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If you were a USS member before 2016, you would’ve built your benefits in a different way to how you do now with the Retirement Income Builder and the Investment Builder. And if you left USS and later re-joined, you may have built up a mixture of benefits.

You have received a Statutory Money Purchase Illustration Statement which shows a snapshot of your savings as at 31 March 2025. As you had savings with us at that date, you have received this statement for that date.

If you leave the scheme with more than two years’ qualifying service, you have a right to request a transfer of your USS Retirement Income Builder benefits to another registered pension arrangement up until you are 12 months from Normal Pension Age.

No, Universities Superannuation Scheme itself is not a PFIC. Investment in a PFIC can result in additional tax liabilities and reporting requirements under US tax law.

Sam became a Director of Universities Superannuation Scheme Limited on 12 August 2024, and is also a member of the Investment Committee.

Yes, as you’ll already have received tax relief on your contributions.

These are assets, like infrastructure, that we buy and hold for a long period of time.

If you've been paying into your pension with us for less than two years, here are examples of when you may be able to get a refund on your contributions.

Here are some examples of our investments.