You can take your Investment Builder savings later and independently from retiring. They’ll remain invested until you want to start taking them. You can manage your investments in My USS but can’t contribute any more if you leave USS or you’re fully retired.
Depending on your circumstances, it may be more tax efficient if you take them at the same time. You should speak with a financial advisor if you aren’t sure. Find one at unbiased.co.uk. They may charge you for advice.
Click Next Question for your options when taking your Retirement Income Builder benefits only.
At the end you’ll be able to view your options when taking your Investment Builder savings at a later date.
Visit taking your benefits and savings for more on what you'll get depending on what you'd like to take