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Are “Capital Guarantee” Funds Always the Best Choice?
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.

Nikolaus Frei
2 days ago5 min read


Provider Spotlight: National Bonds
National Bonds Corporation launched in 2006 with a mandate to build a savings culture in the UAE, and it's wholly owned by the Investment Corporation of Dubai — the Dubai government's sovereign investment arm

Nikolaus Frei
Oct 133 min read


Provider Spotlight: First Abu Dhabi Bank (FAB)
This is the second article in our series profiling the licensed providers of the UAE's alternative End of Service Benefit (EOSB) savings scheme — one Fund Manager at a time, in alphabetical order.

Nikolaus Frei
Sep 153 min read


What is the State of the EOSB Offering — Summer 2026 Update
Eighteen months in, how mature is the UAE EOSB savings market? Our Summer 2026 update on licensed providers, available funds and employer sign-up.

Nikolaus Frei
Jun 64 min read


EOSB Saving Scheme: Which funds are better - Shariah or Conventional ?
Shariah-compliant or conventional? How the two types of UAE EOSB savings funds differ in investments, risk, returns and fit for your employees.

Nikolaus Frei
Jun 16 min read


Daman Investments and Allianz Global Investors sign MoU
Daman Investments and Allianz Global Investors sign an MoU to add risk-based investment options to Daman's MOHRE-approved EOSB savings programme.

Nikolaus Frei
Apr 212 min read


Where can Companies get advice for UAE's new EOSB saving scheme?
Where can UAE companies get advice on the new EOSB savings scheme? Who can advise on switching, enrolment and choosing a fund manager, and when to ask.

Nikolaus Frei
Apr 133 min read


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

Nikolaus Frei
Apr 92 min read


UAE End-of-Service Capital Guarantee Funds: The Fine Print Behind the Promise
How do UAE EOSB capital guarantee funds actually protect your money? The fine print on reserves, investments and what the guarantee does not cover.

Nikolaus Frei
Feb 264 min read
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