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USS IB
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NTFI19081
Posts: 54 Forumite

Hello - would any USS experts tell me if you think that there are advantages (beyond salary sacrifice) to having all investments in the Inv Builder. I have around half my non-Retirement Income Builder funds in the USS Inv Builder and the other half in a SIPP. I will retire in around 7-10 years, so am wondering if I would be better of consolidating it all in USS and the topping up from there? cheers
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NTFI19081 said:Hello - would any USS experts tell me if you think that there are advantages (beyond salary sacrifice) to having all investments in the Inv Builder. I have around half my non-Retirement Income Builder funds in the USS Inv Builder and the other half in a SIPP. I will retire in around 7-10 years, so am wondering if I would be better of consolidating it all in USS and the topping up from there? cheers2
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Southend_2 said:NTFI19081 said:Hello - would any USS experts tell me if you think that there are advantages (beyond salary sacrifice) to having all investments in the Inv Builder. I have around half my non-Retirement Income Builder funds in the USS Inv Builder and the other half in a SIPP. I will retire in around 7-10 years, so am wondering if I would be better of consolidating it all in USS and the topping up from there? cheers
Could you explain using worked calculation for those values.
Thanks0 -
NTFI19081 said:Hello - would any USS experts tell me if you think that there are advantages (beyond salary sacrifice) to having all investments in the Inv Builder. I have around half my non-Retirement Income Builder funds in the USS Inv Builder and the other half in a SIPP. I will retire in around 7-10 years, so am wondering if I would be better of consolidating it all in USS and the topping up from there? cheersYou don't pay management and admin fees on IB, while you would with your SIPP. So if you are thinking of making further contributions to one or the other, then that is one potential advantage of IB.However, IIRC this doesn't apply to transfers in, so you wouldn't get that advantage from consolidating - just from new contributions.0
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PJM_62 said:Southend_2 said:NTFI19081 said:Hello - would any USS experts tell me if you think that there are advantages (beyond salary sacrifice) to having all investments in the Inv Builder. I have around half my non-Retirement Income Builder funds in the USS Inv Builder and the other half in a SIPP. I will retire in around 7-10 years, so am wondering if I would be better of consolidating it all in USS and the topping up from there? cheers
Could you explain using worked calculation for those values.
Thanks
https://forums.moneysavingexpert.com/discussion/comment/80309534#Comment_80309534
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