Gratuity can now be invested.
Transform your financial future with enhanced security, flexibility and growth for employees and businesses alike
DOWNLOAD BROCHURE
Transform your financial future with enhanced security, flexibility and growth for employees and businesses alike
DOWNLOAD BROCHURE
Ghaf Benefits is a MOHRE-approved, CMA-regulated, enhanced alternative end-of-service benefits (EoSB) solution, powered by Lunate. Transforming EoSB in the UAE, Ghaf Benefits empowers employers with efficiency and employees with growth opportunities.
Discover the Ghaf Advantage
Unlike the traditional gratuity scheme, where employers make lump-sum payouts at the end of service, Ghaf Benefits enables predictable monthly contributions to be invested in regulated funds. This approach reduces employer risk and administration while giving employees flexibility, the potential for long-term financial growth and protection against inflation.
Requires large lump-sum payouts at service end
Steady, predictable monthly contributions
Significant administrative effort for employers
Administration outsourced to professional fund managers
No protection from inflation or investment growth
Employees can invest, with the potential for financial growth
Requires large lump-sum payouts at service end
Steady, predictable monthly contributions
Significant administrative effort for employers
Administration outsourced to professional fund managers
No protection from inflation or investment growth
Employees can invest, with the potential for financial growth
Ghaf Benefits transforms gratuity from a one-time payout into a powerful tool for financial wellbeing through a new, efficient and flexible way to manage end-of-service benefits.
Safeguard liquidity with steady, manageable payments instead of lump-sum obligations.
Outsource compliance and management to expert fund managers, freeing internal resources.
Offer employees growth opportunities that elevate your reputation as an employer of choice.
Powered by Lunate, ensuring world-class investment management and regulatory compliance.
Maximise your gratuity with tailored investment strategies designed for long-term financial growth and wellbeing.
Select conventional or Shariah-compliant funds to match personal goals and preferences.
Make voluntary contributions and keep your funds growing—even if you change jobs.
Backed by Lunate’s global investment experience, providing security and guidance every step of the way.
For conservative investors who prioritise capital preservation
For investors seeking stability and steady growth
For investors looking for moderate growth while managing risk
Ghaf Benefits gives employees the choice of six MOHRE-approved, CMA-regulated investment funds across three tailored strategies. These funds include both conventional and shariah-compliant options, ensuring security, flexibility and growth opportunities, while enabling employers to offer investment choices that match diverse risk appetites, values and long-term goals.
Ready to get started on your Ghaf Benefits journey? Our experts are here to guide and support you.
Ghaf Benefits transforms gratuity from a one-time payout into a powerful tool for financial wellbeing, delivering efficiency for employers and growth for employees.
6005 GHAFB – 600544232