If you choose this option (or don’t make a choice), we’ll manage your investments for you.
Within the Do It For Me Option, you can choose for your savings to be invested into one of these two options, depending on your investment objectives and beliefs:
- The USS Default Lifestyle Option (we’ll automatically invest in here if you don’t make a choice)
- The USS Ethical Lifestyle Option (there’s more information in the ethical guidelines we follow in My USS).
For more information, see the Do It For Me section of A guide to investing in the Investment Builder.
Choose a Target Retirement Age (TRA) that’s right for you
It’s important that you choose a realistic TRA to suit your future plans, as we’ll make key investment decisions based on the age you provide. As you start to approach your TRA, we gradually change your investments. We’ll go from investing in funds that are higher risk, but with potential greater returns, to funds which usually carry a lower risk, with possible lower returns. It’s our way of helping your savings pot become more secure as you approach your TRA.
If you set your TRA too low, it may not match your future plans and you could miss out on potential investment gains. But setting it too high may mean you’re not invested in the right funds when you’re ready to take your money. If you don’t pick a TRA, it’ll automatically be set as the Normal Pension Age (NPA).
You can set your TRA in My USS.