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Investment decisions are based on a number of different data points, and we use our investment experience and expertise to determine how much weight to give all the information we have.

We know that it’s important for you to have options when it comes to accessing your retirement savings.

Between 6 April 2020 and 5 April 2023, tapering applied if you had both a threshold income over £200,000 and an adjusted income over £240,000.

What are private market investments? These are investments which aren’t traded publicly. They include things like property, private debt and infrastructure.

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.

What you get will depend on what you’d like to access – whether it’s your Retirement Income Builder benefits, your Investment Builder pot, or both.

Yes. But you’ll need to make sure your contributions don’t breach the conditions of any tax protections you may have in place.

Once you’ve left USS, you may be able to transfer your pension to any HMRC-registered scheme (if your new scheme allows it).

You can contact our Bereavement Team on 0151 556 0620.