Choose to invest ethically and in line with your beliefs and goals
With any DC savings you build with USS, you can….
Decide how and when to take your savings once you’re eligible
View and manage any savings in My USS
There’s lots to get your head around with defined contribution savings, like those in the Investment Builder, and some steps you should take
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 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.
Both options give you the choice to invest ethically and in line with your beliefs and savings goals.
Find out everything you need to know about your investment options and guidance on how to make investment choices.
Setting your Target Retirement Age (TRA)
Set a TRA in My USS to fit your future plans – especially if you’re over 50. 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.
A flexible way to take your savings
There's a number of ways you can take your Investment Builder savings, giving you the flexibility to use them in a way that suits you.
You can also access these savings sooner, from the minimum pension age onwards, and you don’t have to retire to do so.
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.
The subsidy won’t apply to any funds transferred from other pension schemes. Get to grips with the basics in our investment guide.
Need some support?
If you need a bit of guidance or want to 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, including our Understanding DC (the Investment Builder) webinar, as well as information on how to access an independent financial adviser.
Attend a free Understanding DC webinar
Find out more about the Investment Builder, as well as how you can build up a DC savings pot if you earn over the salary threshold, transfer another pension in to USS, or choose to. You can also understand more about your options for accessing your Investment Builder savings when the time is right for you.
These webinars are provided by Mercer. You can register to attend a live webinar where you’ll have a chance to ask questions, or you can watch a recorded session at a time that suits you.
Our latest investment news
15 November 2022
Changes to help you achieve your goals
We’re changing how we report on the USS Growth Funds in the Investment Builder.
Our journey to Net Zero
Here’s your chance to catch up on our latest webinar where you’ll hear from USSIM's Head of Strategic Equities – Innes McKeand and Head of Responsible Investment - David Russell. They talk about why climate change matters for investments, what Net Zero is and how they’re planning to achieve our Net Zero ambition, and of course what this means for members.
26 July 2022
ESG – Environmental, social and governance criteria underpin how we assess the impact of an investment and the way companies we invest in are run.