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You have different options open to you depending on your age. And even if you’re not able to start taking your benefits yet, there are things you can do to prepare yourself for your future.

USS has published its annual Report and Accounts for 2015/16, a period in which the trustee has continued its transformational investment in both the asset management business and in pensions administration systems.

To the extent that contributions paid in the past were ultimately not enough to fund the promises being made, a defined benefit (DB) pension scheme will be in deficit. The total combined contribution rate paid by USS employers and members today does include payments dedicated to recovering the Scheme’s deficit.

If you have both Retirement Income Builder benefits and Investment Builder savings, you have a hybrid pension. This means you have both a defined benefit pension, which guarantees you an income at retirement, and a defined contribution pension, which gives you a flexible savings pot that you can use in a variety of ways. So, you’ll get the best of both worlds.

Retirement might seem far off, but research shows time passes more quickly as you get older

It’s coming up to two years since the date of the 2020 valuation. What’s been happening to the funding position in that time and where do things stand today?

We’re changing how we report on the USS Growth Funds in the Investment Builder.

USS has issued a statement in relation to UUK’s response to a consultation on the proposed Technical Provisions for the 2020 valuation.