Fund Performance
GO SAVER default fund discloses FY 2025 gains
Capital Protected Fund delivers its strongest annual result since launch, returning 3.55% net in FY2025.
By Nisha Braganza
GO SAVER, the second official End-of-Service Benefits (EOSB) Savings Plan in the DIFC, has disclosed the FY 2025 results for its default investment option, the Capital Protected Fund.
FY 2025 Performance
The Fund delivered its strongest annual result since launch, returning 4.85% gross in FY 2025 and marking the fourth consecutive year of positive returns since its launch in 2022.
Annual gross returns since launch are as follows:
- 2022: 3.59%
- 2023: 2.71%
- 2024: 4.43%
- 2025: 4.85%
After deducting the Fund's all-inclusive annual fee of 1.30%, members received a net return of 3.55% for FY 2025.
How it compares
On a net return basis, the Fund trails other low-risk investment options offered under GO SAVER, but offers two features unavailable elsewhere in the Plan:
- 100% of contributed capital is protected from market losses.
- Annual gains, once credited, are permanently locked in and continue compounding over time. Even if financial markets subsequently decline, previously credited gains cannot be lost.
This is possible because, unlike traditional investment funds where members bear the investment risk directly, the Capital Protected Fund transfers that risk to the insurance provider.
Reflecting this insurance-based structure, the product does not have a daily Net Asset Value (NAV) and reports credited investment returns annually, rather than publishing daily performance like traditional investment funds.
This product is offered by Sukoon Insurance and reinsured by Generali, a global insurer and asset manager and invests primarily in a diversified portfolio of high-quality fixed income securities, complemented by a modest allocation to equities to support long-term returns while maintaining a conservative risk profile.
According to CSC, the Trustee of GO SAVER, the Capital Protected Fund represented ~50% of the Plan’s Assets under Management as at 30 June 2026, making it the largest investment option within the Plan by assets.
The remaining assets are invested across GO SAVER's 15 other investment options spanning money market, fixed income, diversified and equity strategies, including funds managed by Franklin Templeton, BlackRock, HSBC and other leading global investment managers.
A full breakdown of the GO SAVER offering and AUM allocation is available in the Q2 2026 GCC EOSB Monitor.