Celebrating fifty years

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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/views-from-uss/2024/04/04162024_the-arc-of-the-covenant" 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/richard-barker_views.jpg?rev=215f0c6e2d88445ba946932d3a395cb0')" aria-label="Richard Barker Covenant Lead of USS"> <span class="visually-hidden">Richard Barker Covenant Lead of USS</span> </div> <p class="c-meganav-two__card-title">The arc of the covenant</p> </a> </article> <article class="c-meganav-two__card"> <a href="/news-and-views/views-from-uss/2024/04/04092024_innovating-our-dc-offering-for-our-members" 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/naomi-clark_views.jpg?rev=87e73ce4012c43ab9a5b899f84e83909')" aria-label="Naomi Clark - Head of Investment Product Management"> <span class="visually-hidden">Naomi Clark - Head of Investment Product Management</span> </div> <p class="c-meganav-two__card-title">Innovating our DC offering for our members</p> </a> </article> </div> </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" href="/help-and-support"> <span class="c-meganav-two__link-label">Help & support</span> </a> </div> </nav> </div> <div class="c-header__ctas"> <button class="c-header__ctas-search js-search-toggle" aria-controls="searchbar" aria-expanded="false"> <svg aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#search"></use> </svg> <span class="visually-hidden js-search-toggle-label">Open search</span> </button> <span class="c-header__ctas-menu c-meganav-two__toggle"> <button class="c-meganav-two__toggle-btn js-meganav-trigger" aria-controls="meganav-main" aria-expanded="false" type="button"> <svg aria-hidden="true" focusable="false"> <use 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" 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"> <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 "> <img alt="Celebrating 50 years banner" src="/-/media/project/ussmainsite/images/50th-anniversary/celebrating-50-years-banner_1170.jpg?w=1170&rev=03c12cad85f8455498bd82741241967e&hash=38832D7F157BB7A173743AA5BE103DE9" style="width:1170px;" /> </div> <div class="c-rte t-rte--five"> <p id="top">On this page you can read <strong><a href="#History">a brief history</a></strong> by Dame Kate Barker, view <strong><a href="#Timeline">a timeline</a></strong> of the last 50 years of USS, <a href="#Membership"><strong>our membership</strong></a> numbers, <a href="#Assets"><strong>our asset values</strong></a>, a <a href="#4a9b67eb-f05d-4d55-8613-ced82a20ba82"><strong>photo gallery</strong></a> and a <a href="#Article"><strong>Q&A article</strong></a> from one of our employees.</p> </div> <div class="c-iframe" id="8bc40e67-e27e-4c75-9ca1-b896f580e332"> <div class="c-iframe__wrapper "> <iframe title="USS celebrates its 50th anniversary" src="https://player.vimeo.com/video/1019837239" scrolling="no" frameborder="0" allow="autoplay; encrypted-media" allowfullscreen></iframe> </div> </div> <div class="c-rte "> <h2 id="History">A brief history<img alt="" src="/-/media/project/ussmainsite/images/50th-anniversary/kate-barker_circle.jpg?h=205&w=200&rev=a285d817c66245de823283c86d73190c&hash=1B5B8CFD2A094C53E71A0F695A95877B" style="height: 205px; width: 200px; float: right;" /></h2> <p>It’s a great privilege to be the eighth Chair of the trustee for Universities Superannuation Scheme Limited, which was formally incorporated on Thursday 18 April 1974. </p> <p>In the subsequent 50 years there have been many changes in the world around us, but the scheme’s purpose – to work with Higher Education employers to build a secure financial future for members and their families – is unchanged. </p> <p>USS was created by the UK’s Higher Education sector, for the HE sector. </p> <p>Following incorporation of the trustee, the scheme itself was set up on 2 December 1974 and formally came into operation on 1 April 1975, with members accepted from that date.</p> <p>We owe much of its creation to the late Sir Douglas Logan, whose book <em>The Birth of a Pension Scheme</em> sets out the details of the scheme’s inception. </p> <p>In the late 1960s, the Association of University Teachers (AUT) and the Committee of Vice-Chancellors and Principals (CVCP) set up a Joint Consultative Committee to find out the extent of support in universities for a <em>terminal salary scheme</em> as an alternative to the Federated Superannuation System for Universities (FSSU). </p> <p>Sir Douglas was appointed its Chair, and several years later, he became the first Chair of the Management Committee of USS (now known as the USS Board). </p> <p>Although titles and names of organisations have changed, the framework and responsibilities of the scheme’s main committees have not. </p> <p>It was agreed that the Management Committee would constitute up to 12 members: four representing the CVCP, two representing the AUT, one representing the University Grants Committee (UGC), and at least two (but no more than five) co-opted. </p> <p>This structure has endured: today, the <a href="/about-us/how-were-governed/people/uss-board">USS Board</a> is made up of three directors appointed by University and College Union (UCU), four directors appointed by Universities UK (UUK) and up to five independent directors appointed by the board itself. </p> <p>In the latter stages of the scheme’s creation, a <a href="/about-us/how-were-governed/joint-negotiating-committee">Joint Negotiating Committee</a> (JNC) was proposed. Its final agreed remit was to initiate or consider alterations in the Scheme Rules. Any recommendations for change made by the JNC would have to be implemented by the Management Committee, with the consent of the UGC, unless the Management Committee, having taken actuarial advice, considered certain restrictions set out in the amendment power were engaged.</p> <p>The JNC’s consent would be needed for changes in the rules proposed by the trustee.</p> <p>It was to consist of five representatives each of the CVCP and AUT and an independent Chair. </p> <p>Again, the JNC’s role is no different today – and the five representatives each are from UCU and UUK. It continues to have an independent Chair appointed by the JNC itself. </p> <p>Since its establishment, USS has grown from having £10 million in assets under management in 1976 to around £75 billion today – making it the UK’s largest private defined benefit (DB) pension scheme in the UK by way of assets. </p> <p>Officially, the first USS pension was paid on 3 April 1975 – just three days after the scheme officially opened to members. The member in question had, however, transferred several years of <em>pre-scheme</em> service. </p> <p>By March 1980, 229 institutions had joined USS. Almost 40,000 people had transferred from the FSSU. The scheme’s membership at that point totalled 68,266. </p> <p>Unlike nine in 10 private DB schemes in the UK today, USS remains open to new members and its membership continues to grow every year – now standing at well over 500,000. </p> <p>Some of the very first members to join the scheme are still paying in and building up new benefits today. </p> <p>According to <a rel="noopener noreferrer" href="https://www.thepensionsregulator.gov.uk/en/document-library/research-and-analysis/occupational-defined-benefit-landscape-in-the-uk-2023" target="_blank" title="Opens in a new window">the Pensions Regulator</a>, USS accounts for half of the people still actively paying into an open DB pension scheme in the UK. </p> <p>In 2016, the supplementary defined contribution (DC) part of the scheme, the <a href="/for-members/your-pension-explained/investment-builder">Investment Builder</a>, was launched – making USS a hybrid scheme. Today, more than 150,000 members have Investment Builder savings worth almost £3bn in total. You can read about the <a href="/news-and-views/views-from-uss/2024/04/04092024_innovating-our-dc-offering-for-our-members">latest developments with the Investment Builder</a> in our Views from USS piece. </p> <p>Recent economic changes meant that the scheme’s latest actuarial valuation reported an estimated £7.4bn surplus in respect of the DB fund. </p> <p>One of the lowest member contribution rates in the history of the scheme came into effect on 1 January 2024, and the level of benefits offered by the scheme improved on 1 April 2024. </p> <p>That is a hugely positive backdrop to the scheme’s anniversary and a strong platform on which to continue our efforts to build a secure financial future for USS members and their families.</p> <p><a href="#top">Back to top</a></p> </div> <div class="c-rte "> <h3 id="Timeline">Our timeline</h3> <img alt="" src="/-/media/project/ussmainsite/images/50th-anniversary/timeline_1170.png?w=1170&rev=8cf1c90c1572454387bb24a16df15f12&hash=E907ABFD5C6E0D1E3826B5D5444BBFC7" style="width:1170px;" /> </div> <div class="c-rte "> <p><a href="#top">Back to top</a></p> </div> </div> </div> </div> <div class="o-grid-container"> <div class="o-columns o-columns--one-alt-2 "> <div class="o-cell o-stacked"> <div class="c-rte "> <h2 id="Membership" style="text-align: center;">Our membership through the years</h2> <p style="text-align: center;">Figures are rounded</p> </div> </div> </div> </div> <div class="c-card-container t-card-container--nine"> <div class="c-card-container__inner"> <ul class="c-card-container__list c-card-container__list--three-col"> <li class="c-card-container__list-item"> <article class="c-card " id="6030f21b-88ee-4153-b51f-05d4f64bad47"> <div class="c-card__content"> <div class="c-card__content-description c-rte"><div style="padding: 30px; width: 370px; margin-bottom: 0px; background-color: #34454e;"> <p><span style="font-size: 32px; color: #e4b63b;"><strong>1976</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>1993</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>1997</strong></span><br /> <span style="font-size: 24px; color: #ffffff;"> <strong>13,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>104,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>133,000</strong></span></p> <p><span style="font-size: 32px; color: #e4b63b;"><strong>1980</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>1994</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>1998</strong></span><br /> <span style="font-size: 24px; color: #ffffff;"> <strong>68,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>109,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>141,000</strong></span></p> <p><span style="font-size: 32px; color: #e4b63b;"><strong>1985</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>1995</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>1999</strong></span><br /> <span style="font-size: 24px; color: #ffffff;"> <strong>74,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>116,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>149,000</strong></span></p> <p><span style="font-size: 32px; color: #e4b63b;"><strong>1992</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>1996</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2000</strong></span><br /> <span style="font-size: 24px; color: #ffffff;"> <strong>99,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>125,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>159,000</strong></span></p> </div></div> </div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card " id="42ae37ce-2353-480c-8e3b-0ff8441f6c8f"> <div class="c-card__content"> <div class="c-card__content-description c-rte"><div style="padding: 30px; width: 370px; margin-bottom: 0px; background-color: #34454e;"> <p><span style="font-size: 32px; color: #e4b63b;"><strong>2001</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2005</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2009</strong></span><br /> <span style="font-size: 24px; color: #ffffff;"> <strong>170,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>215,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>264,000</strong></span></p> <p><span style="font-size: 32px; color: #e4b63b;"><strong>2002</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2006</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2010</strong></span><br /> <span style="font-size: 24px; color: #ffffff;"><strong>180,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>226,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>277,000</strong></span></p> <p><span style="font-size: 32px; color: #e4b63b;"><strong>2003</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2007</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2011</strong></span><br /> <span style="font-size: 24px; color: #ffffff;"><strong>187,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>239,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>289,000</strong></span></p> <p><span style="font-size: 32px; color: #e4b63b;"><strong>2004</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2008</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2012</strong></span><br /> <span style="font-size: 24px; color: #ffffff;"><strong>199,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>253,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>288,000</strong></span></p> </div></div> </div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card " id="d54b5fdb-b679-4ec7-8bba-1499196f61c9"> <div class="c-card__content"> <div class="c-card__content-description c-rte"><div style="padding: 30px; width: 370px; margin-bottom: 0px; background-color: #34454e;"> <p><span style="font-size: 32px; color: #e4b63b;"><strong>2013</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2017</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2021</strong></span><br /> <span style="font-size: 24px; color: #ffffff;"> <strong>303,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>396,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>476,000</strong></span></p> <p><span style="font-size: 32px; color: #e4b63b;"><strong>2014</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2018</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2022</strong></span><br /> <span style="font-size: 24px; color: #ffffff;"><strong>316,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>400,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>500,000</strong></span></p> <p><span style="font-size: 32px; color: #e4b63b;"><strong>2015</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2019</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2023</strong></span><br /> <span style="font-size: 24px; color: #ffffff;"><strong>323,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>440,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>528,000</strong></span></p> <p><span style="font-size: 32px; color: #e4b63b;"><strong>2016</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2020</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #e4b63b;"><strong>2024</strong></span><br /> <span style="font-size: 24px; color: #ffffff;"><strong>373,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>460,000</strong></span><span style="white-space: pre;"> </span><span style="font-size: 24px; color: #ffffff;"><strong>554,000</strong></span></p> </div></div> </div> </article> </li> </ul> </div> </div> <div class="o-grid-container"> <div class="o-columns o-columns--one-alt-2 u-spacing--bottom "> <div class="o-cell o-stacked"> <div class="c-rte "> <p><a href="#top">Back to top</a></p> </div> </div> </div> </div> <div class="c-card-container t-card-container--nine"> <div class="c-card-container__inner"> <h2 class="c-card-container__title t-color__foreground">Photos through the years</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="4a9b67eb-f05d-4d55-8613-ced82a20ba82"> <div class="c-card__image" style="background-image: url('/-/media/project/ussmainsite/images/50th-anniversary/original_370.jpg?rev=06320037919e47aa9307ee04477a60e8')" role="presentation"></div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card " id="592bca09-fa18-447e-85ad-fab038495350"> <div class="c-card__image" style="background-image: url('/-/media/project/ussmainsite/images/50th-anniversary/21_370.png?rev=eff44a1fcf38483ca2701fd46e0be2a8')" role="presentation"></div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card " id="d123b925-58e0-4e37-bece-29284376e4d2"> <div class="c-card__image" style="background-image: url('/-/media/project/ussmainsite/images/50th-anniversary/boardroomold_370.jpg?rev=84253f533fcb41f0acecb5e5720aa8d0')" role="presentation"></div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card " id="b6530619-aa07-40f7-8fee-4ec2a072c459"> <div class="c-card__image" style="background-image: url('/-/media/project/ussmainsite/images/50th-anniversary/ussim117_370.jpg?rev=6a7304fc896e406b93429302dd286c58')" role="presentation"></div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card " id="5e37c901-c752-4480-8cd6-271add1afc37"> <div class="c-card__image" style="background-image: url('/-/media/project/ussmainsite/images/50th-anniversary/lyndarcyalexmh_370.jpg?rev=0135bb312be74d218bd269ecedf9be5c')" role="presentation"></div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card " id="4f03faab-ef05-4309-9ab3-d5253d568d9d"> <div class="c-card__image" style="background-image: url('/-/media/project/ussmainsite/images/50th-anniversary/full-office-photo_370.jpg?rev=cdb409c690b4498aa763082bc5f010ef')" role="presentation"></div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card " id="24845e4e-cf8d-4444-b6f4-772537e2ab96"> <div class="c-card__image" style="background-image: url('/-/media/project/ussmainsite/images/50th-anniversary/ussim41_370.jpg?rev=288c34e7b118454aa0b1ddbf309d3145')" role="presentation"></div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card " id="70d9c9ff-ec1c-4379-bc0a-fae657c9cc62"> <div class="c-card__image" style="background-image: url('/-/media/project/ussmainsite/images/50th-anniversary/royal-liver-building.jpg?rev=3b6d02aebd3e405eab4cdb7ec4e8c475')" role="presentation"></div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card " id="0edf11c7-0a5a-49b3-ada3-dd8d8c457e18"> <div class="c-card__image" style="background-image: url('/-/media/project/ussmainsite/images/50th-anniversary/pensionsupervisors_370.jpg?rev=1fe4280a94834866bc056afd2c326946')" role="presentation"></div> </article> </li> </ul> </div> </div> <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 "> <p><a href="#top">Back to top</a></p> </div> </div> </div> </div> <div class="c-card-container t-card-container--two"> <div class="c-card-container__inner"> <h2 class="c-card-container__title t-color__foreground">Our asset values through the years</h2> <p class="c-card-container__description t-color__foreground">Figures are rounded</p> <ul class="c-card-container__list c-card-container__list--three-col"> <li class="c-card-container__list-item"> <article class="c-card " id="32251961-b151-4f4f-adf5-bd5a9975a60e"> <div class="c-card__content"> <div class="c-card__content-description c-rte"><p id="Assets"><span style="font-size: 32px; color: #ac8f3e;"><strong>1976</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>1993</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>1997</strong></span><br /> <strong><span style="font-size: 24px;">£10</span><span style="font-size: 18px;">m</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£7.8</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£13.5</span><span style="font-size: 18px;">bn</span></strong></p> <p><span style="font-size: 32px; color: #ac8f3e;"><strong>1984</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>1994</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>1998</strong></span><br /> <strong><span style="font-size: 24px;">£1.9</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£9.4</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£17.2</span><span style="font-size: 18px;">bn</span></strong></p> <p><span style="font-size: 32px; color: #ac8f3e;"><strong>1985</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>1995</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>1999</strong></span><br /> <strong><span style="font-size: 24px;">£2.2</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£9.7</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£18.6</span><span style="font-size: 18px;">bn</span></strong></p> <p><span style="font-size: 32px; color: #ac8f3e;"><strong>1992</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>1996</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2000</strong></span><br /> <strong><span style="font-size: 24px;">£6.2</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£12</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£21.8</span><span style="font-size: 18px;">bn</span></strong></p></div> </div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card " id="9aaa0dea-71bd-473d-b269-50e0ae0d7b70"> <div class="c-card__content"> <div class="c-card__content-description c-rte"><p><span style="font-size: 32px; color: #ac8f3e;"><strong>2001</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2005</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2009</strong></span><br /> <strong><span style="font-size: 24px;">£19.9</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£21.7</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£21.4</span><span style="font-size: 18px;">bn</span></strong></p> <p><span style="font-size: 32px; color: #ac8f3e;"><strong>2002</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2006</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2010</strong></span><br /> <strong><span style="font-size: 24px;">£19.8</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£28.3</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£29.8</span><span style="font-size: 18px;">bn</span></strong></p> <p><span style="font-size: 32px; color: #ac8f3e;"><strong>2003</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2007</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2011</strong></span><br /> <strong><span style="font-size: 24px;">£15.4</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£30.1</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£32.4</span><span style="font-size: 18px;">bn</span></strong></p> <p><span style="font-size: 32px; color: #ac8f3e;"><strong>2004</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2008</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2012</strong></span><br /> <strong><span style="font-size: 24px;">£19.3</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£29</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£34.2</span><span style="font-size: 18px;">bn</span></strong></p></div> </div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card " id="9d9b017a-7ee1-488e-a16b-b6b56476aeff"> <div class="c-card__content"> <div class="c-card__content-description c-rte"><p><span style="font-size: 32px; color: #ac8f3e;"><strong>2013</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2017</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2021</strong></span><br /> <strong><span style="font-size: 24px;">£38.6</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£60</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£80.6</span><span style="font-size: 18px;">bn</span></strong></p> <p><span style="font-size: 32px; color: #ac8f3e;"><strong>2014</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2018</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2022</strong></span><br /> <strong><span style="font-size: 24px;">£41.6</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£63.6</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£88.9</span><span style="font-size: 18px;">bn</span></strong></p> <p><span style="font-size: 32px; color: #ac8f3e;"><strong>2015</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2019</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2023</strong></span><br /> <strong><span style="font-size: 24px;">£49</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£67.4</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£73.1</span><span style="font-size: 18px;">bn</span></strong></p> <p><span style="font-size: 32px; color: #ac8f3e;"><strong>2016</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2020</strong></span><span style="white-space: pre;"> </span><span style="font-size: 32px; color: #ac8f3e;"><strong>2024</strong></span><br /> <strong><span style="font-size: 24px;">£49.8</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£66.5</span><span style="font-size: 18px;">bn</span></strong><span style="white-space: pre;"> </span><strong><span style="font-size: 24px;">£74.8</span><span style="font-size: 18px;">bn</span></strong></p></div> </div> </article> </li> </ul> </div> </div> <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 "> <p><a href="#top">Back to top</a></p> </div> </div> </div> </div> <div class="o-grid-container"> <div class="o-columns o-columns--one u-spacing--bottom "> <div class="o-cell o-stacked"> <div class="c-rte "> <p id="Article"><span style="font-size: 32px;">In honour of the scheme’s 50th anniversary, we caught up with Dave Caldwell – <span class="uss-blue-highlight">one of USS’s longest serving members of staff</span>.</span></p> </div> <div class="c-accordion js-accordion js-faq" data-count=""> <div class="c-accordion__header"> <h2>We asked Dave the following...</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-57ef0422-af41-494a-8cb9-83f75351b2ca" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="99fa87c5-963d-4669-905b-80b7334a73ef"> When did you join USS, what was the role, and how has your career progressed since then? <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-57ef0422-af41-494a-8cb9-83f75351b2ca" hidden> <div class="c-rte "> <p>I joined USS at the age of 16 on 2 October 1978 as a Pensions Administrator. In 1989, I became a Team Manager within the Pensions department. I flex-retired on 30 April 2019 and am now a Pensions Operations Support Technician. Given that I’ve been here my entire career I’ve been exposed to all aspects of a member’s journey, processing joiners through to bereavements and every other role in between – additional voluntary contributions, transfers in and out, leavers and retirements, to name some.</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-4576999b-3314-4305-98fe-8bf1a6327a93" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="7708bfbe-84ff-44ba-89bd-5103ae8f3929"> What are your thoughts about USS as a place to work? How have the people, practices, culture changed over time? What has remained the same? <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-4576999b-3314-4305-98fe-8bf1a6327a93" hidden> <div class="c-rte "> <p>I must admit, starting straight from school, I found my first day quite daunting. But, as now and has been throughout my time here, everyone has always been supportive. I think this is part of the company's DNA. </p> <p>Practices have changed over time, of course. When I started, benefits were based on years and months, so you used your figures to calculate the months. We then changed to days on 1 April 1985, and we were given a day counter. Processing benefits calculations, you had a calculator and many proforma templates upon which you manually calculated a member’s benefits. Once the calculation was checked, it went to a typing pool for the benefit statement to be generated. Every document was in paper format and member records were originally held on shelves until we moved to Lektrievers, which were giant cabinets with rotating platforms – imagine a very big rotisserie! Jump forward to the present day, and you have a laptop, applications, and document imaging. </p> <p>Throughout my time at USS, it has always been clear that everyone wants to do the best possible job they can and provide a high-quality service to our members and participating employers.</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-cc3a404e-90c2-4fb9-ae20-058e2e6ce181" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="98893e10-5a49-4a38-862f-643b40268f93"> What is the highlight of your USS career? <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-cc3a404e-90c2-4fb9-ae20-058e2e6ce181" hidden> <div class="c-rte "> <p>It might be stating the obvious, but every promotion was a personal highlight. I’ve also spent time away from the Pensions department on secondment, firstly to pensions support when our pensions operating platform moved from Claybrook to Civica (Penshare). I was responsible for learning the new platform and training colleagues on its application. I also assisted with creating the process maps and ‘walked the floor’ supporting colleagues post-implementation. </p> <p>My second stint away was to IT, where I had responsibility for ensuring Penshare was <em>Year 2000 compliant</em> - commonly known as the millennium bug: that it functioned correctly, and the outputs, calculation and benefit statement generated were correct. </p> <p>I was seconded to IT again when we moved from Penshare to Capita’s Hartlink platform. I was responsible for ensuring the data mapping to the new platform met requirements. I also assisted with creating testing packs to ensure the data mapped correctly. </p> <p>Finally, I led a team of colleagues in testing the department’s annual Disaster Recovery provisions at our “warm” site in Birmingham. This involved ensuring that if we were unable to get to the office for whatever reason, we could set up at the “warm” site and continue to provide a service to our members and participating employers.</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-7d982515-a317-4776-a93c-adc82c899f51" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="b7651275-d828-4fef-b9d5-ab08f3eea5f4"> Do any memorable moments stand out? <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-7d982515-a317-4776-a93c-adc82c899f51" hidden> <div class="c-rte "> <p>When I reached the age of 21, it was still compulsory to join a pension scheme and it was a bit of a shock when I got my next payslip to see a pension contribution deduction and net pay. But fast forward to now, and I’m grateful it was compulsory.</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-5cfa122a-1896-404d-a4da-cca5ee1de789" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="9512f47f-4402-4c58-8ae3-28c70e1034cf"> What advice would you give to someone just starting at USS? <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-5cfa122a-1896-404d-a4da-cca5ee1de789" hidden> <div class="c-rte "> <p>Immerse yourself in its culture and explore every opportunity afforded to you. Don’t be afraid to make a mistake - we all do, but we have procedures in place to deal with them, we learn from them, and we move on.</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-f0d17ecb-89e7-4312-86da-4d2932452913" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="78162f00-76aa-47d9-8bfe-9f2266ed268d"> What do you see in the future, as regards to your career at USS? <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-f0d17ecb-89e7-4312-86da-4d2932452913" hidden> <div class="c-rte "> <p>Well, I’m working towards retirement – but that does not mean I’ve taken my foot off the gas. The upskilling of staff in relation to ill health retirements, which is my current primary role, is key, as is supporting members and contacts at our participating employers. I also support the Pensions Operations department teams when I can.</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-4b103e54-0a23-469c-b4c5-b71230da70be" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="0c046881-aed7-45ba-b6ff-bd04d9568a19"> Given you work for one of the UK's biggest pension schemes, have you given any thought to what you might do when you retire? <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-4b103e54-0a23-469c-b4c5-b71230da70be" hidden> <div class="c-rte "> <p>Our daughter lives in Melbourne, Australia, and we plan to send as much time as we can there. But, so long as we have good health, we’ll be happy.</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-57961c55-a18e-415a-9da1-ce693c9772c0" aria-expanded="false" data-index="0" disabled title="This button will become functional once JavaScript is downloaded and executed" data-search="4fbbd381-8bf2-4449-9e41-f4f8c1b56fa1"> Are there any final thoughts you’d like to share? <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-57961c55-a18e-415a-9da1-ce693c9772c0" hidden> <div class="c-rte "> <p>Almost 50 years on since I first joined USS, the world – and technology, in particular – has changed so much and I am sure there will be more changes ahead. But I’m confident that my monthly pension will be paid correctly and on time. That confidence comes from knowing how dedicated everyone working at USS is to achieving the scheme’s purpose: building a secure financial future for the scheme’s members and their families.</p> </div> </div> </article> </div> </div> <div class="c-rte "> <p><a href="#top">Back to top</a></p> </div> </div> </div> </div> </main> <footer id="site-footer" class="c-footer" role="contentinfo"> <div class="c-footer__inner"> <div class="c-footer__column"> <h2 id="foot-col1-title" class="c-footer__column-title">For financial advisers</h2> <p class="c-footer__column-description">Get useful resources and find out the sorts of things we can provide you with</p> <nav class="c-footer__nav" aria-labelledby="foot-col1-title"> <ul class="c-footer__nav-list"> <li class="c-footer__nav-item c-footer__nav-item--bullet"> <a href="/financial-advisers" >Useful information</a> </li> <li class="c-footer__nav-item c-footer__nav-item--bullet"> <a href="/financial-advisers/useful-forms" >Useful forms</a> </li> <li 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