Riyadh - Sharikat Mubasher: Madkhol Financial, a leading Saudi provider of robo-advisory investment solutions, launched its new program, Ratibi+, during the Money 20/20 Middle East Conference.

The company announced in a statement today that the program combines savings with investment to strengthen employee loyalty and create a more stable work environment.

This innovative program is designed on the principle of investment partnership between the employee and the employer. A portion of the employee’s salary will be deducted and invested in a managed portfolio, while the company will add a matching contribution tied to a vesting period defined by its policies.

This mechanism allows employees to build an additional retirement income, while giving companies a practical tool to enhance loyalty and reduce turnover.

Commenting on this milestone, Co-founder and CEO, Saad Al-Atiyan, said: “Ratibi+ is not just a savings plan, it is a true partnership between the company and its employees. We are redefining the employer-employee relationship by linking salaries to smart investment, creating value for both sides. We are confident this program will help foster a more stable work environment and promote a culture of saving and investing in line with Saudi Vision 2030.”

Moreover, Ratibi+ targets encouraging long-term investment habits among employees, while enabling companies to retain top talent and reduce attrition, in alignment with Vision 2030’s goals.