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.

Four EOSB horror stories, from a surprise compulsory deadline to an unpopular fund and a flooded HR inbox, and how UAE employers can avoid each one.

Should the EOSB transition be in your 2027 budget? Why UAE HR and finance managers should plan contributions, legacy gratuity and cash flow now.

Can UAE employers still claw back or deduct amounts from EOSB gratuity under the new savings scheme? What the rules allow and where the limits lie.

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.

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?

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

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

Readers add three twists on salary cuts and UAE gratuity: shifting pay into allowances, unpaid leave, and cut timing under the new EOSB scheme.

Download two free one-page summaries of the UAE's new EOSB gratuity scheme: one written for HR managers and leaders, one to share with employees.

A permanent salary cut can shrink UAE end of service gratuity, because it is based on last basic salary. Here is what it costs and how to protect it.

Legacy gratuity is the end of service benefit earned before a switch to the new EOSB scheme. What it is, why it is frozen and what HR must track.

GratuityAdviser launches a free training course on the new UAE EOSB savings scheme, helping HR and finance teams explain it to staff with confidence.

A step-by-step guide for UAE employers switching to the new end of service gratuity savings system, from first planning to enrolling your employees.