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If you have pension savings elsewhere that you haven’t started taking and the scheme is registered with HMRC, you could transfer the pension benefits to the Investment Builder from most pension schemes.

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

Understand the options you have now and the ways you can track your benefits and savings for your future.

Keep on top of you benefits and savings for your future.

There are two parts to your pension that work together. There’s the Retirement Income Builder, the defined benefit (DB) part, which gives you a guaranteed income in retirement. Then there’s the Investment Builder, the defined contribution (DC) part, which gives you a flexible savings pot for your future. Together, they make USS a hybrid pension.

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

Celebrating fifty years of USS

Practical information as you move closer to retirement and get ready for lifestyle changes.