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A retirement hack most UAE employees don’t know about – and HRs shouldn’t ignore
With the introduction of UAE’s End-of-Service Benefits (EOSB) Savings Scheme under Cabinet Resolution 96 of 2023, employees across the UAE now have access to a powerful financial tool: Additional Voluntary Contributions (or AVCs, in short). But what exactly are AVCs? How do they work? And why should HR support employees to take full advantage? Let’s […]
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DEWS: How do plan members invest their savings?
DEWS (Dubai Employee Workplace Savings), the first official End-of-Service Benefits (EOSB) Savings Scheme in the Dubai International Financial Center (DIFC), has now been operational for over five years. During this time, employers in the DIFC have been making regular contributions on behalf of their employees into investment funds, chosen by employees. Last week, we at […]
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Employees want retirement planning support, say 55% of employers at Jalsa by HAYAH Insurance
On 17 April, HAYAH Insurance (HAYAH) brought together over 50 companies for another “Jalsa by HAYAH” — its signature gathering — that wasn’t just about End-of-Service Benefits (EOSB). This time, the focus was on the UAE’s growing retirement savings gap and the role employers can play in reducing it, with a smart solution like Your […]
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DMCC session reveals 29% of companies are considering moving to workplace savings
Stephenson Harwood and Pensions Monitor, in partnership with DMCC (Dubai Multi Commodities Centre), recently hosted an informative session for its members to build awareness around the UAE’s new End-of-Service Benefits (EOSB) Savings Scheme. Held on April 10 at the DMCC Uptown Dubai Business Centre, the session provided valuable practical guidance for employers on transitioning from […]
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Pensions Monitor rolls out monthly dashboards: EOSB Fund Performance | DEWS | 31 March 2025
Pensions Monitor rolls out monthly dashboards As of today, the UAE’s official End-of-Service Benefits (EOSB) Savings Scheme includes 11 approved funds and within the Dubai International Financial Center (DIFC), DEWS offers 11 investment options, and GO SAVER adds another 16. With a growing list of options—and more providers expected—we thought it was time for a […]
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Lunate partners with world-class service providers for its EOSB Savings Scheme, Ghaf Benefits
Lunate, one of the four providers of the mainland End-of-Service Benefits (EOSB) Savings Scheme, recently announced new service partnerships for its EOSB Platform, Ghaf Benefits. The announcement follows the launch of six new funds by Ghaf Benefits, just a month ago. One of the new partnerships is with BNY (Bank of New York Mellon), the […]
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The end of Easy Personal Loans? Could UAE’s new EOSB Savings Scheme make personal loans harder to get?
We at Pensions Monitor are thrifty spenders – we avoid getting into debt, and if we do, it’s only for capital purchases such as a house. Humour aside, looking around the UAE, it’s clear to see that consumption is a key driving factor – for the economy as a whole, and for individuals too. Live […]
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End-of-Service Benefits: Is it enough for retirement?
There’s been a lot of talk about End-of-Service Benefits (EOSB) in the United Arab Emirates (UAE) over the past year. For expatriates in the UAE—who make up about 90% of the workforce—EOSB is one of the most important employee benefits. This lump sum payment is provided at the end of each employment, whether through resignation […]
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SCA: Market sentiment buoyant; EOSB Fund Managers must disclose all relevant information
Assessing the outlook for the UAE’s End-of-Service Benefits In an exclusive interview with Pensions Monitor last week, it is clear that market sentiment is buoyant and the Securities and Commodities Authority (SCA) is positive that the End-of-Service Benefits (EOSB) market segment will see a further increase in activity in 2025. EOSB local fund managers continue […]
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Voluntary Employee Savings Schemes in UAE: Are they worth considering in 2025?
Apart from the two DIFC workplace savings plans (DEWS, GO SAVER) and the newly introduced End-of-Service Benefits (EOSB) Savings Scheme under Cabinet Resolution 96/2023 – let’s call these the “official schemes” – there are a number of other savings schemes on the market that are “voluntary”. Today, we shine a light on these other “voluntary” […]