Turn Compliance into a Valuable Employee Benefit
In a competitive talent market, employee benefits matter more than ever.
JTC Workplace Savings combines compliant plan delivery with configurable design, structured employer support, institutional-grade oversight and an employee experience designed to encourage long-term engagement with savings.
It means your DIFC Employment Law obligation can become part of a stronger employee value proposition, helping your workplace savings work for your organisation.
What is JTC Workplace Savings?
JTC Workplace Savings is a flexible, employer-sponsored DIFC savings plan that helps you meet your mandatory requirements in a way that works for your organisation.
It is designed to help employers balance compliance with control, employee experience and their broader benefits strategy.
Why Choose JTC?
We take a different approach to workplace savings.
Configurable framework
Institutional governance
Broad investment choice
Enhanced employee engagement
Flexibility Where it Matters
Value for Your Business and Your People
Employers
- Meet your DIFC obligations through a solution that aligns with your reward and benefits strategy
- Access flexibility across plan design, investment, governance, reporting and fee structures
- Strengthen your employee value proposition by making your workplace savings an engaging part of your total reward offering
- Give your internal stakeholders full visibility and confidence with a clear oversight structure
Employees
- Participate in a plan built around your needs
- Access a wide range of flexible and high-quality investment options, including conventional and Sharia-compliant funds
- Save with confidence with the support of a wide range of online and in-person financial education
- Access workplace savings, financial education and savings tools through a fully digital experience
30 Years of Workplace Savings Experience
JTC combines local DIFC capability with wider international experience in employer solutions, retirement structures, fiduciary services and plan administration.
With over 30 years of international retirement and savings plan expertise, JTC has a dedicated DIFC team and is independent from any bank, wealth manager or insurer, ensuring our objectives are always aligned with yours.
Frequently Asked Questions…
JTC Workplace Savings (the ‘Plan’) is a DIFC-approved Qualifying Scheme. The Plan is a defined contribution savings scheme that complies with DIFC Employment Law requirements.
The Operator / Trustee: JTC Employer Solutions Trustee (DIFC) Limited is the Trustee of the Plan and is required to act in the best interests of Plan members. The Trustee is regulated by the Dubai Financial Services Authority (DFSA) and is provisioned for operating an Employee Money Purchase Scheme (EMPS) and providing Trust Services.
The Administrator: JTC Employer Solutions (DIFC) Limited is the Administrator of the Plan and performs day-to-day administrative activities including recordkeeping, reporting, contribution processing, investment switches and distributions. The Administrator is regulated by the DFSA and is provisioned for acting as an administrator of an EMPS.
The Investment Advisor: Nexus Wealth Management Limited is Investment Advisor to the Plan. It provides investment advice to the Trustee on the investment options offered within the Plan and monitors investment performance on an ongoing basis. The Investment Advisor is regulated by the DFSA and appointed to provide investment advisory services to the Trustee.
The Trustee acts in a fiduciary capacity and in the best interests of Plan members.
A supervisory body provides oversight of Plan activities, including those of the Trustee, and considers and protects the interests of members. The supervisory body comprises experts with fiduciary, compliance and investment experience.
JTC Workplace Savings provides a configurable framework that can be shaped around your workforce needs, governance requirements and benefits strategy.
- Plan design: The Plan adheres to DIFC Employment Law and associated regulations, meaning some design aspects are prescriptive. Where you require a different plan design, we can work with you to create a standalone plan outside the main JTC Workplace Savings Plan
- Investment Advisor: If you would prefer to appoint your own investment advisor – for example you have a global relationship – then we can work with you to create a standalone plan, outside the main JTC Workplace Savings Plan
- Investment menu:Â Employees have access to investment options including risk-profiled strategies, self-select funds and Sharia-compliant choices. As an open-architecture platform, JTC has access a wide range of funds allowing us to incorporate your preferred and, if appropriate, in-house funds into the plan design
- Financial education: Financial education sits at the core of JTC Workplace Savings. Alongside a rolling programme of online content, we can tailor our approach to include employer-specific sessions, including in-person educationÂ
- Governance: The Plan has a supervisory body, and our governance processes can be aligned with your organisation’s governance approach. Standalone plans offer additional flexibility on the composition of the supervisory body, which can include an employer’s own internal committee structure
- Reporting: You will have access to our standard reporting suite, with reports that can be customised to your requirements
- Fees: We offer flexibility in how fees are structured. Employers can choose to pay fees while employees remain in service or structure the arrangement to maintain cost neutrality
If you are interested in JTC Workplace Savings, contact our Employer Solutions team at [email protected].
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Insights from JTC Employer Solutions
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Meet the Team
Meet the Team
Insights from JTC Employer Solutions
Talk to Us About Workplace Savings in the DIFC
To learn more about JTC Workplace Savings Plan, contact our team.To find out how JTC Workplace Savings could work for your organisation, speak to our Employer Solutions team.