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If you have both Retirement Income Builder benefits and Investment Builder savings, you have a hybrid pension. This means you have both a defined benefit pension, which guarantees you an income at retirement, and a defined contribution pension, which gives you a flexible savings pot that you can use in a variety of ways. So, you’ll get the best of both worlds.

Learn more about our net zero ambition and the progress we’re making.

USS stands for Universities Superannuation Scheme. We’re the largest private pension scheme in the country in terms of assets. Established in 1974, we’re the principal pension scheme for universities and higher education institutions in the UK.

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

Climate change is one of, if not the most significant challenge facing our society today, says David Russell, Head of Responsible Investment at USS. Here he explains what we are doing about it.

When you start building your pension with us, it’s USS Investment Management Limited who manage the assets and take care of the investments in which your contributions go. Find out more about how we manage investments, our approach to Responsible Investment and see how our investments have performed over the years.

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

Find out what happens to your pension once you’ve left but haven’t retired

It’s not too late to start paying your pension some attention, and make meaningful decisions that will help you plan for your future.