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As a member of the Investment Builder, you can choose how your pension contributions are invested. It’s an important choice – one of the key ways to enhance your pension savings between now and your retirement is the return on your investments.

Helen Shay became a Director of Universities Superannuation Scheme Limited on 1 September 2020. She’s also a member of the Policy Committee and Audit Committee. She is University of York’s first In-house Counsel.

We’ll pay a combination of benefits to your beneficiaries as if you’d died while paying in to USS and if you’d died after you’d retired, up to a maximum limit.

Watch our videos to find out how the JNC’s proposed changes could affect your pension, if implemented.

Find out how savvy you are when it comes to spotting a scam – take our quiz.

Prudence is a way of managing the scheme’s risk. We haven’t taken an aggressive approach to this prudence but one that’s consistent with our legal obligations.

A deficit is the difference between the amount of assets held (allowing for expected investment returns on assets held now and in the future) and the amount of money estimated to be needed to pay the pensions built up.

Professor Sir Paul became a Director of Universities Superannuation Scheme Limited on 1 September 2020. He’s also a member of the Governance and Nominations Committee.

Your pension is taxed when you receive it, just like a regular income, using your tax code provided by HMRC.