Your steps to retirement


Get prepared and
understand your options

Find out when you can retire and start to plan. Regardless of how far away you are from retirement, it's not too late to start planning or making additional contributions. Use our modellers to find out how much you should save for your retirement plans and read about your options at retirement. You can also find more information on our retiring page.


What to
do next?

Read our pre-retirement checklist to make sure you are on track for the retirement you want.
When you retire and access your benefits in the USS Retirement Income Builder, you will be able to take your savings from the USS Investment Builder in one or a combination of ways. Find out what these options are here.


Get ready
for retirement

Understand your options and make sure they are still right for you. Understand your pensions tax implications and get independent financial advice.
If you are finally ready to retire, and you are currently paying into the scheme contact your employer who will then start the retirement process for you. If you no longer pay into the scheme, contact us and we will be happy to help.