Growing together

With Ghaf Benefits Plan

A state-of-the-art platform for gratuity management
with unique investment solutions

What is the Alternative End-of-Service Benefits Scheme?

The Alternative End-of-Service Benefits Scheme, introduced by the Ministry of Human Resources and Emiratization (MOHRE) and governed by Decree-Law No. (33) of 2021, allows participating employers to channel their employees’ end-of-service gratuity into professionally managed funds approved by the UAE’s Securities & Commodities Authority.

Employers choosing to participate in the Scheme would enable their employees to invest their end-of-service benefits in funds, enabling them to receive returns on investment upon completion of their employment.

Why choose the Ghaf Benefits Plan?

The Ghaf Benefits Plan simplifies gratuity management for employers with a state-of-the-art platform while offering employees flexibility and growth potential for their gratuity within the MOHRE-approved Alternative End-of-Service Scheme.

Employers

SIMPLIFIED PROCESS

The Ghaf Benefits Plan reduces the administrative burden for employers by streamlining end-of-service benefit management through SCA-approved investment funds.

TALENT ATTRACTION & RETENTION

Offering a competitive EoSB Plan can improve talent attraction and retention by enhancing employee compensation packages.

PROFESSIONAL MANAGEMENT

With the extensive investment experience of Lunate Capital LLC, the Ghaf Benefits Plan ensures professional and cost-effective management of employee funds.

ADDITIONAL CONTRIBUTIONS

Employers can make additional contributions beyond basic entitlements, reinforcing their commitment to the financial security of their employees.

Employees

INCREASED GRATUITY POTENTIAL

The Ghaf Benefits Plan enables employees to earn returns on their end-of-service gratuity, potentially increasing the amount they receive upon concluding their tenure.

FLEXIBILITY OF CHOICE

Employees can choose how their end-of-service benefits are managed, catering to various risk appetites, with conventional and Shariah-compliant options.

ROBUST INFRASTRUCTURE & EXPERTISE

Employees leverage the Ghaf Benefits Plan’s robust infrastructure and expertise, which manages end-of-service benefits with high professional standards.

SUPPLEMENTARY INVESTMENTS

Employees can voluntarily add their own contributions and select from different investment options to match their investment preferences.

Track and Manage Investments

Employees can easily manage their end-of-service benefits through the Ghaf Benefits Plan's portal.

Participating employees have the opportunity to manage their investments directly through the Ghaf Benefits online portal, allowing them to easily switch investment strategies or increase contributions based on their individual financial goals.

View investment balance

View employer contributions

Make voluntary contributions

Manage beneficiaries

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