Islamic Retirement & Pension in Dubai, Dubai

A two-phase savings-to-income program from the UAE's national savings institution: commit at least AED 1,000 a month for a savings term of 3 to 20 years at a competitive anticipated return of 3.25% p.a. reinvested monthly, then receive your principal plus accumulated profit back as a monthly 'second salary' over an income period you choose. Savers keep full entry into the AED 36 million Rewards Program plus an exclusive monthly regular-saver draw (AED 5,000 for 10 winners, AED 500 for 60, AED 50 for 5,000), can add lump sums to raise the eventual income, redeem in full after 90 days if plans change, and have the subscription fee waived after completing a 3-year term.

A Shari'a-compliant workplace end-of-service and retirement savings scheme launched 11 October 2022 for the UAE's private-sector expatriate workforce. Employers register and fund employees' end-of-service benefits (EOSB) into individual National Bonds accounts, as a lump sum for accrued benefits or via monthly contributions, while employees can add voluntary savings from AED 100 a month and track balances, profit and prize winnings in the National Bonds app in real time. Contributions are invested in the National Bonds pool across money market instruments, sukuk and the company's income-generating real estate portfolio. Employees can withdraw their own voluntary contributions at any time; employer-funded EOSB amounts are released per employer rules.

The Sharia-compliant fund menu inside DEWS, the DIFC Employee Workplace Savings plan that replaced end-of-service gratuity for DIFC employers from February 2020. Members can direct employer contributions and voluntary savings into four options catering to Islamic beliefs: the Emirates Islamic Money Market Fund, the Franklin Global Sukuk Fund, the HSBC Islamic Global Equity Index Fund, and an Islamic Mudarabah option, switchable free of charge via the DEWS portal. The plan is administered by Zurich Workplace Solutions (Middle East) Limited (DFSA registration F005650), with Equiom as master trustee and Mercer as investment adviser. All-in ongoing charges as at March 2026: roughly 1.26% p.a. for the money market option up to 1.79% for the Islamic global equity option (0.20% trustee + 0.80% administrator + 0.23% investment advice + fund-specific management and expenses).