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Are ‘guaranteed funds’ really guaranteed?

One key feature of the new End-of-Service Savings scheme (aka, Cabinet Resolution 96) is that each provider must offer a “capital guarantee” option. Everyone likes a no-risk investment opportunity of course – but let’s examine a bit more closely what these funds are, how they work, the alternatives and their drawbacks. Government debt-based funds The […]

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You can now invest your End-of-Service Benefits: What are your options?

Since the UAE’s new alternative End-of-Service Savings scheme was announced last year, many fund managers, banks and insurers have been racing to structure and launch a compliant product offering. The question was: Who would be the first to market? This was recently confirmed. Congratulations to Daman Investments PSC (Daman Investments) and Lunate Capital LLC (Lunate) for becoming the first two accredited fund […]

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Did you say USD 100 bn?

Once the new end-of-service savings scheme (‘EoSS’) takes off in the UAE, and once it becomes compulsory, every month, every single employer will pay a certain percentage of every single employee’s salary into investment funds. Question: How much money will there be in these funds, after one year, after five, after ten? The answer to […]

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