National Bonds has formally launched a new capital-protected Shari’a-compliant fund designed for the UAE’s voluntary alternative to traditional end-of-service benefits, a move aligned with the government’s push to modernize long-term savings and strengthen the labor market.
The fund, announced in partnership with the Ministry of Human Resources and Emiratisation (MOHRE) and the Securities and Commodities Authority, allows employers to invest employees’ end-of-service contributions in regulated financial instruments while shielding those funds from market risks. Employees may also contribute voluntarily up to 25% of their annual salary.
National Bonds was among the first firms accredited to manage end-of-service savings schemes in the UAE. The launch, according to the company, builds on nearly two decades of experience and aims to improve workforce stability and support the nation’s economic goals.
Group CEO Mohammed Qasim Al Ali said the development represents “a significant milestone in the journey of National Bonds and a qualitative step toward shaping a new generation of long-term savings and investment solutions in the UAE.”
“This program is not only an innovative financial mechanism to protect employees’ entitlements and grow their savings,” he added, “but also forms part of a broader vision that contributes to workforce stability, supports the national economy, and reinforces the UAE’s position as a leading destination for living, working, and investing.”
He noted that the firm’s 19 years in savings and investment have served more than 900,000 customers, and highlighted the program’s benefits for both workers and employers. “For employees, this program opens the door to competitive investment returns that protect against inflation and provide long-term financial stability. For employers, the program offers practical and transparent tools to efficiently manage end-of-service obligations.”
The fully digital system gives employees real-time visibility of their returns, while companies benefit from streamlined fund management and stronger recruitment offerings.
