Ghaf Benefits by Lunate
Ghaf Benefits is the end of service savings plan of Lunate Capital, an Abu Dhabi investment manager. It launched on 4 February 2025 for private sector employers using the UAE savings scheme, with capital protection, conservative and balanced funds in conventional and Sharia-compliant versions.
Go to ghafbenefits.com- Legal name
- Lunate Capital LLC
- Regulator
- Securities and Commodities Authority1
- Licence
- Fund manager and fund administrator of the Ghaf Benefits plan
- Role
- Fund manager, Fund administrator
What does Lunate do for your end of service savings?
Lunate Capital LLC is the fund manager and fund administrator of Ghaf Benefits, an alternative end of service plan in which your employer’s monthly contributions are invested in funds for you.1 Lunate launched it on 4 February 2025 for private sector employers across the UAE.2
The regulator’s list of end of service savings funds shows six Lunate sub-funds, Capital Protection, Global Conservative and Global Balanced, each in a conventional and a Shari’a-compliant version, all licensed on 21 January 2025.3
What funds can your savings go into?
Lunate announced six funds covering capital protection, conservative and balanced strategies, in conventional and Sharia-compliant versions.2 Its FAQ describes capital protection for savers who put preservation first, global conservative for stability and steady growth, and global balanced for moderate growth.1
If you do not choose, or you do not count as a skilled worker, you are placed in the capital protection option. You can put all of your money in one option or split it.1
Can you add your own money?
Yes. Ghaf Benefits says you can make voluntary contributions monthly or yearly, up to 25% of your annual gross salary, and choose their investment on its online portal.1
What does it charge?
Ghaf Benefits says fees depend on the investment strategy and are set out in each fund’s prospectus.1 Ask your employer for the prospectus of the funds you can choose.
How do you get your money?
Your employer’s contributions can be taken out only when your employment ends, and are paid within 14 calendar days of that date. Your own voluntary contributions can be taken out at any time through the portal. Ghaf Benefits says there are no withdrawal penalties.1
How do you contact Ghaf Benefits?
If you are already a member, call 800 0444 5068 or email EoSBenquiries@ghafbenefits.com, Monday to Friday, 9am to 5pm UAE time. For general questions, call 6005 44 232 or email ghafenquiries@lunate.com.4 The scheme rules behind the plan are on the end of service savings scheme.
Sources
4
1Ghaf Benefits by Lunate, Frequently Asked Questions. Last checked 12 Nov 2026. Source document: Frequently Asked Questions
2Lunate, Lunate launches Ghaf Benefits to provide solution for new End of Service Benefits scheme in the UAE. Last checked 12 Nov 2026. Source document: Lunate launches Ghaf Benefits to provide solution for new End of Service Benefits scheme in the UAE
3Capital Market Authority, End-of-service gratuity savings funds. Last checked 12 Nov 2026. Source document: End-of-service gratuity savings funds
4Ghaf Benefits by Lunate, Talk to Us. Last checked 12 Nov 2026. Source document: Talk to Us
- Owner
- Pensions.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published