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123 articles
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 The design is right; the unpublished fees and employer gatekeeping deserve daylight.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.
Is Insurance Haram? The UAE Answer, Without the Hand-Waving
The short answer is that most scholars object to conventional insurance, the UAE built a regulated alternative, and the law sometimes obliges you to hold cover anyway. Here is how to navigate all three facts honestly.
How the CBUAE Polices Takaful: The Protections You Did Not Know You Had
A dissolved board, a suspended licence, forced recapitalizations: UAE takaful enforcement is real and recent. Here is the machinery protecting your contributions, from segregated funds to Qard Hasan.
School Fee Protection Takaful: The Most UAE Product in All of Takaful
Private school fees are many expat families' largest committed expense after housing, and exactly one UAE takaful operator has built cover for the risk that the fee-paying parent dies. Up to AED 500,000, paid the way fees are billed.
Bancatakaful in the UAE: What You Are Actually Buying at the Bank Counter
A takaful plan sold by your Islamic bank is underwritten by someone else entirely. Here is how the distribution chain works, why the key facts statement is your best friend, and the questions that cut through the pitch.