Group Savings & Investment Proposal
Current Plan Overview
5
Colleagues
200K
Monthly Each
1M
Total Pool
Traditional "table banking" where we rotate the full monthly collection over 5 months.
The Challenge
While this system provides immediate lump sums, we're missing opportunities to build collective wealth and strengthen our professional relationships.
Proposed Enhancement
A smarter approach that balances individual benefits with group wealth creation
Person receives (80%)
800,000 UGX
Group investment fund (20%)
200,000 UGX
Team building budget
200K - 250K UGX
Why 80/20? Each person still gets 800K (enough for most personal needs), while we systematically build a group asset that benefits everyone long-term.
Comprehensive Scenario Comparison
The power of compound growth vs. keeping everything as cash
| Investment Option |
6 Months |
1 Year |
2 Years |
| No poolback |
0 UGX |
0 UGX |
0 UGX |
| Cash savings |
1,200,000 UGX |
2,400,000 UGX |
4,800,000 UGX |
| NSSF Smart Savings (8%) |
1,248,000 UGX |
2,592,000 UGX |
5,568,000 UGX |
| Unit Trust (12%) |
1,272,000 UGX |
2,688,000 UGX |
6,048,000 UGX |
NSSF advantage over cash:
768,000 UGX extra after 2 years
Unit Trust advantage over cash:
1,248,000 UGX extra after 2 years
Investment Options & Benefits
Investment Options Analysis
Comparing our options from conservative to growth-oriented
- Government guarantee means your money is safe
- 8% beats inflation while we learn about investing together
- Tax benefits included
- Moderate liquidity
- Decades of experience managing money professionally
- Built-in diversification across multiple investments
- Professional management we can't achieve individually
- Higher growth potential
Additional Benefits
Beyond the numbers - building lasting professional value
Team Building & Networking
- Regular meetings after each complete round
- Budget allocation: 200K-250K per meeting
- Activities: Idea sharing, business connections
- Long-term value: Strengthened professional network
Hidden Value: Professional connections and opportunities often create value far beyond our initial investment.
Recommendation
Start with NSSF Smart Savings for the first year to build confidence
Then consider Unit Trust options for higher growth potential in subsequent years
The conservative path to building confidence and collective wealth