Annual Allowance

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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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for="header-site-search">Search USS</label> <div class="c-searchbar__wrapper js-search-field"> <input class="c-searchbar__input js-search-input" id="header-site-search" name="searchTerm" type="text" placeholder="What are you looking for? " required> <button class="c-searchbar__submit js-search-submit" type="submit"> <svg aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#search" /> </svg> <span class="visually-hidden">Search</span> </button> </div> </form> <button type="button" class="c-searchbar__close js-search-close" aria-controls="searchbar" aria-expanded="true"> <svg class="c-searchbar__icon" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#close"></use> </svg> <span class="visually-hidden">Close Search</span> </button> </div> </div> <div class="c-site-wide-message c-site-wide-message--accent-two"> <div class="c-site-wide-message__container"> <svg class="c-site-wide-message__icon" role="img" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#information"></use> </svg> <div class="c-site-wide-message__content"> <p>Help us make USS better for everyone; <a 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/calculator_tax_1400x360_comp.jpg?rev=f1184f4156b84f8f9c03151f3efef9d1" role="img" alt=""></div> <div class="c-banner__inner"> <div class="c-banner__content c-banner__content--blue"> <h1 class="c-banner__content-title"> Annual Allowance </h1> <p class="c-banner__content-description">See how much you can build each year before you need to pay any tax</p> </div> </div> </section><nav class="c-breadcrumb" aria-label="Breadcrumb"> <div class="c-breadcrumb__inner"> <ol class="c-breadcrumb__list" itemscope itemtype="http://schema.org/BreadcrumbList"> <li class="c-breadcrumb__item " itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a class="c-breadcrumb__link js-analytics" href="/" itemprop="item" data-ga-function="event" data-ga-category="breadcrumb_tracking" data-ga-action="Click position 1 level - Home" data-ga-label="/"> <span itemprop="name">Home</span> </a> <meta itemprop="position" content="1" /> </li> <li class="c-breadcrumb__item " itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a class="c-breadcrumb__link js-analytics" href="/for-members" itemprop="item" data-ga-function="event" data-ga-category="breadcrumb_tracking" data-ga-action="Click position 2 level - For members" data-ga-label="/for-members"> <span itemprop="name">For members</span> </a> <meta itemprop="position" content="2" /> </li> <li class="c-breadcrumb__item " itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a class="c-breadcrumb__link js-analytics" href="/for-members/pension-tax" itemprop="item" data-ga-function="event" data-ga-category="breadcrumb_tracking" data-ga-action="Click position 3 level - Pension tax" data-ga-label="/for-members/pension-tax"> <span itemprop="name">Pension tax</span> </a> <meta itemprop="position" content="3" /> </li> <li class="c-breadcrumb__item is-active" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <span itemprop="name" aria-current="page">Annual Allowance</span> <meta itemprop="position" content="4" /> </li> </ol> </div> </nav> <div class="o-grid-container"> <div class="o-columns o-columns--one-alt-2 u-spacing--bottom u-spacing--top"> <div class="o-cell o-stacked"> <div class="c-rte t-rte--four"> <h2>Pension tax changes</h2> <p>The government has announced changes to pension tax allowances and charges, which may affect tax management measures that you’ve put in place or your savings decisions. Find out more in our <a href="/news-and-views/member-news/2024/02/02202023_tax-changes-lifetime-allowance">pension tax update</a>.</p> </div> </div> </div> </div> <div class="o-grid-container"> <div class="o-columns o-columns--one u-spacing--bottom u-spacing--top"> <div class="o-cell o-stacked"> <div class="c-rte "> <h2>What is the Annual Allowance?</h2> <p>You make contributions to USS which are tax-free. These contributions are used to build up your pension savings. The Annual Allowance (AA) is the maximum amount of pension savings you can build up each year before you get a tax charge.</p> <p>The standard AA is currently £60,000 per tax year. If you build pension savings over this you may incur a tax charge.</p> <p>If you’re a high earner, you’re likely to have a <a href="/for-members/pension-tax/annual-allowance/a-tapered-annual-allowance">Tapered Annual Allowance</a>. Or if you’ve started taking any Investment Builder savings (or any other defined contribution savings) you may have a <a href="/for-members/pension-tax/annual-allowance/money-purchase-annual-allowance">Money Purchase Annual Allowance</a> (MPAA).</p> <p>The AA applies to pension savings you’ve built up in USS and in any other pension schemes.</p> </div> <div class="c-rte "> <h3>Does AA affect you?</h3> <p>It’s likely to affect you if either:</p> <ul> <li>the value of your pension savings (in and outside of USS) is over £60,000 in the tax year</li> <li>you earn over £200,000 in a tax year</li> </ul> <h3>How is the AA calculated?</h3> <p>The pension savings you build up during each tax year are measured against the AA using a method set out by HMRC. The measure is different depending on the type of pension savings you’re building up.</p> <ul> <li>For the Retirement Income Builder (defined benefit), the measure is based on the value of the benefits you’ve earned over the tax year (it’s not based on contributions from you and your employer). The value of your Retirement Income Builder benefits is calculated as 19 times your annual pension accrued in the tax year for AA purposes.</li> <li>For the Investment Builder (defined contribution), the measure is based on what you and your employer have paid in to your pot – but doesn’t include any investment returns. </li> <li>To find out if you’ll need to pay an Annual Allowance tax charge, you can use <a href="/-/media/project/ussmainsite/files/for-members/forms/annual-allowance-worksheet.pdf?rev=7fbb66aed84241b0a416d6daed73c79e&hash=1F7B6E23F516037AF2272F2FBDFABA52" target="_blank" title="Downloads or opens in a new window">our worksheet</a>.</li> </ul> <p>To find out which part of USS you’re in visit <a href="/for-members/your-pension-explained/how-your-pension-works">how your pension works</a>.</p> <p>You can use the <a href="/for-members/calculate-your-benefits">Contributions & Tax Calculator</a> to estimate how much AA you’ve used up from the benefits you’ve built up with us. Or you can use <a href="/-/media/project/ussmainsite/files/for-members/forms/annual-allowance-worksheet.pdf?rev=7fbb66aed84241b0a416d6daed73c79e&hash=1F7B6E23F516037AF2272F2FBDFABA52" target="_blank" title="Downloads or opens in a new window">our worksheet</a>.</p> <h3>We’ll keep you in the know</h3> <p>We’ll tell you how much AA you’ve used in USS during the last tax year in your Annual Member Statement.</p> <p>If you’ve gone over the standard AA, we’ll also tell you how much AA you’ve used over the previous three years. This is so you can see whether you have any unused AA you can carry forward to cover any tax charges.</p> <h3>Using your unused AA</h3> <p>Just because you’ve gone over the AA, it doesn’t automatically mean you’ll have a tax charge. You may be able to carry forward your unused AA from previous tax years. </p> <p>Find out more in <a href="/for-members/pension-tax/annual-allowance/your-unused-annual-allowance">your unused Annual Allowance</a>.</p> <h3>Paying an AA tax charge</h3> <p>If you’ve exceeded the AA, you may be able to use your pension savings to cover the charge with <a href="/for-members/pension-tax/scheme-pays">Scheme Pays</a>.</p> <p>You can find more information about how to calculate your AA and how to pay a AA tax charge on the <a rel="noopener noreferrer" title="Opens in new browser" href="https://www.gov.uk/government/organisations/hm-revenue-customs" target="_blank">HMRC website</a>.</p> <p>If you have a tax charge, you’ll need to let HMRC know on your self-assessment tax return.</p> <h4>Need a hand?</h4> <p>Sign up for a free <a href="https://www.uss.co.uk/for-members/guidance-and-financial-advice/guidance-webinars?search=778a165d-dda2-40e4-866c-beee4469ddfd">Focus on Pension Tax webinar</a> to learn more about pension tax, including USS specific tax mitigation options. </p> <p>If you want to seek guidance or take financial advice on the options available to you, visit the <a href="/for-members/guidance-and-financial-advice">guidance and financial advice page</a>. You’ll find a range of resources to support your planning and you can also find information on how to access an independent financial adviser.</p> </div> <div class="c-accordion js-accordion js-faq" data-count=""> <div class="c-accordion__header"> <h2>Got a question?</h2> </div> <div class="container"> <article class="c-accordion__item js-accordion-item"> <h3 class="c-accordion__item-title"> <button type="button" class="c-accordion__trigger js-accordion-trigger" aria-controls="accordion-content-360475c4-7c50-4292-a6ea-c43e3550e502" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="4daeb323-0e60-43ee-b3db-70cadc27c783"> What is the Annual Allowance (AA)? <svg class="c-accordion__icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </button> </h3> <div class="c-accordion__item-body js-accordion-expand" id="accordion-content-360475c4-7c50-4292-a6ea-c43e3550e502" hidden> <div class="c-rte "> <p>The <a href="/for-members/pension-tax/annual-allowance">Annual Allowance</a> (AA) is the maximum amount of pension savings you can build up each year before you may incur a tax charge.</p> <p>The standard AA is £60,000 per tax year. If you’re a high earner, you may have a <a href="/for-members/pension-tax/annual-allowance/a-tapered-annual-allowance">Tapered Annual Allowance</a>.</p> <p>Or if you start taking your Investment Builder savings, or any other defined contribution savings, you may be subject to the <a href="/for-members/pension-tax/annual-allowance/money-purchase-annual-allowance">Money Purchase Annual Allowance</a> (MPAA). This limits how much you can pay into a defined contribution arrangement before you need to pay tax. The limit is £10,000 per year.</p> </div> </div> </article><article class="c-accordion__item js-accordion-item"> <h3 class="c-accordion__item-title"> <button type="button" class="c-accordion__trigger js-accordion-trigger" aria-controls="accordion-content-ffabe1a2-638c-483c-a002-213dc7c59e29" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="ffb806e5-69a2-491e-8c09-13b2ca768622"> Where can I find information about my Annual Allowance (AA)? <svg class="c-accordion__icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </button> </h3> <div class="c-accordion__item-body js-accordion-expand" id="accordion-content-ffabe1a2-638c-483c-a002-213dc7c59e29" hidden> <div class="c-rte "> <p>You’ll find details of your Annual Allowance (AA) on your Annual Member Statement in My USS. If you’ve gone over the standard AA, you’ll also be able to see how much AA you’ve used over the last three years. You’ll know whether you have any unused AA to <a href="/for-members/pension-tax/annual-allowance/your-unused-annual-allowance">carry forward</a> to cover your tax charge.</p> <p>You can also use our <a href="/for-members/calculate-your-benefits">Contributions & Tax Calculator</a> to work out the estimated AA used up by your USS benefits over the 2023/24 tax year.</p> </div> </div> </article><article class="c-accordion__item js-accordion-item"> <h3 class="c-accordion__item-title"> <button type="button" class="c-accordion__trigger js-accordion-trigger" aria-controls="accordion-content-8badb786-7a73-4945-b75a-baad8f0662ae" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="0c143764-21c7-4cd3-a7ab-244476c34dba"> What does carry forward mean? <svg class="c-accordion__icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </button> </h3> <div class="c-accordion__item-body js-accordion-expand" id="accordion-content-8badb786-7a73-4945-b75a-baad8f0662ae" hidden> <div class="c-rte "> <p>This is any Annual Allowance (AA) you have left over unused from the previous three tax years that can be used if you’ve gone over the current year’s AA.</p> </div> </div> </article><article class="c-accordion__item js-accordion-item"> <h3 class="c-accordion__item-title"> <button type="button" class="c-accordion__trigger js-accordion-trigger" aria-controls="accordion-content-ca9443dc-6ded-4bcb-be38-386aa138e420" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="5b099bec-884d-45c8-9e82-d8923b954428"> Can USS calculate my carry forward for me? <svg class="c-accordion__icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </button> </h3> <div class="c-accordion__item-body js-accordion-expand" id="accordion-content-ca9443dc-6ded-4bcb-be38-386aa138e420" hidden> <div class="c-rte "> <p>We’re unable to calculate any carry forward for you – you can use your Annual Member Statement in <a href="/my-uss">My USS</a> to do this.</p> </div> </div> </article><article class="c-accordion__item js-accordion-item"> <h3 class="c-accordion__item-title"> <button type="button" class="c-accordion__trigger js-accordion-trigger" aria-controls="accordion-content-d50efb7e-915b-4b5c-89eb-a200e30b3885" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="185a0a6c-71da-424c-ab2f-c8810cbe72a8"> I’ve stopped building my pension with USS. Do my benefits still count towards my Annual Allowance (AA)? <svg class="c-accordion__icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </button> </h3> <div class="c-accordion__item-body js-accordion-expand" id="accordion-content-d50efb7e-915b-4b5c-89eb-a200e30b3885" hidden> <div class="c-rte "> <p>The benefits you build up in the tax year you left USS will count towards the AA for that year. Any benefits you built up in USS in previous years won’t count. </p> </div> </div> </article><article class="c-accordion__item js-accordion-item"> <h3 class="c-accordion__item-title"> <button type="button" class="c-accordion__trigger js-accordion-trigger" aria-controls="accordion-content-f55f763a-2c8e-48f2-b3d0-b6454aa1c36d" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="21afe901-4395-42cd-a220-a9826fd4fab8"> I’ve gone over the Annual Allowance (AA). What should I do? <svg class="c-accordion__icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </button> </h3> <div class="c-accordion__item-body js-accordion-expand" id="accordion-content-f55f763a-2c8e-48f2-b3d0-b6454aa1c36d" hidden> <div class="c-rte "> <p>You’ll need to let HMRC know on your self-assessment tax return. You can find more information about paying your AA tax charge on the <a rel="noopener noreferrer" title="Opens in a new window" href="https://www.gov.uk/guidance/who-must-pay-the-pensions-annual-allowance-tax-charge" target="_blank">HMRC website</a>.</p> <p>You may be able to use your pension savings to cover the charge with <a href="/for-members/pension-tax/scheme-pays">Scheme Pays</a>.</p> <p>If you have enough unused AA to carry forward from the previous three tax years to cover the charge, you don’t need to complete a self-assessment tax return. Just keep a detailed record in case HMRC ask for more information in the future.</p> <p>You may also wish to get some tax advice from a tax adviser.</p> </div> </div> </article><article class="c-accordion__item js-accordion-item"> <h3 class="c-accordion__item-title"> <button type="button" class="c-accordion__trigger js-accordion-trigger" aria-controls="accordion-content-bef07f77-439d-4dc5-8980-f5f5f3cf30cc" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="ab85538f-bc83-4a4c-b76a-60ea7d47e13b"> Are there any USS tax options that may help me manage my Annual Allowance tax charge? <svg class="c-accordion__icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </button> </h3> <div class="c-accordion__item-body js-accordion-expand" id="accordion-content-bef07f77-439d-4dc5-8980-f5f5f3cf30cc" hidden> <div class="c-rte "> <p>You may be able to manage your Annual Allowance tax charge by using the <a href="/for-members/pension-tax/voluntary-salary-cap">Voluntary Salary Cap</a> (VSC).</p> <p>You may also be able to use your pension savings to cover the charge with <a href="/for-members/pension-tax/scheme-pays">Scheme Pays</a>.</p> </div> </div> </article><article class="c-accordion__item js-accordion-item"> <h3 class="c-accordion__item-title"> <button type="button" class="c-accordion__trigger js-accordion-trigger" aria-controls="accordion-content-259bd80a-439d-45f4-9998-fd7a04122c29" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="0386ed80-b7da-4a5e-a88c-f8eaf9e5a0bd"> I’ve gone over my Money Purchase Annual Allowance (MPAA). Can I carry forward my unused MPAA from previous years? <svg class="c-accordion__icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </button> </h3> <div class="c-accordion__item-body js-accordion-expand" id="accordion-content-259bd80a-439d-45f4-9998-fd7a04122c29" hidden> <div class="c-rte "> <p>No, you can’t carry forward any unused MPAA from previous years. Find out more about the <a href="/for-members/pension-tax/annual-allowance/money-purchase-annual-allowance">MPAA</a>.</p> </div> </div> </article><article class="c-accordion__item js-accordion-item"> <h3 class="c-accordion__item-title"> <button type="button" class="c-accordion__trigger js-accordion-trigger" aria-controls="accordion-content-349dc6c1-1583-4571-822e-14af1dc7bab1" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="6d7ca302-5b64-4214-b028-25182da5b9e7"> What is a Tapered Annual Allowance? <svg class="c-accordion__icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </button> </h3> <div class="c-accordion__item-body js-accordion-expand" id="accordion-content-349dc6c1-1583-4571-822e-14af1dc7bab1" hidden> <div class="c-rte "> <p>A Tapered Annual Allowance is lower than the standard AA and applies to those on a higher income.</p> </div> </div> </article><article class="c-accordion__item js-accordion-item"> <h3 class="c-accordion__item-title"> <button type="button" class="c-accordion__trigger js-accordion-trigger" aria-controls="accordion-content-ad73b6ec-20f1-4e32-8b7e-e034ffef0ea1" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="ae50f935-8434-4040-a412-6e4f4c94c1cd"> How do I know if a Tapered Annual Allowance applies to me? <svg class="c-accordion__icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </button> </h3> <div class="c-accordion__item-body js-accordion-expand" id="accordion-content-ad73b6ec-20f1-4e32-8b7e-e034ffef0ea1" hidden> <div class="c-rte "> <p>Tapering only applies if you have both a threshold income over £200,000 and an adjusted income over £260,000.</p> </div> </div> </article> </div> </div> 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Annual Allowance