Harsha Kotthapalli
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Research · output 3 of 34

Market report: how big this is, and whether you can prove it.

Two numbers built separately: count the buyers from public data, and cut the published category figure down. Sourced from government statistics, registries and industry reports, whichever your market publishes.

Market reportAug 2026

Gulf residents

64.8m
Sourced

Expats

33m
Sourced

In work

16.5m
Mixed

Aged 35–50

5.8m
Assumed

Earning enough to save

1.15m
Assumed
Every expat in the Gulf is owed a lump sum when they leave. In four of the six countries, none of it is invested.

The full output carries the bottom-up build, the deck comparison and the six countries.

See the full output →

The output at a glance · built on WealthKarma

How it gets made

What goes in

Public statistics
Registries and directories
Industry reports
Your buyer filter

Every figure sourced and dated, or marked assumed

What comes out

The sizing model

The report

Change a cell, watch the answer move

How long

1week

start to finish

a few hours of your own time

The output, in full

Built on WealthKarma, a retirement app for Gulf expats. Every count is real and every gap is marked as a gap.

Market reportAug 2026
01 · The market

Retirement saving for salaried expats aged 35 to 50 across the six Gulf states, with no fixed date to leave.

02 · Bottom up

Gulf residents

64.8m
Sourced

Expats

33m
Sourced

In work

16.5m
Mixed

Aged 35–50

5.8m
Assumed

Earning enough to save

1.15m
Assumed

In the UAE alone the same filters give 340,000.

The last two cuts are assumptions. No Gulf state publishes expat income by band.

03 · Against the deck
33m
1.15m

Your deck says 30 million. That is close to right as a headcount, and wrong as a market. Use 1.15 million, and keep 33 million as context.

04 · Who has put the money in a fund

No Gulf state gives expats a pension. All six pay a lump sum on leaving instead.

Bahrain

2024

UAE

2023

Saudi

Qatar

Kuwait

Oman

CompulsoryVoluntarySits on the employer's books
05 · The finding
Every expat in the Gulf is owed a lump sum when they leave. In four of the six countries, none of it is invested.
06 · What can't be known
How many expats earn enough to save. No Gulf state publishes income by band.
How many employers joined the voluntary schemes. Not published.
Whether Saudi or Qatar will follow Bahrain. Both have discussed it.

Where it sits

Research

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Position

Message

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