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It’s difficult to predict future returns because in general, historical returns are a very poor forecast of future returns. However, when we compare our projections with those of others across pensions and investments, we’re not an outlier.

We can help you with details on your pension with us, but we can’t confirm details about pensions you may have with other schemes or if you have a Tapered Annual Allowance.

No, if you have been a member of the scheme for two years, you still have the option to take early retirement from age 55, just like now.

You can download and print your P60 and payslip directly from My USS. Register or log in to My USS and head to the 'My documents' section. You can then click on the P60 you would like to download and print.

Your pensionable service was based on how many days you'd been a member of USS. It included any additional service you'd received by paying AVCs or transferring in pension benefits from another scheme.

Your pension is a tax-efficient way of saving for the future as we provide a range of options that could help you manage your tax liability.

This website www.uss.co.uk ("website") is owned and operated by Universities Superannuation Scheme Limited ("USS/we/us"), a company registered in England and Wales under company number 01167127 and whose registered office is Royal Liver Building, Liverpool L3 1PY.

As well as building benefits in the Retirement Income Builder, a contribution from you and your employer equal to 20% of your salary over the salary threshold will go into your Investment Builder pot.

Delivering value for money is a key focus for the scheme and our performance in this area is reviewed in depth by the Trustee Board on an annual basis