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StashAway is the intelligent wealth management platform that’s designed to build and protect your wealth, whether that’s $1,000 or $10,000,000.

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Order Execution Policy

Important Notice and Standard Disclaimer

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Frequently Asked Questions

Yes, you can! There is no limit to the number of goals and portfolios you can have in your StashAway account.Do note that once you made a full withdrawal from one of your portfolios, the portfolio. it will be automatically deleted.

Can I have multiple goals?

If you're using the Web Application: Log in to your StashAway account, click on "Your Name" &gt; "Settings" &gt; “Security”If you're using the Mobile Application: Log in to your StashAway account, click on “More” &gt;  "Settings" &gt; “Security”For your security, we will require two-factor authentication.

How do I change my password?

Yes; anyone can open an account with us.

I am not a citizen of UAE; can I open an account?

You can download the StashAway mobile app and explore our features, portfolios, and how you can create or add goals. Alternatively, you can open an account via our StashAway Web Application, click on the “Get Started” button located on the top-right of our website.If you have any questions our support team will be happy to help! You can contact us at <a target="_self" rel="" class="styles__ATag-sc-13s6wwe-0 iKPPDk" href="mailto:support@stashaway.ae">support@stashaway.ae</a> or +971 800 032 0398 from 9am - 6pm on Sunday to Thursday** and 9am - 2pm on Friday to Saturday** **Excluding Public Holidays

How do I get started?

If the transfer was from an account under your name, we will be able to manually link it to your StashAway account. Once we receive it, we will send you a receipt confirmation, either on the same day or the next business day.To avoid this issue for future transfers, kindly add us as a payee and include your unique reference code in Initials/ Message/ Reference/Description/My Name field as part of payee setup.Once this is done, subsequent deposits will reflect your unique reference code. We are then able to link your funds to your StashAway account promptly, expediting the investment process.You can view our transfer instruction by going to your mobile app and clicking Transfer &gt; Put money in&gt; Choose and Edit your deposit Plan &gt; Deposit Instructions.For the web app, you can click the Manage Deposits tab&gt; Choose and Edit your deposit Plan &gt; Deposit Instructions.​Please contact our Client Experience team at support@stashaway.ae if you'd like more info.

What if I forgot to include the unique reference code when I made a deposit?

StashAway chooses the best-in-class ETFs on your behalf. We chose the largest, most liquid, most tradable, and most cost-effective ETFs with the lowest tracking error to the index and a sufficiently long track record. We choose simple ETFs, which means they have no leverage or complex payoffs and have no ETNs to avoid credit risk of issuers. You can read more about our ETF selection criteria <a target="_self" rel="" class="styles__ATag-sc-13s6wwe-0 iKPPDk" href="https://www.stashaway.ae/r/how-stashaway-selects-etfs">here</a> and the list of funds that we use <a target="_self" rel="" class="styles__ATag-sc-13s6wwe-0 iKPPDk" href="https://www.stashaway.ae/r/stashaways-etf-selection">here.</a>

How did StashAway choose the funds that are in my portfolio?

To view the make a withdrawal, log in to your StashAway account ;1) Web AppGo to your name on the right top of your screen &gt; Click on "Withdraw/Transfer" &gt; Click the intended portfolio &gt; Enter your withdrawal amount and click "Continue" to proceed.2) Mobile AppClick "Transfer" on top right of the screen &gt; Choose "Take money out" &gt; Click the intended portfolio &gt; Enter the amount according to your desired withdrawal amount &gt; Select your bank account number and click "Continue" to proceed.​​You will then receive an email confirming your withdrawal request. If you encounter any issues, please feel free to reach out to us at support@stashaway.ae.

How do I withdraw money from my StashAway account?

Typically, the restrictions on employee investments are related to insider dealings or conflicts of interest concerns. Therefore, it is not uncommon for companies to have confidentiality policies to restrict dealing securities in which one has possession of material non-public information concerning such securities, or to require employees to disclose or obtain approval for trades in certain securities.StashAway invests solely in Exchange-traded Funds (ETFs), and deploys a passive management strategy through automated technology to execute trading decisions. Click <a target="_self" rel="" class="styles__ATag-sc-13s6wwe-0 iKPPDk" href="https://www.stashaway.ae/r/stashaways-etf-selection">here</a> to see our ETF selection and <a target="_self" rel="" class="styles__ATag-sc-13s6wwe-0 iKPPDk" href="https://www.stashaway.ae/r/how-stashaway-selects-etfs">here</a> to read more about our ETF selection criteria.It is quite common that ETFs may be excluded from such trading restrictions, on the basis that the employee does not have control over the underlying basket of securities for each ETF. This is, of course, subject to specific company policies, which may differ, and some employers have restrictions on ETFs for particular employees. Therefore, we still recommend that you verify with your control room prior to investing with StashAway.Additionally, we will be happy to provide a signed discretionary letter for customers working in financial institutions to fulfil their compliance requirements.If you have any questions, or need more information, please contact us at <a target="_self" rel="" class="styles__ATag-sc-13s6wwe-0 iKPPDk" href="mailto:support@stashaway.ae">support@stashaway.ae</a>

I work at a bank; can I invest my money with StashAway?

You can deposit money in any currency.General &amp; Goal-based Portfolio: All currencies are accepted <ul><li>AED Deposits (no minimum amount) will have a currency conversion fee from AED to USD charged by our vendor, at 0.08% on the spot rate</li></ul><ul><li>USD Deposits will be directly invested without any conversion</li></ul>NOTE : If you deposit in currencies other than USD or AED, it will be converted to AED at the bank's exchange rate. Then converted to USD at 0.08% charged by our vendor, on the spot rate.

What currency can I deposit in my StashAway account?

If you are a corporate, or an individual with tax liabilities in your country of domicile or citizenship, you can find your tax registration number or tax identification number on your tax returns. However, we understand that not all nationalities, or residents of certain countries (such as, the UAE), have a taxpayer identification.

How do I find my taxpayer identification number?

We accept deposits from any FI, as long as it is not sanctioned by any relevant international body or governments. If you make a deposit from an FI that is not licensed by Dubai Financial Services Authority (DFSA), we may reject the deposit and return the funds to the sender. Please note that all deposits will be subject to our Anti-Money Laundering (AML) checks.

What Financial Institutions (FI) do you accept deposits from?

No minimum deposit amount required and you have the option to deposit in AED or USD.You have full discretion on how much and when you want to invest, including no minimum balance to maintain the account. You may also skip a month or two, resume, and withdraw whenever you wish. All without incurring charges or penalties.

Is there a minimum deposit or fixed amount I need to invest?

General &amp; Goal-Based Investing and Simple™ portfolio take about 1 to 3 business days.The funds will usually be invested that same night (depending on the time of deposit) when the market opens and is reflected in your account the following business day, if not, the following business day.If your funds reach our Citibank Trust account before noon on a business day, it will be linked to your StashAway account on the same day. You will also receive an acknowledgment email from us.Please note that deposits sent from outside of UAE and USD deposits may take longer due to extra verification required by regulations and a longer processing period.

How does my money get invested from the moment I make a deposit?

We ask you explicitly about your risk preferences during the initial financial assessment. Additionally, we give you the option to adjust the risk index for each portfolio as you wish.<div class="VideoPlayer__PlayerWrap-sc-1x47tsz-0 eiwVtK"><div style="width:100%;height:100%"></div></div>

How do you understand my attitude towards risk?

You are free to monitor your portfolios whenever you wish, and we recommend that you do this at least as frequently as you deposit funds.Your Net Asset Value (NAV) is updated every business day. But, since we also monitor your portfolios 24/7 and perform adjustments (such as rebalancing and/or re-optimisation) when necessary, you don't have to check in if you don't want to.

How often should I monitor my portfolios?

Your unique reference code is for linking all of your deposits (to any and all goals) to your StashAway account. Including your reference code in all deposits (one-time or monthly) will expedite this process, allowing us to invest your money more quickly.For detailed instructions on how to set up transfers and where to include your unique reference code, please refer to "Transfer Instructions" under Transfer Information in Transfer page.Your funds will be allocated to your portfolios based on the amount(s) you enter on Deposit Plan in your StashAway account. In the case that we receive an amount different from your deposit plans, we will allocate the funds proportionally based on how much you indicate to go towards each portfolio, first to one-time transfers, then to monthly transfers.

I have multiple portfolios. How should I use my reference code?

There is no lock-in period. You can close your account or withdraw part of your assets at any time.

For how long am I locked into my StashAway account?

Your security is incredibly important to us. As required by the regulatory bodies and authorities, we need to verify your identity, therefore, we require you to upload a copy of your Emirates ID or Passport, as well as a Proof of Residence.If you are transferring from a non-UAE bank account, there will be an additional verification required. Our Client Experience Team will reach out to you accordingly for this.

How does StashAway verify my identity?

Yes, you will still have full access and ownership to your account. Please send us your new ID for our verification and records.

What if my Emirates ID and Passport expires, do I still have access to my account?

The minimum age required to open an account with StashAway is 18 years old, by birth date at the time of account creation.

How old do I have to be to open an account?

Definitely! We suggest that you consult your tax advisor on tax implications before investing.

I'm an American; can I open an account?

The financial knowledge assessment is designed to protect you from unnecessary risk. Depending on the outcome of your assessment, we may cap your risk level and you will not have access to our 3 higher-risk portfolios. In this case, you would only have access to our 9 core portfolios.To access the higher risk portfolios, we highly recommend that you either watch our Investing Basics Presentation in our mobile app (available anytime) or attend our <a target="_self" rel="" class="styles__ATag-sc-13s6wwe-0 iKPPDk" href="https://www.stashaway.ae/academy">Investing Basics Live Webinar (happens every few weeks).</a> They’re both free to watch and the presentation gives you insights into the following:<ul>
<li>Understanding the risk and return relationship</li>
<li>What you should consider before making an investment</li>
<li>Understanding your personal risk appetite and preferences</li>
<li>Why your investment timeline is important</li>
</ul>We also have other <a target="_self" rel="" class="styles__ATag-sc-13s6wwe-0 iKPPDk" href="https://www.stashaway.ae/academy">courses</a> you can watch that will help you better understand your financial and investment plan.Once done, do let email our Client Experience Team at support@stashaway.ae and we will be able to open up all risk levels for you.<div class="VideoPlayer__PlayerWrap-sc-1x47tsz-0 eiwVtK"><div style="width:100%;height:100%"></div></div>

How does the outcome of the financial assessment affect my portfolio risk settings?

The funds will be reflected in your StashAway account within 1 to 2 business days. Kindly note that non-local bank transfers may take longer due to extra verification measures. Once we have received your deposit and linked it to your StashAway account, you will receive a receipt confirmation email from us.Thereafter, you can expect to see your funds invested when the US market opens within 1 to 2 business days.Kindly note that we will first convert 99% of your cash from AED to USD (at spot rate + 0.08% charged by our vendor) and then invest this sum in the ETFs according to your portfolio allocation. The remaining 1% of your funds remain in USD cash for management fees and rebalancing purposes.

I've set up my transfers, now what?

For security purposes, we limit one account per person. However, you can have multiple portfolios and goals in a single account.

Can I open multiple accounts?

During the account opening process, we ask questions about your preferences to gain an understanding of your current financial situation. In the financial assessment that customers are required to complete before opening an account, we ask about risk preferences, goals, current financial situations, and investment experience. We use this information to make recommendations for you. For example, based on the information you provided when filling out your profile, our algorithm may cap your risk limit.<div class="VideoPlayer__PlayerWrap-sc-1x47tsz-0 eiwVtK"><div style="width:100%;height:100%"></div></div>

How is my portfolio personalised for me?

Yes, you can withdraw at any time and any preferred amount.

You can do so through:1) Web AppGo to your name on the right top of your screen &gt; click on "Withdraw/Transfer" &gt; click the intended portfolio &gt; adjust the slider according to your desired withdrawal amount and click "Continue" to proceed.​​2) Mobile AppClick the "More" at the bottom of your right hand corner &gt; select "Transfer" and choose "Take money out" &gt; click the intended portfolio &gt; enter the amount according to your desired withdrawal amount &gt; select your bank account number and click "Continue" to proceed.​​

Can I withdraw at any time?

Yes, you will need to complete a financial assessment with StashAway.The results are used by our algorithm to determine and design the most appropriate personalised portfolio for you.

If I have already completed a Customer Knowledge Assessment (CKA) at another institution, do I need to complete it again at StashAway?

You can expect the withdrawal process to take approximately 2 to 3 business days from the Global Portfolio and 3 to 4 business days from the Simple™ portfolio. First, we will sell the securities on your behalf. Then, we will wire the money from our trust account to your bank account.If you are withdrawing to an international bank account outside of UAE, this may take longer and your bank may charge you conversion fees. Additionally, your bank may also charge you fees for receiving overseas telegraphic transfers - this fee varies from bank to bank and will be deducted automatically by your bank from the received amount. Kindly check with your bank for any fees they may charge.

When will my withdrawn funds from StashAway appear in my bank account?

Yes; you can stop and resume anytime you wish. You are never bound to deposit plans, and will never be charged a fee for changing your deposit plans.

Can I stop sending deposits for a few months and resume investments after?

Depending on which bank you are transferring from, the instructions could vary. We’ve included the transfer instructions in your StashAway account. Steps for both Web and Mobile ApplicationStep 1: “Select “Manage Deposits” (top panel)" for Web app or in the mobile app, click "Transfer” (top-right)Select “One-Time” or “Monthly” Deposit PlanStep 3: Update your deposit plan and choose your desired transfer methodStep 4: Click “Continue” then “Confirm”

How do I deposit funds into my StashAway account?

Your unique reference code can be found on the “Transfer” page for the Mobile Application and under “Manage Deposits” tab when you log in via a Web Application. A copy of the transfer instructions is also available.

Where can I find my unique reference code?

If you're using the Web ApplicationTo make changes to your goal(s), kindly log into your account and click the "Investments" tab &gt; click on "Goals" tab &gt; click on the investment goal you would like to change &gt; go to the "Portfolio" tab &gt; click "Adjust Risk".If you're using the Mobile ApplicationTo make changes to your goal(s), kindly log into your account and click "Home" tab &gt; "Your portfolios" &gt; click on "&gt;" arrow next to your investment goal(s)&gt; click "Assets" tab &gt; click "Adjust Risk".

How do I make changes to my Investment Goals?

To see your portfolio details, log in to your StashAway account, and select the portfolio you wish to see. There, you will be able to see your asset allocation, the ETFs in which we invest, your deposit plan, and your risk settings. You can also edit these settings at any time.

Where can I see my portfolio details?

Your personal information is collected primarily for the purposes of verifying your identity, customizing your investments (through understanding your investment knowledge, experience and needs) and meeting the requirements of all applicable laws and regulations including those pertaining to anti-money laundering and taxation.You may refer to our <a target="_self" rel="" class="styles__ATag-sc-13s6wwe-0 iKPPDk" href="https://www.stashaway.ae/legal/privacy-policy">Privacy Policy</a> for more information.

Why do you need to collect my personal information?

We will automatically allocate the funds to the one-time deposits (if any) first, followed by the monthly deposits based on the monthly deposit amounts you indicate to us in each of your portfolios. In the case that we receive an amount different from your deposit plans, we will allocate the funds proportionally based on how much you indicate to go towards each portfolio. So, if one portfolio has monthly deposits of $1,000, and another has $2,000, we will allocate any funds we get in a 1 to 2 ratio.

How does my money get allocated if I have multiple portfolios?

For identity verification purpose, two documents will be required;<ol>
<li>Emirates Identification card (Front and Back) or Passport (minimum validity of 6 months)</li>
<li>Proof of residence in form of utility bill/ rental contract/ internet or phone bill/ bank statement dated within 3 months</li>
</ol>

What document would I need to open an account?

Not at the moment but it is in the pipeline. In the meantime, we accept deposits from joint bank accounts.

Can I open a joint account?

Understanding your risk profile will guide our algorithms towards building a portfolio composition that best fits your preferences and reaches your goals.

Why do you need to assess my risk profile?

Your bank may take some time to process the deposit request before the transfer reaches us. For example, interbank transfers may take up to 1 to 2 business days.

Why do transfers not happen immediately?

If you're using the Web Application: Log in to your StashAway account, click on "Your Name" &gt; "Settings" &gt; "Bank accounts" If you're using the Mobile Application: Log in to your StashAway account, click on “More” &gt;  "Settings" &gt;  "Bank accounts"

How do I change the bank details linked to my account?

Yes, you can! To make a transfer between portfolios:1) Web ApplicationOn the top right of your screen, click on "Your Name" &gt; select “Withdraw/Transfer” &gt; click to “Want to transfer funds from one portfolio to another” &gt; from there, select which portfolio to transfer from and to and enter the amount &gt; click “Continue” and “Confirm” to complete the transfer.2) Mobile ApplicationOn the main page, click “Transfer” &gt; Under Within StashAway, select “Transfer Money” &gt; select which portfolio to transfer from and to and enter the amount &gt; click “Continue” and “Confirm” to complete the transfer. The timelines are as below:General/ Goal-Based Investing portfolio transfer to General/ Goal-Based Investing portfolio takes up to 1-2 business days.General/ Goal-Based Investing portfolio transfer to Simple™ portfolio takes up to 3-4 business days.StashAway Simple™ portfolio transfer to General/ Goal-Based Investing portfolio take up to 4-5 business days.

Can I transfer funds from one goal to another?

<span data-sheets-value='{"1":2,"2":"Yes, you will still have full access and ownership to your account. Please send us your new ID for our verification and records."}' data-sheets-userformat='{"2":769,"3":[null,0],"11":4,"12":0}'>Yes, you will still have full access and ownership to your account. Please<span data-sheets-value='{"1":2,"2":"Yes, you will still have full access and ownership to your account. Please send us your new ID for our verification and records."}' data-sheets-userformat='{"2":769,"3":[null,0],"11":4,"12":0}'> send us your new ID for our verification and records.

What if my EP, LTVP, etc. expires, do I still have access to my account?

Frequently asked questions about opening an account and the app

Getting Started

What does it mean to be a Professional Client?

Professional Clients

General questions about how StashAway works

General Questions

Questions about our portfolios and investment framework

Investments

Questions about our General Investing and Goal-based portfolios

General & Goal-based Investing

Questions about our cash management portfolio

StashAway Simple™

Fees

Questions relating to capital gains and dividend taxes on your portfolios