National Bonds, the UAE’s Sharia-compliant savings and investment company, has officially launched the ‘National Bonds Capital Protected Shari’a Compliant Fund’, offering employees and employers a secure and ethical investment option aligned with Islamic finance principles.
The initiative falls under the voluntary alternative to end-of-service benefits systems approved by the Ministry of Human Resources and Emiratization (MOHRE) in collaboration with the Securities and Commodities Authority.
This launch underscores National Bonds’ role as a key enabler of innovative retirement and savings solutions in the region, aligned with the UAE’s vision to enhance long-term financial security and strengthen the overall competitiveness of the national labor market.
National Bonds was among the first fund managers in the UAE to receive accreditation for managing end-of-service savings funds by the end of last year. Today, it officially announces the launch of its investment fund, reaffirming its strong commitment to providing sustainable financial solutions that enhance employee well-being and align with the nation’s drive to develop modern savings systems.
This initiative offers a voluntary alternative to the traditional end-of-service benefits system. It enables employers to invest their employees’ end-of-service funds through approved financial instruments that deliver attractive anticipated returns while protecting their rights from market volatility and employer-related risks. At the same time, the system provides innovative solutions that support a flexible business environment and enhance the UAE’s appeal as a destination for both national and international talent, further reinforcing the country’s position as a leading destination for living and working.
Mohammed Qasim Al Ali Group CEO – National Bonds
“As part of our strategic partnership with the Ministry of Human Resources and Emiratization (MOHRE) and the Securities and Commodities Authority, the launch of the National Bonds Fund under the voluntary alternative End-of-Service Savings Program marks 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, 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.”
Al Ali further said that, “At National Bonds, we are committed to leveraging our 19 years of expertise in savings and investment, which has benefited over 900,000 individuals who have experienced our pioneering solutions, today in service of both employees 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, enhancing their attractiveness and competitiveness in regional and international labour markets.”
The ‘National Bonds Capital Protected Shari’a Compliant Fund’ offers a secure and effective way for employers to invest end-of-service funds while earning competitive returns linked to financial markets. Employees can also make voluntary contributions of up to 25 percent of their annual salary, supporting long-term financial goals and future readiness.
Fully digital, the system provides real-time investment visibility through an advanced smart interface. It simplifies employer management of employee entitlements, reduces overheads, and enhances compensation packages to boost recruitment and retention.
