As highlighted in my Q4 2025 update, the first quarter of 2026 is expected to bring the initial wave of EOSB fund performance disclosures across the market.
Ghaf Benefits, operated by Lunate, has now published year-end performance figures for its risk-based investment funds.
Among the disclosed strategies, the strongest result came from the Shariah Global Balanced Fund, which generated a return of 12.3% from its mid-year launch in 2025 through year-end.
The provider also reported positive returns across its conservative and balanced fund ranges, reflecting generally supportive market conditions during the second half of 2025.
Ghaf Benefits currently offers employees access to a range of investment options spanning both conventional and Shariah-compliant strategies, alongside capital protection solutions.
It is important to note that performance data has not yet been published for all available fund options, and disclosures across providers remain at an early stage.
As additional data becomes available from other EOSB providers during 2026, Vestora will continue monitoring results and providing a broader view of market performance across the UAE EOSB savings landscape.
Past performance is not a guarantee of future returns. EOSB investment outcomes will vary depending on fund selection, market conditions and investment time horizon.
Nisha Braganza
Founder and CEO, Vestora · UAE CMA Registered Finfluencer No. 12
Independent commentary on EOSB markets and regulation across the UAE and GCC.