What separates people who achieve their long-term financial goals with those who don't? Discipline. Cultivating habits like saving consistently can increase someone's ability to generate investment capital that will help in achieving one's financial goals.

Once you have grasped the ability to save consistently, knowing where to allocate these savings so that they can grow is the next best thing. First, you must avoid investing your savings in one basket. Having a professional fund manager to advise you on allocating your savings for long- and short-term goals can help you avoid making common mistakes in your investment strategy.

Fund managers have access and the expertise to research and conduct analysis on market data. With a deep understanding of clients' goals they develop funds that balance income and risk management; implementing investment strategies across varied asset classes including stocks, bonds and securities. Additionally, they are regulated by the Capital Market Authority of Uganda.

The benefits of saving and investing with a fund manager is that your investments are carefully planned for and always being monitored to ensure growth. With a level of personal discipline applied, they provide a way to grow your savings and curb impulsive expenses that prevent you from achieving your financial goals.

As an investment representative, I encourage everyone to save with fund managers for long-term financial progress.