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It's not a collective DC IIRC, and I wouldn't trust the USS leadership to manage their way out of a paper bag, so I would go SIPP.
wence-
Is a collective DC a thing? My understanding is that it is basically a sipp, but with limited fund options and no fees. But I can only assume/suspect that the ‘no fees’ is actually just the fees being hidden in another way.
Hard to compare a closed USS fund with the usual low cost trackers using Morningstar etc.
Salary sacrifice is obviously a benefit compared to post tax contributions and a self assessment. But from what I can work out the NI saving is minimal and I’m already a Ltd Company doing my own tax returns so one more for my wife is not a deal breaker.
cjr
Anyone here in the USS pension scheme? Trying to weigh up whether my wife should pay more into the DC part or into a SIPP. No additional contributions from the employer.