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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 what you’re building in the Retirement Income Builder. We’ll take you through the Investment Builder and give you the lowdown on all things investment.

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

  • Want to learn more?

    Sign up to our dedicated member news and updates in My USS to learn more about your pension, your savings and your choices.

  • How your pension works

    Find out about the Retirement Income Builder and the Investment Builder and see what they can do for you

  • Retirement Income Builder

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

  • Investment Builder

    See what you can do if you have savings here and how it provides flexibility for the future

  • 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

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