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Protecting the pension promises made to our members.

Protecting the pension promises made to our members.

You can estimate your penalty for late self-assessment tax returns and payments at gov.uk.

Immerse yourself in its culture and explore every opportunity afforded to you. Don’t be afraid to make a mistake - we all do, but we have procedures in place to deal with them, we learn from them, and we move on.

It might be stating the obvious, but every promotion was a personal highlight. I’ve also spent time away from the Pensions department on secondment, firstly to pensions support when our pensions operating platform moved from Claybrook to Civica (Penshare).

You need to decide the overall level of your VSC and tell your employers how you want it applied.

This is any Annual Allowance (AA) you have left over from the previous three tax years. It’s known as carry forward. If your pension savings have gone over the AA for the current tax year, you can carry forward any unused AA (starting from the earliest of the three years first) to reduce the amount you’re over by.

When you and your employer start contributing to USS, you automatically begin to build a pension in the Retirement Income Builder.

Our new report, Responsible investment: what it means to us, summarises why responsible investment is central to our approach. It brings together why we invest this way, how we do it, and what it looks like in practice, with recent examples from across the portfolio.