to the returns generated by its assets by announcing its ambition to be Net Zero for carbon by 2050, if not before.

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