Informal Sector Pension Scheme · Uganda · Regulated by URBRA

Your money. Your future. Answered.

A conversational advisor for every ISPS member. Ask about your contributions, sub-funds, withdrawals, benefits, and retirement planning — in plain English or Luganda, any time of day. Built for boda riders, market vendors, farmers, and every informal worker in Uganda.

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A financial advisor in your pocket

From checking your balance to planning your retirement — ISPS Smart Advisor turns complex pension rules into clear answers anyone can understand.

How it works

From question to trusted answer, in seconds

The Advisor uses retrieval-augmented AI over the ISPS Trust Deed and URBRA rules. No made-up figures. Every answer cites the rule it's based on.

1

Ask in your own words

Type or speak in English or Luganda — as simply as you would ask a friend. No forms, no jargon.

2

Grounded in the rules

The Advisor searches the ISPS Trust Deed, URBRA regulations, and your own account record — never invented figures.

3

Clear, cited answer

You get a plain-language answer with the rule or section it's based on, and clear next steps if action is needed.

See it in action

A conversation with ISPS Smart Advisor

ai.ispsug.org
JM
My child needs school fees of UGX 800,000. Can I use my ISPS savings?
A
Yes — ISPS has an Education Sub-Fund designed exactly for this.

Here is how it works for you:
1. You must have been contributing for at least 24 months.
2. You can access up to 30% of your Education Sub-Fund balance for approved school fees.
3.You'll need a school invoice in the child's name and a copy of the child's birth certificate.

Want me to walk you through the claim step by step?
ISPS Trust Deed — Schedule 3URBRA Scheme Rules 2014Education Sub-Fund Policy
Trusted knowledge

Grounded in ISPS and URBRA's own documents

Every answer is built from the Trust Deed, URBRA regulations, approved scheme rules, and your own account data — never generic internet content.

ISPS Trust Deed & Scheme Rules
URBRA Regulations & Guidelines
Retirement Benefits Sector Act, 2011
Ministry of Gender, Labour & Social Dev.
Bank of Uganda & Custodian Reports
ISPS Annual Scheme Reports

Social protection should feel simple — so we made it conversational.

Ask the Advisor the questions you'd ask a trusted friend who happens to know pensions inside out. Plain language. Clear rules. Your money, your future — on your terms.

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