Reports
Understanding perceptions on retirement saving for expats
A survey of more than 1,500 Gulf expats found widespread frustration with today’s retirement-saving landscape. While most are actively setting money aside and thinking seriously about their long-term security, many feel the current End of Service Gratuity (EoSG) system isn’t meeting their needs. Savers want clearer guidance, more flexibility and greater control, with 92% believing employers or governments should play a role in developing better plans.
The future of global retirement
Across the UK, US, South Africa and Australia, people are more engaged in retirement planning but still face uncertainty, especially as they near retirement age. Rising living and healthcare costs remain key concerns, particularly for women. As retirement becomes a gradual transition, savers increasingly want clarity, flexibility and digital tools to manage their finances with confidence.
End of Service Gratuity reform: global lessons on the role of technology
The Gulf has a major opportunity to build a modern retirement system that benefits both employers and workers. By modernising the End of Service Gratuity (EoSG) system and shifting to an investment-based defined contribution model, the Gulf Cooperation Council (GCC) can create a system that offers more transparency, control and long-term growth, as seen in the UK and Singapore.
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