Maximise coverage
& contributions
Bring more Ugandans from every sector of the economy into the Fund, ensuring that saving becomes a national norm
Our Strategy
Strategy @ a glance
Reflecting on our journey and looking ahead
As we close the chapter on our 2025 strategy, we do so with pride in what we have achieved and with renewed energy for the journey ahead. This milestone year is especially significant as we mark 40 Years of Building Uganda’s Future: Powering Growth, Empowering Generations.
Over the past four decades, the Fund has transformed from a modest savings scheme into East Africa’s largest and most trusted social security institution, a catalyst for economic growth, a partner in national development, and a lifelong supporter of our members’ financial security. Guided by this legacy, our strategy continues to leverage member contributions to power economic advancement, while expanding inclusion, innovation, and financial literacy to empower both today’s and tomorrow’s generations of Ugandan workers.
Our strategy is centred around four core objectives, each one reflecting what matters most to our members, our people, and the long-term sustainability of the Fund:
Member satisfaction
We aimed for a 95% customer satisfaction rate, ensuring every member feels heard, valued, and supported
Financial strength
Our target was to grow the Fund’s assets to UGX 20 trillion. Despite global supply chain pressures testing our resilience, we maintained strict cost discipline, targeting an operating expense ratio of only 1% of assets under management
Operational efficiency
We committed to delivering a seamless benefit claims experience, targeting payment processing within a single day
Employee well-being
Recognising that our people are central to our success, we set an ambitious target of achieving 95% staff satisfaction
We are proud of the progress made across all these areas. While we celebrate these milestones, this year’s theme reminds us that our journey is far from over. We now look ahead to the next decade under Vision 2035, anchored on a simple but powerful belief: every Ugandan should have both the willingness and the capacity to save.
These two pillars will guide our work over the next ten years:
Creating the willingness to save
Deepening trust, promoting financial literacy, and raising awareness so that saving becomes not just a habit, but a priority for more Ugandans.
Creating the capacity to save
Widening access, innovating products, and supporting diverse income earners, empowering people with practical tools to secure their financial futures and strengthening the nation for generations to come.
These pillars are not just objectives, they will drive our delivery of greater value to our members and to the nation.
Looking ahead to 2035, our ambition is bold yet achievable. We aim to:
Maximise coverage
Maximise
earnings
Grow members' savings and safeguard their future through smart, diversified, and high-impact investments
Maximise
member value
Enhance service quality, strengthen trust, and deliver benefits that ensure every interaction adds value
By the end of this journey, we aspire to achieve transformational results:
Reach 50% coverage of Uganda’s working population: Enabling at least 15 million Ugandans to actively save with the Fund
Grow our Assets Under Management to UGX 50 trillion and beyond: Powered by sound investment strategies and sustained contribution growth
Sustain a 95% customer satisfaction rate: By continuously improving service and deepening member relationships
Maintain a 95% staff engagement rate: By creating a workplace culture that values purpose, performance, and people