The Superannuation Arrangements
of the University of London

What SAUL members are asking

Below you'll find answers to questions we get asked the most about SAUL. If you'd like to submit a question, please click here.

You can contact us by email, letter, phone or the contact form on the website to request a transfer. Once you’ve told us you want to transfer your benefits out of SAUL, we’ll calculate your transfer value and send you a quote within 10 working days of running the calculation.

If you’d like to go ahead with the transfer, you’ll have three months to send forms back to us (you’ll need to complete the paperwork we send you and ask the administrator of the new scheme to complete some forms too). If you send forms back after more than three months, we’ll recalculate the transfer value, which might be lower or higher than the original quote.

You can find more information in the Transferring your pension section of the website.

SAUL’s Normal Pension Date is currently the last day of the month before your 65th birthday. If you joined SAUL before 6 April 2006, you can retire from age 50 – otherwise the earliest you can retire is age 55.

Your pension will be reduced because we’re paying it early (so we’ll be paying it for longer).

If you: 

  • were in the Final Salary Plan when it closed on 31 March 2016, and
  • retire as soon as you leave your SAUL employer, and
  • are aged at least 60 when you retire

the pension you built up before 1 April 2016 won’t be reduced.

If you left SAUL before 1 July 2012 you can retire from aged 60 without your pension being reduced.

You can find more information in the Getting your pension section of the website.

HM Revenue and Customs (HMRC) tell us how much tax to take from your pension by giving us a tax code to apply to your payments.

We don’t receive your tax code from HMRC until after your first payment, so we have to tax it using the code BR on a Week1/Month 1 basis. This means your monthly pension will be taxed at 20% looking only at the month in question until we receive your correct code from HMRC.

Once HMRC has sent us your tax code, we’ll adjust your tax to the correct level for all remaining payments over the year. If a tax refund is due, this will be paid in your monthly pension payment.

If you have any questions about your tax code, you should contact the tax office. Details can be found in the Get monthly pension payments from SAUL section of the website.

No. SAUL members can’t log in online and view their individual details, but we’re looking at making this available in future.

What would you like to be able to view online in future? We want to hear your views, so please email



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Contact Us

If you have a question about SAUL or need to talk to us about your pension, please get in touch.


SAUL Trustee Company
1 King's Arms Yard