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If you have Investment Builder savings, you can make investment choices by logging into My USS. Before making or refraining from making any decisions on your investments, we recommend you speak to an independent financial adviser.

This website www.uss.co.uk ("website") is owned and operated by Universities Superannuation Scheme Limited ("USS/we/us"), a company registered in England and Wales under company number 01167127 and whose registered office is Royal Liver Building, Liverpool L3 1PY.

At USS the average member typically retires early, at age 64. It’s probably something you’ve given some thought to, but how could retiring early, or even late affect your pension? Like most major financial decisions, it’s important to come up with a plan that suits you and the lifestyle you want but which also maximises how much you will receive in retirement. Retiring late or early — before or after Normal Pension Age — will have an impact on the pension you receive, and we use factors to work out what that impact will be.

As we start the New Year, we’re continuing to work hard with all the scheme’s stakeholders, including the representatives of members and employers, and The Pensions Regulator, to complete the 2020 valuation.

Take surveys, discuss new ideas and make sure that your voice is heard.

Essential details of how the scheme works and what it means to be a member

Find out how revaluation is applied to your Retirement Income Builder benefits.

A deficit does not mean that benefits won’t be paid: defined benefits already built up in the old final salary and career revalued benefits sections of the scheme and, since 1 April 2016, in the Retirement Income Builder, are protected by law and in the Scheme Rules.

For any transfers in to USS made before 1 October 2016, these will be included in the total value of your Retirement Income Builder benefits shown in My USS. For any transfers made after 30 September 2016, these will have gone in to the Investment Builder, the defined contribution (DC) part of USS.