Giving your employees the freedom to invest their EoSB in MOHRE-approved, SCA-regulated funds that align with their financial goals
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With Ghaf Benefits, employees have the flexibility to choose from a range of professionally managed funds, including shariah-compliant options, each tailored to their risk appetites, personal values and long-term goals.
At the end of their employment, they can cash out their full entitlement, which will potentially have grown in value over the course of their investment journey. Alternatively, they can choose to retain their investment and let it grow over time within their chosen investment options. To further accelerate growth, enrolled employees have the option to voluntarily contribute up to 25% of their annual gross salary through lump-sum contributions, while employers have the flexibility to make additional contributions beyond the mandatory requirement.
Ghaf Benefits offers employees the choice of six investment funds across a range of three strategies, each designed with a diversified mix of equity and fixed income investments to cater to various risk profiles and preferences.
We provide conventional and shariah-compliant options, giving employees the choice to align their selections based on their personal values and financial goals.
For conservative investors who prioritise capital preservation
For investors seeking stability and steady growth
For investors looking for moderate growth while managing risk
The fund primarily invests in deposits with UAE-licensed banks and in short-term fixed income securities issued or guaranteed by the UAE Government or its agencies.
Issued or guaranteed by the UAE government and its agencies
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Seeks to preserve capital and provide a stable short-term rate of return
Invests exclusively in deposits and high-quality, short-term, fixed income instruments
Maximum weighted average maturity of 180 days and maximum maturity of 397 days
Minimum of 10% of the fund is held in investments that mature in less than 7 days
Maximum of 10% of the fund is invested in any single security
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
100% in UAE bank deposits and short-term fixed income instruments issued or guaranteed by the UAE Government.
100% of the fund is allocated to deposits and fixed income securities issued or held within the UAE.
Low High
The fund primarily invests in deposits with UAE-licensed banks and in short-term fixed income securities issued or guaranteed by the UAE Government or its agencies.
Issued or guaranteed by the UAE government and its agencies
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Seeks to preserve capital and provide a stable short-term rate of return
Invests exclusively in deposits and high-quality, short-term, fixed income instruments
Maximum weighted average maturity of 180 days and maximum maturity of 397 days
Minimum of 10% of the fund is held in investments that mature in less than 7 days
Maximum of 10% of the fund is invested in any single security
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
100% in UAE bank deposits and short-term fixed income instruments issued or guaranteed by the UAE Government.
Low High
100% of the fund is allocated to deposits and fixed income securities issued or held within the UAE.
Swipe
Issued or guaranteed by the UAE government and its agencies
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Seeks to preserve capital and provide a stable short-term rate of return
Invests exclusively in deposits and high-quality, short-term, fixed income instruments
Maximum weighted average maturity of 180 days and maximum maturity of 397 days
Minimum of 10% of the fund is held in investments that mature in less than 7 days
Maximum of 10% of the fund is invested in any single security
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
100% in UAE bank deposits and short-term fixed income instruments issued or guaranteed by the UAE Government.
100% of the fund is allocated to deposits and fixed income securities issued or held within the UAE.
Low High
Swipe
The fund primarily invests directly in wakala with UAE-licensed banks and in short-term sukuk issued or guaranteed by the UAE Government or its agencies.
Issued or guaranteed by the UAE government and its agencies
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Seeks to preserve capital and provide a stable short-term rate of return
Invests exclusively in wakala and high-quality, short-term sukuk
Maximum weighted average maturity of 180 days and maximum maturity of 397 days
Minimum of 10% of the fund is held in investments that mature in less than 7 days
Maximum of 10% of the fund is invested in any single security
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund primarily invests directly in wakala with UAE-licensed banks and in short-term sukuk issued or guaranteed by the UAE government or its agencies.
100% of the fund is allocated to wakala and sukuk issued or held within the UAE.
Low High
The fund primarily invests directly in wakala with UAE-licensed banks and in short-term sukuk issued or guaranteed by the UAE Government or its agencies.
Issued or guaranteed by the UAE government and its agencies
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Seeks to preserve capital and provide a stable short-term rate of return
Invests exclusively in wakala and high-quality, short-term sukuk
Maximum weighted average maturity of 180 days and maximum maturity of 397 days
Minimum of 10% of the fund is held in investments that mature in less than 7 days
Maximum of 10% of the fund is invested in any single security
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund primarily invests directly in wakala with UAE-licensed banks and in short-term sukuk issued or guaranteed by the UAE government or its agencies.
Low High
100% of the fund is allocated to wakala and sukuk issued or held within the UAE.
Swipe
Issued or guaranteed by the UAE government and its agencies
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Seeks to preserve capital and provide a stable short-term rate of return
Invests exclusively in wakala and high-quality, short-term sukuk
Maximum weighted average maturity of 180 days and maximum maturity of 397 days
Minimum of 10% of the fund is held in investments that mature in less than 7 days
Maximum of 10% of the fund is invested in any single security
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund primarily invests directly in wakala with UAE-licensed banks and in short-term sukuk issued or guaranteed by the UAE government or its agencies.
100% of the fund is allocated to wakala and sukuk issued or held within the UAE.
Low High
Swipe
The fund primarily invests in fixed income securities, with the flexibility to allocate up to 20% to equities. Its fixed income holdings include a globally diversified mix of short, intermediate and long-term government and corporate bonds.
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Tailored for investors seeking stability and steady growth
Actively managed with a strategic allocation to a geographically and sectorally diversified portfolio of ETFs
Bonds are allocated across 10 sectors; equities are allocated across 10 sectors
Minimum targeted allocation of 80% to a globally diversified portfolio of bonds
Maximum targeted allocation of 20% to a globally diversified portfolio of equities
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund invests in fixed income securities and/or equities, allocated across high-yield, emerging market, investment-grade, and government bonds.
The fund is allocated across broad-based equity and/or fixed income markets in the USA, Europe and emerging markets.
Low High
The fund primarily invests in fixed income securities, with the flexibility to allocate up to 20% to equities. Its fixed income holdings include a globally diversified mix of short, intermediate and long-term government and corporate bonds.
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Tailored for investors seeking stability and steady growth
Actively managed with a strategic allocation to a geographically and sectorally diversified portfolio of ETFs
Bonds are allocated across 10 sectors; equities are allocated across 10 sectors
Minimum targeted allocation of 80% to a globally diversified portfolio of bonds
Maximum targeted allocation of 20% to a globally diversified portfolio of equities
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund invests in fixed income securities and/or equities, allocated across high-yield, emerging market, investment-grade, and government bonds.
Low High
The fund is allocated across broad-based equity and/or fixed income markets in the USA, Europe and emerging markets.
Swipe
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Tailored for investors seeking stability and steady growth
Actively managed with a strategic allocation to a geographically and sectorally diversified portfolio of ETFs
Bonds are allocated across 10 sectors; equities are allocated across 10 sectors
Minimum targeted allocation of 80% to a globally diversified portfolio of bonds
Maximum targeted allocation of 20% to a globally diversified portfolio of equities
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund invests in fixed income securities and/or equities, allocated across high-yield, emerging market, investment-grade, and government bonds.
The fund is allocated across broad-based equity and/or fixed income markets in the USA, Europe and emerging markets.
Low High
Swipe
The fund primarily invests in sukuk, with the flexibility to allocate up to 20% to shariah-compliant equities. Its sukuk holdings include a globally diversified mix of short, intermediate and long-term government and corporate sukuk.
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Tailored for investors seeking stability and steady growth
Actively managed with a strategic allocation to a geographically and sectorally diversified portfolio of ETFs
Sukuk are allocated across 7 sectors; equities are allocated across 11 sectors
Minimum targeted exposure of 80% to a global diversified portfolio of sukuk
Maximum targeted allocation of 20% to a global diversified portfolio of shariah-compliant equities
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund invests in shariah-compliant securities across investment-grade and high-yield sukuk and equity.
The fund is allocated across broad-based, shariah-compliant equity and/or sukuk markets, including global sukuk, the USA, Europe, UAE, Japan, and emerging markets.
Low High
The fund primarily invests in sukuk, with the flexibility to allocate up to 20% to shariah-compliant equities. Its sukuk holdings include a globally diversified mix of short, intermediate and long-term government and corporate sukuk.
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Tailored for investors seeking stability and steady growth
Actively managed with a strategic allocation to a geographically and sectorally diversified portfolio of ETFs
Sukuk are allocated across 7 sectors; equities are allocated across 11 sectors
Minimum targeted exposure of 80% to a global diversified portfolio of sukuk
Maximum targeted allocation of 20% to a global diversified portfolio of shariah-compliant equities
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund invests in shariah-compliant securities across investment-grade and high-yield sukuk and equity.
Low High
The fund is allocated across broad-based, shariah-compliant equity and/or sukuk markets, including global sukuk, the USA, Europe, UAE, Japan, and emerging markets.
Swipe
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Tailored for investors seeking stability and steady growth
Actively managed with a strategic allocation to a geographically and sectorally diversified portfolio of ETFs
Sukuk are allocated across 7 sectors; equities are allocated across 11 sectors
Minimum targeted exposure of 80% to a global diversified portfolio of sukuk
Maximum targeted allocation of 20% to a global diversified portfolio of shariah-compliant equities
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund invests in shariah-compliant securities across investment-grade and high-yield sukuk and equity.
The fund is allocated across broad-based, shariah-compliant equity and/or sukuk markets, including global sukuk, the USA, Europe, UAE, Japan, and emerging markets.
Low High
Swipe
The fund primarily invests in accordance with a targeted asset allocation of 60% diversified exposure to global equity markets and 40% diversified exposure to global fixed income markets.
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Seeks to deliver long-term capital growth and income for investors
Actively managed with a strategic allocation to a geographically and sectorally diversified portfolio of ETFs
Bonds are allocated across 10 sectors; equities are allocated across 11 sectors
Minimum targeted allocation of 40% to a global diversified portfolio of bonds
Maximum targeted allocation of 60% to a global diversified portfolio of equities
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund invests in securities across equity, high-yield and emerging market bonds.
The fund is allocated across broad-based, global equity and fixed income markets in the USA, Japan, emerging markets, the UK, the rest of Europe, Switzerland, and the UAE.
Low High
The fund primarily invests in accordance with a targeted asset allocation of 60% diversified exposure to global equity markets and 40% diversified exposure to global fixed income markets.
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Seeks to deliver long-term capital growth and income for investors
Actively managed with a strategic allocation to a geographically and sectorally diversified portfolio of ETFs
Bonds are allocated across 10 sectors; equities are allocated across 11 sectors
Minimum targeted allocation of 40% to a global diversified portfolio of bonds
Maximum targeted allocation of 60% to a global diversified portfolio of equities
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund invests in securities across equity, high-yield and emerging market bonds.
Low High
The fund is allocated across broad-based, global equity and fixed income markets in the USA, Japan, emerging markets, the UK, the rest of Europe, Switzerland, and the UAE.
Swipe
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Seeks to deliver long-term capital growth and income for investors
Actively managed with a strategic allocation to a geographically and sectorally diversified portfolio of ETFs
Bonds are allocated across 10 sectors; equities are allocated across 11 sectors
Minimum targeted allocation of 40% to a global diversified portfolio of bonds
Maximum targeted allocation of 60% to a global diversified portfolio of equities
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund invests in securities across equity, high-yield and emerging market bonds.
The fund is allocated across broad-based, global equity and fixed income markets in the USA, Japan, emerging markets, the UK, the rest of Europe, Switzerland, and the UAE.
Low High
Swipe
The fund primarily invests in accordance with a targeted asset allocation of 60% diversified exposure to global equity markets and 40% diversified exposure to global fixed income markets.
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Seeks to deliver long-term capital growth and income for investors
Actively managed with a strategic allocation to a geographically and sectorally diversified portfolio of shariah-compliant ETFs
Sukuk are allocated across 7 sectors; equities are allocated across 11 sectors
Minimum targeted allocation of 40% to a global diversified portfolio of sukuk
Maximum targeted allocation of 60% to a global diversified portfolio of shariah-compliant equities
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund invests in securities across equity and investment-grade and high-yield sukuk.
The fund is allocated across broad-based, shariah-compliant equity and sukuk markets in the USA, Europe, UAE, global sukuk, emerging markets, and Japan.
Low High
The fund primarily invests in accordance with a targeted asset allocation of 60% diversified exposure to global equity markets and 40% diversified exposure to global fixed income markets.
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Seeks to deliver long-term capital growth and income for investors
Actively managed with a strategic allocation to a geographically and sectorally diversified portfolio of shariah-compliant ETFs
Sukuk are allocated across 7 sectors; equities are allocated across 11 sectors
Minimum targeted allocation of 40% to a global diversified portfolio of sukuk
Maximum targeted allocation of 60% to a global diversified portfolio of shariah-compliant equities
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund invests in securities across equity and investment-grade and high-yield sukuk.
Low High
The fund is allocated across broad-based, shariah-compliant equity and sukuk markets in the USA, Europe, UAE, global sukuk, emerging markets, and Japan.
Swipe
A UAE-domiciled, SCA-regulated, UAE dirham (AED) fund managed by Lunate Capital LLC
Seeks to deliver long-term capital growth and income for investors
Actively managed with a strategic allocation to a geographically and sectorally diversified portfolio of shariah-compliant ETFs
Sukuk are allocated across 7 sectors; equities are allocated across 11 sectors
Minimum targeted allocation of 40% to a global diversified portfolio of sukuk
Maximum targeted allocation of 60% to a global diversified portfolio of shariah-compliant equities
The target asset allocation is provided for informational purposes only and is subject to change based on the investment strategy outlined in the prospectus. Please refer to the prospectus for full details.
The fund invests in securities across equity and investment-grade and high-yield sukuk.
The fund is allocated across broad-based, shariah-compliant equity and sukuk markets in the USA, Europe, UAE, global sukuk, emerging markets, and Japan.
Low High
Swipe
Before investing, it’s crucial that your employees assess their risk tolerance. While the goal is for investments to grow in value over time, all investments carry risks. If an employee wants to invest with confidence, they first need to evaluate their risk appetite and align their investments accordingly. It’s important that they consider how comfortable they are with market fluctuations before making an investment decision.
Employees should define what they want to achieve and create a strategy to reach those objectives. Whether saving for short-term needs, planning for retirement, or aiming for long-term wealth accumulation, setting clear financial goals will help them make informed investment decisions.
The investment horizon is the period an investor plans to remain invested before making withdrawals. Whether short or long-term, Ghaf Benefits gives employees diverse investment options and the flexibility to align with their individual objectives.
An employee’s overall investments and diversification can influence how comfortable they are with risk. It’s important to consider their full financial picture when assessing their investment options.
Ready to take the first step on your Ghaf Benefits journey? Our team of experts is here to help, guide and get you started.
