Library · Insights
Insights.
Long reads & monthly letters.
Long-form insights and monthly investor letters from Vault Wealth — the themes shaping global markets and what UAE investors should focus on.
6 piecesAcross 2 topics
October 2026(3)
- InsightWealth planning4 min readEnd-of-Service Benefits in Saudi Arabia: a Plan, Not Just a PayoutThe end-of-service award is often the largest single sum a private-sector employee in Saudi Arabia receives. How Articles 84, 85 and 87 of the Labour Law calculate it, what resignation does to it, a calculator, and how to plan for it before the money arrives.
- InsightWealth planning4 min readRetirement Planning in Saudi Arabia: What GOSI Covers, and the Gap It LeavesThe GOSI pension is a foundation, not a plan. It is calculated on basic wage plus housing allowance, capped at SAR 45,000 a month. How to estimate the gap between your pension and your real spending, and what end-of-service awards, regular saving and zakat each do to close it.
- InsightShariah investing5 min readZakat on Investments in Saudi Arabia: How to Calculate ItZATCA collects zakat from businesses, not from your personal portfolio. How individuals in Saudi Arabia calculate zakat on cash, shares, funds and sukuk, where scholarly methods differ, how Zakaty fits in, and a worksheet to run your own figures.
September 2026(2)
- InsightWealth planningWhat a Family Office Does, and Which Saudi Families Need OneA family office is a business with one client. What it does week to week, what it costs to run as an institution, how the Kingdom's own funds and the world's family offices allocate, and how a Saudi family gets the function through specialised advisory rather than a payroll.
- InsightWealth planning8 min readI Have SAR 375,000. Now What?Ask any chatbot how to invest USD 100,000 and it will optimise against income tax. Saudi Arabia does not levy one. The recurring annual claim here falls on assets instead, which points the whole exercise in a different direction.
August 2026(1)
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