Account Opening Document

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Order Execution Policy

Important Notice and Standard Disclaimer

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Frequently Asked Questions

As an individual investor, you can only qualify as a Professional Client if you meet the following criteria:<ul><li>Have ‘net’ assets of at least $1 million; </li></ul>AND<ul><li>Are currently, or have been, over the last two years, an employee in a relevant professional position of a regulated financial institution;</li></ul>Or,<ul><li>Appear, on reasonable grounds, to have sufficient experience and understanding of relevant financial markets, products or transactions and any associated risks.
</li></ul>Please note: the asset test is based on your net assets, deducting any mortgages or other charges held over the property from the value of the assets. When calculating your net assets, we must exclude the value of the primary residence, if you own it, unless you own more than one home; and, the assets can be directly held by you through legal ownership, or indirectly by beneficial ownership (for example, if you’re a beneficiary in a trust). Due to regulatory requirements, we would need to obtain sufficient evidence on your status as a PC.

How do I qualify for PC status?

A Professional Client ("PC") may generally have access to a wider range of financial products and services. Some financial institutions may not offer certain products and services to persons who are non-PC.To be eligible to be treated as an PC, you must first meet eligibility criteria (please refer to <a target="_self" rel="" class="styles__ATag-sc-13s6wwe-0 iKPPDk" href="https://www.stashaway.ae/faq/how-do-i-qualify-for-pc-status">"How do I qualify for PC Status?"</a>) and you must opt in to be treated as a PC.If you opt in to be treated as a PC, you are regarded as having consented to and understood the following:(1)  You have read, understood, and agreed to the following general warningPCs are assumed to be better informed, and better able to access resources to protect their own interests, and therefore require less regulatory protection. Investors who agree to be treated as PCs, therefore, forgo the benefit of certain regulatory safeguards. For example, issuers of securities are exempted from issuing a full prospectus registered with the Dubai Financial Services Authority with  respect to  offers that are made only to PCs and intermediaries are exempted from a number of business conduct requirements when dealing with PCs. Investors should consult a professional adviser if they do not understand any consequences of being treated as a Professional Client.(2)  You have consented to be  treated as a PC for the purposes of the following regulatory provisions applicable to StashAway's business ("Consent Provisions")We have outlined below a summary of the Consent Provisions and the consequences of your being treated as a PC in relation to such Consent Provisions. These consequences apply to all advice, recommendations, offers, communications or dealings with StashAway, transactions that you carry out on any investment products or policies advised on by StashAway from time to time, including past and future transactions in relation to the same ("Transactions").If you choose to be treated as a PC, this status will apply to all your account(s), investments, holdings, and dealings with StashAway going forward.Please note that it is your right to elect to be treated as a PC. Alternatively, you can choose to be treated as a retail investor instead. If you do not choose to be treated as a PC, please see "<a target="_self" rel="" class="styles__ATag-sc-13s6wwe-0 iKPPDk" href="https://www.stashaway.ae/faq/what-does-it-mean-to-be-a-non-pc">What does it mean to be a non-PC?</a>".

What does it mean to be a Professional Client?

Generally, non-PCs may have access to a limited range of financial products and services as compared to those available to a PC. Some of our products and services may not be available to persons who are non-PC. If you do not choose to opt in as a PC StashAway may not be able to provide financial advice and planning services available to StashAway Reserve clients. There will be no change to your existing account, investments or holdings with StashAway which are available for our general retail clients (if any).

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Professional Clients