Why Choose Ghaf Benefits?

Benefits Designed For Your Success

As a MOHRE-approved, SCA-regulated, enhanced alternative EoSB plan, Ghaf Benefits provides unparalleled opportunities for growth, with flexibility and mobility of your investments. We combine investment expertise and user-centric technology to deliver a smart, secure and seamless EoSB experience.

A wide range of investment options to suit your goals

Enjoy flexibility and the potential for financial growth with a range of investment strategies across various funds to match your personal goals and risk appetite, along with the choice of conventional and shariah-compliant options.

World-leading expertise and partners, powered by Lunate

You have the comfort and confidence of knowing your end-of-service benefits are invested in MOHRE-approved and SCA-regulated funds, managed by Lunate, a global investment management firm.

Convenience at your fingertips via the online portal

Our user-friendly Ghaf Benefits portal gives you instant access to your enhanced alternative EoSB plan online, allowing you to monitor employer contributions, track your investment performance, make additional contributions, and reallocate funds.

The support of our investment experts, every step of the way

With Ghaf Benefits, our team of experts is on hand to support you throughout your enhanced alternative EoSB journey, empowering you to plan ahead with confidence, from enrolment to payout and beyond.

What Sets Us Apart

Benefits that work for you, wherever your career takes you

Opportunities & Growth

Potential for attractive returns

Ghaf Benefits gives you unparalleled opportunities to grow your end-of-service gratuity beyond the limits of a traditional lump-sum payout. Your contributions are invested in a selection of professionally managed funds, giving you the potential to earn attractive investment returns over time. This means your EoSB can become a valuable financial asset, supporting your long-term goals and helping you build a more secure financial future.

Flexibility & Choice

Your investments, your preferences

With Ghaf Benefits, you have the freedom to choose between conventional and shariah-compliant investment options, ensuring your preferences and values are aligned. You can tailor your investments to match your personal risk appetite and financial aspirations, with the flexibility to adjust your allocation as your needs evolve. Our dynamic approach empowers you to take control of your financial journey with confidence and clarity.

Functionality & Mobility

Flexible plan for continuous growth

Ghaf Benefits offers employees the functionality of a modern savings plan designed for today’s workforce. You can make voluntary contributions on top of your employer’s payments, giving you tools to enhance your savings. Your funds will remain yours and potentially continue to grow even if you change jobs, ensuring your end-of-service benefits are always working for you, no matter where your career takes you.

Expertise & Guidance

A professionally managed plan

With Ghaf Benefits, your financial wellbeing is supported by Lunate’s world-class investment professionals and a secure, regulated, user-friendly platform. From onboarding to ongoing management, you’ll benefit from expert guidance and dedicated support at every stage of your enhanced alternative EoSB journey, allowing you to plan your financial future with confidence and peace of mind.

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Investment Options

The freedom of choice on your investment journey

Ghaf Benefits offers employees a choice of diversified investment options through MOHRE-approved, SCA-regulated investment funds.

Explore Investment Options

Your Ghaf Benefits Portal

Online Monitoring & Management

The Ghaf Benefits online portal provides you with an easy, user-friendly way to track contributions and manage your investments.

Stay on top of your Ghaf Benefits contributions and returns via the online portal, where you can monitor employer contributions and investment performance, adjust investments based on your goals and add voluntary contributions.