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Was moving your pension from the Universities Superannuation Scheme a mistake?

Up until about 1992, many university lecturers, academics and other members of staff were offered membership of the Universities Superannuation Scheme – a valuable retirement fund system that promises a lot.

Although the scheme has now been replaced for new members of staff, older staff or people who have left and deferred their benefits are part of the UK’s second largest private pension scheme, with a massive £50 billion under management!

Members are set to enjoy:

  • The security of a regular income for the rest of their lives in retirement
  • Ability to take tax-free cash upon retirement
  • A single payment equivalent to 3x their annual salary to their family should they die before retiring
  • Tax relief on contributions

In an age of financial insecurity, pensions like the Universities Superannuation scheme represent security, so why do some people move away?

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Why do people move away from the universities superannuation scheme?

Situations where it is suitable to transfer a pension like this are rare, and it is usually upto an authorised and qualified financial adviser to assess every situation on a case-by-case basis to see if it would be the right thing to recommend.

Yet every year, tens of thousands of people receive advice to move away from pensions like the Universities Superannuation Scheme, or other valuable pensions because of negligent financial advice.

Advisers can earn thousands in fees and commission if they advise somebody to transfer, and in some cases this has been shown to cloud an adviser’s judgement, leading people to unsuitable transfers that could lose them thousands in the long run.

Transferring away usually exposes the pension to much more risk, and it is not unheard of for people to lose their entire pension by transferring.

Moving your pension could have been a mistake…

Your pension may have been mis-sold. Fill out your contact info below and we’ll be in touch at the best time for you

NO OBLIGATION & COMPLETELY FREE!

Can you make a claim?

Because of the benefits of the Universities Superannuation scheme, a pension transfer is rarely considered suitable, and if you transferred, you may have been mis-sold.

You can talk to a case assessor from Spencer Churchill Claims Advice to help find out! We offer a FREE initial assessment to anybody with concerns – it could be that you can make a claim with no upfront cost!

Please note: No Win – No Fee*: Successful claims made through Spencer Churchill Claims Advice are subject to the Success Fee, charged as per your terms of business and engagement letter of any monies awarded to the claim. Clients have a 14 day “Cooling-Off” period during which time they may cancel at any time without charge. After this time, cancellation will result in the application of the Cancellation Fee.

*Figures calculated before deduction of Success Fee and taxes

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What makes a pension transfer mis-sold?

Moving a final salary or other defined benefit pension is rarely advisable, except in certain situations. While moving your pension may earn your adviser big fees and commissions, you may lose more than you hoped:

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