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About the Alternative End-of-Service Benefits System (Savings Scheme):

A voluntary scheme through which end-of-service benefits of employees are invested in well-proven Investment Funds that are with good record, and which are approved by the Emirates Securities and Commodities Authority (The ESCA). The scheme aims to provide investment returns to employees on their end-of-service benefits.

How to sign up for Savings Scheme?

The employer submits a request to the Ministry of Human Resources and Emiratisation, then chooses an approved Investment Funds from the ones listed in this page. The employer then chooses the employees they wish to register into the Scheme, while ensuring their employees' entitlements from the previous period (as per the Labour Law) are preserved.

Investment Funds:

Daman Investments


Companies can apply to register their employees in the Savings Scheme by contacting Lunate through any of the following channels:

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