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Daman Investments has a fair claim to the title of “first mover” in this market. Alongside Lunate (which we will profile later), Daman Investments was one of the first two providers to win CMA approval to manage EOSB savings funds, back in July 2024 — and it's been building the fund infrastructure ever since. So, who is Daman Investments, and what do they offer?

Whilst the alternative End of Service Benefit (EOSB) saving scheme is fairly new in the UAE mainland, a similar scheme exists already in the UAE - and it has been running already for more than five years: The DIFC Employee Workplace Saving scheme, or DEWS in short. We have covered DEWS already in an earlier article. Today, as the DEWS annual report for 2025 has been recently released, we drill down what lessons can be learnt for UAE companies that are looking to adopt the new

The UAE’s EOSB transition should not be treated as a narrow HR decision. It is a strategic opportunity to improve cost visibility, build employee trust and rethink long-term benefits. The winners will be the employers who model the financial impact carefully, communicate the change honestly, invest in their employees' financial literacy, and use the reform as a platform to modernise their wider reward strategy.

Franklin Templeton obtained CMA license to manage funds. This enables them to offer retirement solutions, including End of Service schemes.

New EOSB Saving schemes: The End of Salary loans?

Eighteen months into the UAE’s Alternative End-of-Service Benefits (EOSB) Savings Scheme, the market has clearly moved from “interesting policy idea” to “operational reality”. Employers can now sign up, employees can be enrolled, and contributions can actually flow into licensed investment funds. But how mature is the supply side really? Let’s take stock! The supply side: from concept to crowded pipeline When the scheme was first announced, sceptics wondered whether enough cr

Sukoon Secures Fund Administration License to Offer EOSB Saving Schemes

The UAE’s voluntary Alternative End-of-Service Benefits (EOSB) Savings Scheme, established under Cabinet Resolution No. 96 of 2023, has redefined how gratuity is funded and administered in the private sector. Rather than accruing as an unfunded liability on the employer’s balance sheet, monthly contributions are now channelled into regulated investment funds held on behalf of employees. And it’s the employees themselves who choose which fund their investments are paid into. H

The DIFC introduced a workplace savings programme already over five years ago, replacing the old EOSB gratuity with a new savings-based system. With five years of experience under the belt, what can we learn from the DIFC's experience?

New UAE EOSB scheme: The 5 Key Differences explained

How to Present the UAE’s EOSB Reform to Your CEO and the Board

Dubai, UAE: Daman Investments (PSC), a leading asset manager in the UAE, has signed an MoU with Allianz Global Investors (“AllianzGI”), one of the world’s leading active asset managers, to collaborate on offering risk-based investment options as part of the MOHRE-approved Daman Investments End-of-Service Program. This initiative will expand the existing program, which currently provides a capital-protected savings solution for end-of-service benefits, by introducing addition

A Change Management Guide for HR for introducing the new EOSB saving scheme

The UAE’s alternative end-of-service benefit (EOSB) savings regime is creating new opportunities for employers — but also new decision points . For HR leaders, CFOs and business owners a number of important questions arise: Should they switch to the new system now? Or later? Should they enrol all, or only some employees? Should they re-design their whole approach to employee benefits? And: which Fund Manager to choose for the new EOSB scheme? Many Business Leaders will c

GratuityAdviser offers a comprehensive overview of licensed EOSB Fund Managers and all available EOSB funds.

In our earlier article, Salary Reduction: The hidden cost that will ruin your retirement , we highlighted the main danger of permanent salary cuts under the traditional UAE End of Service Benefit system: Because gratuity is generally calculated by reference to the employee’s last basic salary, a reduction in that salary can significantly reduce the final gratuity entitlement . Since then, some of our readers have drawn our attention to a few additional angles that deserve me

“ Which system is better for me, the old traditional one or the new alternative EOSB Gratuity scheme? ” This is probably THE question HR managers will be asked the most. As companies are considering whether to switch to the new End of Service Benefit (EOSB) system, employees naturally are asking: Which system is better for me? This article breaks it down for you. The GratuityAdviser Comparison Calculator You may be familiar with GratuityAdviser’s EOSB Savings Calculato

Official End of Service (EOSB) saving schemes vs unofficial workplace saving schemes in the UAE: which is better?

GratuityAdviser are pleased to share two handy One-pagers for FREE with our dear readership. The one-pagers are a concise summary that gives both employers and employees a high-level overview on the UAE's new official alternative End of Service Benefit (EOSB) gratuity scheme that has been introduced through Cabinet Resolution 96/2023. (In case you're new to the topic, please read this introductory article ). The guides come in two versions - one aimed at HR managers & Busi

GratuityAdviser is pleased to unveil a brand-new tool: The EOSB Savings Calculator . Under the traditional End of Service Benefit (EOSB) system, calculating the EOSB gratuity is straight-forward as it follows a clear formula which is stipulated in the UAE Labour Law. However, under the new alternative EOSB saving scheme , calculating the gratuity is more complicated as the new system is investment-based . The gratuity cannot be calculated according to a simple formula any lo