USS

21/08/2026

Our Annual Report and Accounts are available to read on our website for year ended 31 March 2026.

*The full report includes the Scheme financial statements and other regulatory statements comprising the Task Force on Climate-related Financial Disclosures Report summary, the Chair’s defined contribution statement, the Statement of Investment Principles and the Implementation statement.

18/08/2026

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.

All members who are paying in can build a savings pot in the Investment Builder – the defined contribution (DC) part of USS. If you earn above the salary threshold, you’ll start saving into it automatically. Or, if you choose to make additional contributions or transfer in other pension savings, you’ll also save into it.

You can find out more about how your USS hybrid pension works by visiting Your pension explained.

https://www.uss.co.uk/for-members/your-pension-explained

02/07/2026

Whether you’re planning on retiring in the next few years, or it’s something that seems a long way off — it’s never too early to start thinking about your future.

It’s important to set some planning time aside to make sure you’re saving enough to have the lifestyle you want at retirement.

You can find information on planning your retirement, including how much you'll need and our timeline to retirement, by visiting Thinking about your future on our website.

https://www.uss.co.uk/for-members/thinking-about-your-future

21/02/2025

Pensions can appear a little confusing at first, so we’re here to break it all down for you. Find out more about the nuts and bolts of your pension and what it means for you: https://www.uss.co.uk/for-members/your-pension-explained

13/02/2025

Watch our planning for retirement video for four easy steps to help you plan for your future.

This is "Planning for retirement" by USS on Vimeo, the home for high quality videos and the people who love them.

06/02/2025

Make a New Year's resolution to focus on your future. It’s a new year, so it’s a perfect opportunity to set some financial goals and check you’re on track for the retirement you want. Read more: https://www.uss.co.uk/news-and-views/member-news/2025/01/01212025_make-a-new-years-resolution-to-focus-on-your-future

24/01/2025

Whilst all our members build benefits in our Retirement Income Builder, if you earn above the salary threshold, you’ll start saving automatically into the Investment Builder. This gives you a flexible savings pot for your future.

To get to grips with our Investment Builder, visit our webpage to find out more: https://www.uss.co.uk/for-members/your-pension-explained/investment-builder

03/12/2024

If you’re thinking about retiring, it’s important to know how the process works and how long it takes. Our timeline to retirement explains what the lead up to your retirement date will look like for a member paying in to USS. Find out more https://www.uss.co.uk/for-members/thinking-about-your-future/a-timeline-to-retirement

07/11/2024

As you’re planning for the future, you may be thinking about what you want to do with your pension. As you’re doing this, it’s good to consider the tax implications of how much you’re building – and how much you’re going to be taking out. Find out more about pension tax: https://www.uss.co.uk/for-members/pension-tax

30/10/2024

Your retirement might seem like a long way off, but understanding how your benefits and savings are building up can help you feel more prepared for your future.

By thinking about the lifestyle you’re aiming for in retirement, you can assess whether you’re saving enough. If not, you may be able to make some adjustments. https://www.uss.co.uk/for-members/thinking-about-your-future/saving-for-retirement-when-youre-40-plus