Retirement
10 articles tagged “Retirement”
Retirement Planning for UAE Expats (2026): The Honest Playbook
No state pension, a gratuity that was never designed to fund old age, and a growing menu of real alternatives. The verified retirement playbook for the UAE's expatriate majority.
UAE End-of-Service Gratuity: Why It Is Not a Retirement Plan
Gratuity is an unfunded IOU on your employer's books, earning nothing while it accrues. What every UAE employee should understand about EOSB, and the funded schemes replacing it.
DEWS Sharia Options: The One Election That Keeps Your Gratuity Halal
DEWS has four certified Sharia-compliant funds, published fees to the basis point, and a conventional default that captures every member who never logs in. The complete guide for Muslim DIFC employees.
Golden Pension Plan Review (2026): Funding the Gratuity Promise
National Bonds' Golden Pension converts unfunded end-of-service IOUs into invested, Shariah-native individual accounts. The design is right; the unpublished fees and employer gatekeeping deserve daylight.
DEWS vs Golden Pension: Which Workplace Scheme Serves Muslims Better?
The DIFC's trust-based plan with published fees and a conventional default, against the mainland's Shariah-native Mudarabah scheme with negotiated pricing. The honest comparison for employers and employees.
Second Salary Review (2026): The UAE's Nearest Thing to a Halal Personal Pension
AED 1,000 a month, a published 3.25% anticipated rate, and a mechanism that converts savings into monthly income. Second Salary's design is genuinely good; its rate and one undisclosed fee need eyes open.
Building Halal Retirement Income in the UAE: The Real Options
No halal annuities exist in the UAE retail market, so retirement income must be engineered. The four verified building blocks, how to sequence them, and the honest limits of each.
The UAE's Quiet Gratuity Revolution: DEWS, Golden Pension and What Comes Next
Without a single headline reform, the UAE is dismantling the unfunded gratuity model: DIFC first, then a national savings institution, then a federal alternative scheme. The map of what replaced the IOU.
Six Retirement Mistakes UAE Muslims Keep Making
The DEWS default trap, the gratuity fantasy, the remittance-only plan: six specific, fixable errors we see across UAE retirement planning, each with its verified correction.
GPSSA After Law 57/2023: How the Emirati Pension Actually Works
Two pension regimes now run in parallel for UAE nationals, split by one date: 31 October 2023. Contribution rates, salary caps, the government subsidy, and what GPSSA does and does not cover.