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<li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/how-were-governed/people"> People </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/how-were-governed/comments-and-complaints"> Comments and complaints </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/how-were-governed/managing-risk"> Managing risk </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/about-us/scheme-rules"> <span class="c-meganav-two__link-label">Scheme Rules</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/about-us/valuation-and-funding" aria-expanded="false" aria-controls="third-level-dropdown-0-5" role="button"> <span class="c-meganav-two__link-label">Valuation and funding</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Valuation and funding</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-0-5"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-0-5"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use 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class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/valuation-and-funding/summary-funding-statement"> Summary Funding Statement </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/valuation-and-funding/debt-monitoring-framework"> Debt monitoring framework </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/valuation-and-funding/2023-valuation"> 2023 valuation </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/about-us/report-and-accounts"> <span class="c-meganav-two__link-label">Report and Accounts</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/about-us/value-for-money"> <span class="c-meganav-two__link-label">Value for money</span> </a> </li> </ul> <div class="c-meganav-two__card-contain"> <article class="c-meganav-two__card"> <a href="/about-us/how-were-governed/people/uss-board" target="" class="c-meganav-two__card-link"> <div class="c-meganav-two__card-image" style="background-image: url('/-/media/project/ussmainsite/images/about-us/people/kate-barker_bio_comp.jpg?rev=26eb7ae3df5e4fb3a823eada71c7d08b')" aria-label="Dame Kate Barker Chair"> <span class="visually-hidden">Dame Kate Barker Chair</span> </div> <p class="c-meganav-two__card-title">Meet the USS Board</p> </a> </article> </div> </div> <div class="c-meganav-two__footer"> <a href="/about-us/report-and-accounts" class="c-meganav-two__footer-cta c-button" >Latest Report and Accounts</a> </div> </div> </div> <div class="c-meganav-two__item c-meganav-two__item--first-level"> <a class="c-meganav-two__link c-meganav-two__link--first-level js-meganav__button" href="/for-members" role="button" aria-controls="second-level-dropdown-1" aria-expanded="false"> <span class="c-meganav-two__link-label">For members</span> <span class="c-meganav-two__button"> <span class="visually-hidden">Open sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <div class="c-meganav-two__inner js-meganav-inner c-meganav-two__inner--padding"> <div class="c-meganav-two__inner-contain c-meganav-two__inner-contain--none"> <ul class="c-meganav-two__second-level js-meganav__panel" id="second-level-dropdown-1"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--second-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="second-level-dropdown-1"> <span class="visually-hidden">Back to 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class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/youre-a-new-joiner" aria-expanded="false" aria-controls="third-level-dropdown-1-2" role="button"> <span class="c-meganav-two__link-label">You're a new joiner</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">You're a new joiner</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-1-2"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-1-2"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/youre-a-new-joiner/welcome-hub"> Welcome hub </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/youre-a-new-joiner/a-pensions-overview"> A pensions overview </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/youre-a-new-joiner/what-your-pension-might-look-like"> What your pension might look like </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/youre-a-new-joiner/what-to-do-next"> What to do next </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/leaving-or-already-left" aria-expanded="false" aria-controls="third-level-dropdown-1-3" role="button"> <span class="c-meganav-two__link-label">Leaving or already left</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Leaving or already left</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-1-3"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-1-3"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/leavers-hub"> Leavers’ hub </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/thinking-of-leaving"> Thinking of leaving </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/your-pension-after-leaving"> Your pension after leaving </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/getting-a-refund"> Getting a refund </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/transferring-to-another-scheme"> Transferring to another scheme </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/retirement-checklist-for-leavers"> Retirement checklist for leavers </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/a-timeline-to-retirement-for-leavers"> A timeline to retirement for leavers </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/your-pension-explained" aria-expanded="false" aria-controls="third-level-dropdown-1-4" role="button"> <span class="c-meganav-two__link-label">Your pension explained</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Your pension explained</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-1-4"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-1-4"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/how-your-pension-works"> How your pension works </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/retirement-income-builder"> Retirement Income Builder </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/what-you-pay-and-what-youll-get"> What you pay and what you'll get </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/investment-builder"> Investment Builder </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/key-features-of-the-investment-builder"> Key features of the Investment Builder </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/transferring-in-to-uss"> Transferring in to USS </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/taking-your-benefits-and-savings"> Taking your benefits and savings </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/mpavcs"> MPAVCs </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/for-members/calculate-your-benefits"> <span class="c-meganav-two__link-label">Calculate your benefits</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/for-members/your-benefits-before-april-2016"> <span class="c-meganav-two__link-label">Your benefits before April 2016</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/thinking-about-your-future" aria-expanded="false" aria-controls="third-level-dropdown-1-7" role="button"> <span class="c-meganav-two__link-label">Thinking about your future</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Thinking about your future</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-1-7"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-1-7"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/how-much-youll-need"> How much you'll need </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/pension-building-in-your-20s-and-30s"> Pension building in your 20s and 30s </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/saving-for-retirement-when-youre-40-plus"> Saving for retirement when you’re 40+ </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/preparing-for-retirement-when-youre-55-plus"> Preparing for retirement when you’re 55+ </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/using-your-investment-builder-pot"> Using your Investment Builder pot </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/retirement-planning-tool"> Retirement Planning Tool </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/a-timeline-to-retirement"> A timeline to retirement </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/life-events" aria-expanded="false" aria-controls="third-level-dropdown-1-8" role="button"> <span 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href="/for-members/your-retirement-journey/what-will-loved-ones-and-beneficiaries-receive"> What will loved ones and beneficiaries receive </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-retirement-journey/your-pension-in-payment"> Your pension in payment </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-retirement-journey/youre-flexibly-retired"> You're flexibly retired </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/pension-tax" aria-expanded="false" aria-controls="third-level-dropdown-1-10" role="button"> <span class="c-meganav-two__link-label">Pension tax</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Pension tax</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-1-10"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-1-10"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link 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class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/pension-tax/scheme-pays"> Scheme Pays </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/pension-tax/income-tax-in-retirement"> Income tax in retirement </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/guidance-and-financial-advice" aria-expanded="false" aria-controls="third-level-dropdown-1-11" role="button"> <span class="c-meganav-two__link-label">Guidance and financial advice</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Guidance and financial advice</span> <svg class="c-meganav-two__button-icon" 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c-meganav-two__link--third-level" href="/for-members/guidance-and-financial-advice/guidance-webinars"> Guidance webinars </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/for-members/important-information-about-uss-and-your-pension"> <span class="c-meganav-two__link-label">Important information about USS and your pension</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/for-members/glossary"> <span class="c-meganav-two__link-label">Glossary</span> </a> </li> </ul> </div> <div class="c-meganav-two__footer"> <a href="/news-and-views/member-news" class="c-meganav-two__footer-cta c-button" >Read our latest member news</a> </div> </div> </div> <div class="c-meganav-two__item c-meganav-two__item--first-level"> <a class="c-meganav-two__link c-meganav-two__link--first-level js-meganav__button" href="/how-we-invest" role="button" aria-controls="second-level-dropdown-2" aria-expanded="false"> <span class="c-meganav-two__link-label">How we invest</span> <span class="c-meganav-two__button"> <span class="visually-hidden">Open sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <div class="c-meganav-two__inner js-meganav-inner "> <div class="c-meganav-two__inner-contain c-meganav-two__inner-contain--none"> <ul class="c-meganav-two__second-level js-meganav__panel" id="second-level-dropdown-2"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--second-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="second-level-dropdown-2"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" 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href="/how-we-invest/our-investment-performance"> <span class="c-meganav-two__link-label">Our investment performance</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/how-we-invest/where-we-invest" aria-expanded="false" aria-controls="third-level-dropdown-2-3" role="button"> <span class="c-meganav-two__link-label">Where we invest</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Where we invest</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-2-3"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button 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investments </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/how-we-invest/our-principles-and-approach"> <span class="c-meganav-two__link-label">Our principles and approach</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/how-we-invest/responsible-investment" aria-expanded="false" aria-controls="third-level-dropdown-2-5" role="button"> <span class="c-meganav-two__link-label">Responsible investment</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Responsible investment</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul 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href="/news-and-views/member-voice">join our research community</a></p> </div> </div> </div> </header> <main id="main"> <section class="c-banner"> <div class="c-banner__image c-banner__image--show-desktop " style="background-image: url(/-/media/project/ussmainsite/images/page-banners/celebrating-50-years_homepage-banner.jpg?rev=919149592eb34f40bf511b11469be326" role="img" alt="USS Est. 1974"></div> <div class="c-banner__inner"> <div class="c-banner__content c-banner__content--red"> <h1 class="c-banner__content-title"> Welcome to the Universities Superannuation Scheme celebrating fifty years </h1> <p class="c-banner__content-description">Go to our About us section to learn more</p> </div> </div> </section><div class="c-icon-block "> <div class="c-icon-block__intro"> <h2>What type of member are you?</h2> </div> <div class="c-icon-block__inner"> <div class="c-icon-block__item"> <div class="c-icon-block__icon"> <img 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t-color__foreground">News & information</h2> <ul class="c-card-container__list c-card-container__list--three-col"> <li class="c-card-container__list-item"> <article class="c-card " id="2f5fb0df-4d8e-4a5b-b93f-bb86d9fa9452"> <div class="c-card__image" style="background-image: url('/-/media/project/ussmainsite/images/card-thumbnails/news-articles/invest-in-people.png?rev=5d2d4bf37c4d42c7be7516fe1ed2f6ad')" role="presentation"></div> <div class="c-card__content"> <div class="c-card__content-info "> <span class="c-card__content-ribbon">8 October 2024</span> </div> <h3 class="c-card__content-title" id="2f5fb0df-4d8e-4a5b-b93f-bb86d9fa9452_title">USS awarded Gold accreditation from Investors in People</h3> <div class="c-card__content-description c-rte"><p>Universities Superannuation Scheme’s Pensions Operations team has achieved the coveted Investors in People Gold accreditation. The award follows Pensions Operations achieving the Customer Service Excellence (CSE) accreditation for the second year in succession, with compliance-plus achieved in three areas.</p></div> <div class="c-card__actions"> <a href="/news-and-views/latest-news/2024/10/10082024_uss-awarded-gold-accreditation-from-investors-in-people" class="c-button" title="USS awarded Gold accreditation from Investors in People" aria-labelledby="2f5fb0df-4d8e-4a5b-b93f-bb86d9fa9452_title 2f5fb0df-4d8e-4a5b-b93f-bb86d9fa9452_btn" id="2f5fb0df-4d8e-4a5b-b93f-bb86d9fa9452_btn" >Learn more</a> </div> </div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card t-card--one" id="d7768de6-775e-41fe-9368-b6a41a4224ab"> <div class="c-card__image" style="background-image: url('/-/media/project/ussmainsite/images/about-us/people/angus-parker_views-from-uss.jpg?rev=49d4ba5e041d4b76afa93b15b7cca4c3')" role="presentation"></div> <div class="c-card__content"> <div class="c-card__content-info "> <span class="c-card__content-ribbon">22 August 2024</span> </div> <h3 class="c-card__content-title" id="d7768de6-775e-41fe-9368-b6a41a4224ab_title">Developing our investment capability in developed markets</h3> <div class="c-card__content-description c-rte"><p>USSIM, USS’s in-house investment manager, is committed to ensuring it develops the investment capabilities required to deliver a portfolio that meets the long-term financial needs of USS’s members.</p></div> <div class="c-card__actions"> <a href="/news-and-views/views-from-uss/2024/08/08222024_developing-our-investment-capability-in-developed-markets" class="c-button" title="Developing our investment capability in developed markets" aria-labelledby="d7768de6-775e-41fe-9368-b6a41a4224ab_title d7768de6-775e-41fe-9368-b6a41a4224ab_btn" id="d7768de6-775e-41fe-9368-b6a41a4224ab_btn" >Learn more</a> </div> </div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card " id="7c8a3a41-0d1a-4790-89d3-07b2e78c2bd2"> <div class="c-card__image" style="background-image: url('/-/media/project/ussmainsite/images/about-us/people/sam-marsh_bio.jpg?rev=61bb8f41c7104bd9a11e803551b2855b')" role="presentation"></div> <div class="c-card__content"> <div class="c-card__content-info "> <span class="c-card__content-ribbon">12 August 2024</span> </div> <h3 class="c-card__content-title" id="7c8a3a41-0d1a-4790-89d3-07b2e78c2bd2_title">Dr Samuel Marsh appointed to USS Board</h3> <div class="c-card__content-description c-rte"><p>Universities Superannuation Scheme Limited – the trustee of the UK’s largest private pension scheme by way of assets – is pleased to announce that Dr Samuel Marsh joined its board as a University and College Union (UCU)-appointed non-executive director on 12 August 2024.</p></div> <div class="c-card__actions"> <a href="/news-and-views/latest-news/2024/08/081220244_dr-samuel-marsh-appointed-to-uss-board" class="c-button" title="Dr Samuel Marsh 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