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We spend roughly a third of our life in retirement, but how many of us have really thought about the type of lifestyle we want and whether we can achieve it?

With COVID-19 continuing to impact the lives of everyone, it’s understandable that you may be concerned about what this means for your pension, so we have answered some of the questions you may have concerning your USS pension and we’ll continue to monitor the situation and provide updates on this page in the coming weeks.

See how you can maximise your finances – read some top tips for financial planning and consider your short, medium and long term savings goals.

With the 2020 valuation providing a snapshot of our financial position as at 31 March 2020, market conditions are likely to paint a more negative picture than was anticipated before the COVID-19 pandemic. Mel Duffield, Pensions Strategy Executive, explains why it’s important for us to complete the 2020 valuation.

Whatever stage you're at within your journey to retirement, take a look at what your options are and how you can access your savings.

We are currently holding a full valuation to establish how we plan to pay the benefits promised to our members over the coming decades. To the extent we plan to rely on uncertain investment returns, the process involves trying to predict how financial markets might perform over time.

USS is a long-term, responsible investor with a legal duty to invest in the best financial interests of the scheme’s members and beneficiaries, so we can pay pensions now and long into the future. Being a “responsible investor” will mean different things to different people but, for USS, the key element here is “best financial interests”.

This paper sets out the USS trustee’s view on the proposed defined benefit Code of Practice, as set out in the Regulator’s consultation document dated March 2020.

The last few weeks have witnessed the biggest stockmarket crash since 2008 and the difficult news keeps coming. Leisure industries are being hit hard and small businesses and more financially leveraged businesses will suffer. Following several years of relatively benign conditions, 2020 has changed that course in a dramatic way.