MoHRE & Cabinet Resolution No. 96 of 2023 Compliant
UAE Voluntary End-of-Service Savings Scheme Guide
Authoritative handbook on the alternative end-of-service investment fund scheme — comparing traditional gratuity vs investment growth, capital protection options, and SCA rules.
Savings Scheme vs Traditional Gratuity Calculator
Calculate your potential payout under traditional MoHRE gratuity versus the alternative workplace investment fund.
Excluding fixed allowances
Total employment duration
Estimated Investment Payout: AED 59,277
Traditional Gratuity Baseline: AED 52,500
Potential Investment Return Bonus: AED 6,777
Frequently Asked Questions
Under Cabinet Resolution No. 96 of 2023, UAE employers can opt out of traditional lump-sum severance (gratuity) and instead deposit monthly employee end-of-service contributions into licensed, professionally managed investment funds (approved by MoHRE & SCA).
Yes. Employees enrolled in the scheme can choose to contribute an additional portion of their monthly salary (up to 25% of basic salary) into conservative, medium, or high-growth investment funds.