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Description

Supplementary Retirement Savings: Structuring Contributions and Planning Payouts

Advise on supplementary retirement savings schemes sub-account by sub-account

  • 1 day — 7 h
  • In-person or virtual
  • Intermediate
  • Up to 6 participants

A supplementary retirement savings scheme brings together sums of very different origins within a single wrapper. Voluntary member contributions, employer end-of-service funding and mandatory contributions do not follow the same rules when the time comes to draw the money, which makes sound advice impossible without clear tracking of each sub-account.

This one-day programme covers the architecture of the schemes available to companies and individuals in the UAE, the trade-offs on contribution levels and vesting at entry, and the treatment of lump-sum or phased income payouts at exit. The seven hours differ from a general overview of financial savings by focusing on early-withdrawal situations and on the transfer of the plan to beneficiaries.

Learning objectives

  • Identify the originating sub-account of each sum held within a supplementary retirement savings scheme
  • Calculate the contribution ceilings and vesting rules applicable to voluntary contributions
  • Weigh up gross versus net-funded contributions according to the member's situation
  • Determine the treatment of a lump-sum or income payout according to the origin of the sums
  • Handle early-withdrawal situations and their financial consequences

What makes this programme different

Each sub-account is tracked from entry to exit on a summary table built during the session
The contribution trade-off at entry is quantified according to the member's residence and marginal tax exposure
The consequences of the member's death on the plan are addressed explicitly

Programme

1Architecture of retirement savings schemes

Position each plan before advising

  • Sub-accounts of individual and corporate supplementary retirement savings schemes
  • Origin of voluntary contributions, employer end-of-service funding and mandatory contributions
  • Transfers between legacy arrangements and current schemes
  • Impact of the originating sub-account on payout options

2Treatment of contributions

Managing funding at entry

  • Deductibility of voluntary contributions where the member's country of residence allows it
  • Individual ceilings and pooling within the household
  • When it is preferable to fund contributions from net income
  • Treatment of sums arising from employee savings and end-of-service entitlements

3Payouts, early withdrawals and transfers

Anticipating the treatment at exit

  • Treatment of a lump-sum payout according to the origin of the sums
  • Regime applicable to a lifetime income or phased drawdown
  • Early-withdrawal situations and their financial consequences
  • Treatment of the plan on the death of the member

Who is it for

Wealth advisers · brokers · employee benefits and corporate protection managers · accountants and human resources managers.

Prerequisites

Familiarity with the general principles of personal income taxation in cross-border situations and with the basic mechanics of employee savings and end-of-service benefits.

Dates & locations

36 scheduled dates between November 2026 and December 2027. Seats are confirmed in the order enquiries are received.

November 2026

December 2026

January 2027

February 2027

March 2027

April 2027

May 2027

June 2027

September 2027

October 2027

November 2027

December 2027

None of these dates suit you? We open additional sessions on request, and any programme can be run privately for your team.

Practical details

Before the programme
Online positioning questionnaire. Your development objectives are shared with the trainer, who tailors the practical case studies to your context.
Teaching methods
Theoretical input, workshops and practical case studies. Digital course materials and method sheets provided.
Assessment
Multiple-choice tests and role-play exercises. Assessment of learning at the start and end of the programme, with immediate and 60-day follow-up evaluations.
After the programme
One year of access to the e-learning platform. Self-assessment of the skills acquired and a 30-day follow-up session with your trainer.
How to register
Registration online or on the basis of a quotation.
Lead time
11 working days after confirmation of registration.
Accessibility
Accessible to people of determination. Contact our accessibility coordinator to design a suitable solution: contact@mpf-academy.ae
Start dates
Rolling intake: in addition to the scheduled sessions, this programme can start on request.