For many years, retirement savings have seemed beyond the reach of millions of Ugandans working in the informal sector. But that is beginning to change as the National Social Security Fund (NSSF) expands its SmartLife Flexi grassroots campaign, bringing social security services directly to communities across the country.
The nationwide campaign is helping boda boda riders, farmers, traders, market vendors, artisans, mechanics, salon operators, tailors and other self-employed Ugandans access flexible retirement savings that fit the realities of their daily incomes.
Over the past several months, NSSF teams have travelled to districts including Omoro, Bududa, Sironko, Lira, Ggaba, Mubende, Kyegegwa, Kiryandongo and Kole.
Through community meetings, market outreach events and partnerships with SACCOs, cooperatives, local leaders and grassroots organisations, the Fund has reached thousands of people with information about the scheme.
Unlike traditional pension schemes that require fixed monthly contributions, SmartLife Flexi allows members to save whenever they are able. This gives informal workers, whose incomes often change from day to day, the freedom to build retirement savings without the pressure of making regular fixed payments.
Dennis Marsha Kabuuka, the NSSF Manager for Livelihood, said the campaign reflects the Fund’s commitment to making social security accessible to every Ugandan.
“This initiative is aimed at securing every Ugandan’s future. Through SmartLife Flexi, we are taking social security closer to communities that have traditionally had limited access to retirement savings. Every Ugandan deserves the opportunity to build financial resilience and prepare for life beyond their working years,” Kabuuka said.
Beyond registering new members, the campaign also promotes financial literacy. Community members receive practical training on the importance of saving regularly, managing money wisely and planning for the future.
The programme is also helping to change the long-held belief that retirement planning is only meant for people in formal employment.
By working closely with trusted local leaders, community organisations and savings groups, NSSF has made it easier for people in underserved communities to receive information and register for the scheme in familiar and convenient locations.
Uganda’s informal sector employs the majority of the country’s workforce. NSSF says expanding SmartLife Flexi is an important step towards increasing financial inclusion, encouraging a stronger culture of saving and helping households build greater financial security.
As the campaign reaches more districts, the Fund says it remains committed to ensuring that every Ugandan, regardless of occupation or income level, has the opportunity to save for retirement and build a more secure financial future.
The campaign carries a simple message: the journey to a secure future begins with the decision to start saving today.
