Capital guarantee funds are mandatory for unskilled UAE workers under Cabinet Resolution 96/2023, but for skilled employees the best EOSB fund depends on time horizon. We compare the cost of 'safe' with the risk of volatility near retirement.

Lunate is a different kind of entrant to this market. Rather than a bank offering EOSB to its client base in addition to many other financial products, it's a dedicated asset manager that built a purpose-made platform, branded "Ghaf Benefits", specifically for UAE's new EOSB scheme. The pitch is straightforward: a large, well-capitalised investment house lending its fund management muscle to gratuity savings, with more fund choice on offer than most of its peers.

How do UAE EOSB capital guarantee funds actually protect your money? The fine print on reserves, investments and what the guarantee does not cover.