Rather than have the algorithm be part of the Turing machine, the algorithm is included in the input.
This allows a universal turing machine to simulate any other Turing machine, given the algorithm as an input.
The computer program is stored in memory on the tape.
control unit does: + fetch instruction + decode instruction + execute instruction
Regular Turing machines do not need to do this, as there is no program to fetch.
A computer which can simulate any Turing machine can, by the Church-Turing thesis, compute any effective method on the natural numbers. Such a machine is Turing complete.
As the universal Turing machine can simulate any Turing machine, it is Turing complete.