Emulsifiers suitable for a cream formulation (from the provided ingredient data)

• Cetyl Dimethicone Peg‑7 Acetate – function: EMULSION_STABILISING
• Calcium Potassium Carbomer – function: EMULSION_STABILISING, FILM_FORMING, VISCOSITY_CONTROLLING
• Potassium Carbomer – function: EMULSION_STABILISING, FILM_FORMING, VISCOSITY_CONTROLLING
• Beeswax Polyglyceryl‑3 Esters – function: EMULSION_STABILISING
• Palmitoyl Ethyltrimonium Methosulfate – function: SURFACTANT_EMULSIFYING
• Peg‑7 Propylheptyl Ether – function: EMULSION_STABILISING

These ingredients are explicitly classified with emulsifying or emulsion‑stabilising functions in the retrieved ingredient dataset and can be considered for inclusion in a cream base.

Maximum allowed concentration for Retinol in a face serum (EU)

• Regulation (EC) No 1223/2009 Annex III – “List of Substances Which Cosmetic Products Must Not Contain Except Subject to the Restrictions Laid Down”
  • Product type: other leave‑on products (includes face serums)
  • Maximum concentration in ready‑for‑use preparation: 0.3 % Retinol Equivalent (RE)

The 0.05 % RE limit applies only to body lotions; the higher 0.3 % RE limit is the applicable ceiling for leave‑on facial products such as serums.

Yes – Benzyl Alcohol is restricted in leave‑on cosmetics.

• EU Cosmetics Regulation (EC No 1223/2009) Annex III – For purposes other than inhibiting microbial growth, the ingredient must be declared when its concentration exceeds 0.001 % in leave‑on products. This establishes a regulatory ceiling of 0.001 % for non‑preservative uses.
• Indian BIS Standard IS 4707 (Part 2) – Mirrors the EU limit: the presence must be indicated when the concentration exceeds 0.001 % in leave‑on products.

Thus, in both the EU and India, Benzyl Alcohol cannot be used above 0.001 % in leave‑on formulations unless it is acting as a preservative, in which case the restriction is tied to labeling rather than an outright ban.