Dr. Fred Muhumuza, an economist, told this publication that there is a great need for capacity building among the NSSF beneficiaries on how to multiply their meagre benefits. "That the majority of the NSSF beneficiaries receive less than UGX10 million means that the benefits are not sufficient for retirement therefore retirees need to be educated on how to multiply the meagre benefits in order to survive," he said.