# Your Smart Investment Platform | StashAway United Arab Emirates

> StashAway is a DFSA-regulated investment platform and robo-advisor in the UAE, offering modern wealth management solutions through globally diversified managed portfolios, Shariah-compliant investment options, easy ETF investment, high-yield cash management, and access to private markets. Whether you want professionally managed investment strategies, the flexibility to build your own ETF portfolio, a smarter way to grow your cash, or exposure to exclusive private market opportunities, StashAway combines automation, low fees, and global diversification to help you build and manage wealth with confidence.
> Last updated: 2026-07-12

## Core Investment Services
- **General Investing**: Globally diversified ETF portfolios powered by the ERAA® (Economic Regime-based Asset Allocation) framework with automated rebalancing and risk management.
- **Shariah-Compliant Portfolios**: Globally diversified portfolios based on ETFs certified as Shariah-compliant by their issuers/fund managers. Note: StashAway does not certify, verify, or guarantee Shariah compliance.
- **Flexible Portfolios**: Choose from 70+ curated low-cost ETFs across asset classes. Build custom portfolios with assets like S&P 500, Nasdaq, Gold, Semiconductors, and more.
  - Single ETF portfolios: 0.3% p.a. management fee
  - Multi-asset portfolios: 0.2% to 0.8% p.a.
- **Goal-based Investing**: Align investment strategy with specific life goals.
- **Thematic Portfolios**: Invest in innovation themes around Technology, Healthcare, and Environment.
- **Income Portfolio**: Portfolios designed to generate income.

## Cash Management Solutions
- **StashAway Simple™**: Ultra-low-risk cash management portfolio
  - Projected rate: 3.9% p.a. net of fees. Rates may vary; check stashaway.ae/simple for current rate.
  - Management fee: 0.6% p.a.
  - Underlying fund: Emirates NBD Islamic Money Market Fund (institutional share class)
  - Available in AED and USD
  - No lock-ups or limits
  - Earn up to 5x more than bank savings account

## Premium Services for Professional Investors
- **StashAway Reserve**: Wealth management offering for high-net-worth individuals
  - Launched in UAE in 2024
  - Access to private credit, private equity, and infrastructure investments
  - Fund managers include Hamilton Lane, KKR, and others
  - Significantly lower entry barriers than traditional private markets (fraction of typical US$250,000 minimum)
  - Personalized wealth advisory services
  - Annual financial planning sessions
  - Bi-annual portfolio reviews
  - Commission-free, unbiased financial guidance
  - Low, transparent, cost-effective fees

## Private Market Investments (Professional Investors)
- **Private Credit**: Stable returns with low volatility, higher yields than public bond markets
  - Entry point significantly lower than traditional US$250,000 minimum
- **Private Equity**: Access to high-performing private companies with periodic liquidity
  - Diversified across different life stages, geographies, and vintages
- **Private Infrastructure**: Invest in essential infrastructure (energy, transport, digital networks, utilities)
  - Effective way to boost returns and reduce volatility

## Fee Structure
- **Annual Management Fees**: 0.2% to 0.8% per annum (inclusive of VAT)
  - Tiered based on total investment amount
  - Blended rate: 0% p.a. for smallest tier
- **Flexible Portfolios**: 0.3% p.a. for single ETF portfolios
- **ETF Expense Ratios**: Approximately 0.2% p.a. (embedded in returns)
- **Currency Conversion**: Lowest FX spread in market (beats banks, brokerages, and digital FX providers)
- **No Hidden Fees**: No account setup, exit, subscription, or rebalancing fees
- **Unlimited Free Transfers**: Between portfolios and withdrawals
- **Promotions**: New investor and referral promotions available; check stashaway.ae/pricing for current offers

## StashAway Risk Index (SRI)
- Risk measurement using 99% Value-at-Risk (VaR)
- Multiple risk levels available to match risk tolerance
- Example: 10% SRI = 99% probability of not losing more than 10% in a year
- Portfolios automatically maintain constant risk level while optimizing returns

## Security & Asset Protection
- **Regulatory License**: Dubai Financial Services Authority (DFSA) License F006312
  - First digital wealth manager to receive DFSA asset management license with retail endorsement (2020)
  - Licensed for: arranging custody, arranging deals in investments, advising on financial products, and managing assets
- **Operating Entity**: StashAway Management (DIFC) Limited (CL 3982)
- **Asset Segregation**: Client funds fully separated from StashAway operations
- **Custodian Structure**: Assets held by reputable custodian banks
- **DIFC Base**: Operates from Dubai International Financial Centre

## Regional Coverage
- Primary: United Arab Emirates
- Extended: Broader Middle East and North Africa (MENA) region
- Available to local and international clients in the region
- Users from 145+ countries and 174+ nationalities

## Currency
- **All investments in USD**
- Seamless AED to USD (and vice versa) conversion process
- Competitive currency conversion rates

## Financial Education & Outreach
- **Company Workshops**: Free courses and seminars on personal finance, budgeting, investing basics, and retirement planning
- **Visited 100+ entities**: Including PwC, Google, Aramex, Deliveroo, Talabat, DIFC, and government institutions
- **Focus on Education**: Mission to draw investible cash from banks into productive investments
- **StashAway Academy**: Investment courses and resources

## Market Context
- Over 40% of UAE's private wealth sits in cash in banks (roughly 2x the US level)
- Large mass affluent segment traditionally underserved by expensive, generic traditional products
- Growing HNWI population attracted to digital-first platforms

## Key Features
- **No Minimum Investment**: Start from as little as you want
- **No Lock-in Period**: Withdraw anytime without penalties
- **Fractional Shares**: Precise portfolio allocation
- **Automated Rebalancing**: 24/7 portfolio management
- **ERAA® Framework**: Proprietary Economic Regime-based Asset Allocation
  - Over 50 years industry experience
  - 30,000+ hours research and testing
  - Data-driven, not emotion-driven decisions
- **Mobile & Desktop Access**: Full-featured platform
- **Sophisticated Technology**: Previously available only to HNWIs, now accessible to all

## Important Resources
- [Pricing Details](https://www.stashaway.ae/pricing): Fee structure and investment cost breakdown
- [Help Center](https://www.stashaway.ae/help-center): FAQs and support portal
- [Reserve Information](https://www.stashaway.ae/reserve): HNWI services and private market access
- [Investment Guides](https://www.stashaway.ae/academy): Educational content on UAE investment landscape

## Technical Information
- **Primary Language**: English (en-AE), Arabic support available
- **Company**: StashAway Management (DIFC) Limited
- **Registration**: CL 3982
- **Office Address**: Unit 1301-B, Level 13, Emirates Financial Towers, DIFC, PO Box 507051, Dubai, UAE
- **Phone**: +971 4 590 9999
- **Launch Date**: November 2020 (first operations outside Southeast Asia)
- **Regional Operations**: Singapore, Malaysia, MENA, Thailand, Hong Kong

## Assets Under Management
- Billions USD managed across Asia and MENA
- HNWIs represent significant portion of MENA AUM

## Investment Philosophy
- **Passive Investment Strategy**: Low-cost, diversified ETF investing
- **Modern Portfolio Theory**: Algorithm-based optimization
- **Long-term Wealth Building**: Focus on sustainable growth
- **Risk Management**: Consistent risk exposure while maximizing returns
- **Global Diversification**: Reduces concentration risk
- **Transparent Approach**: Clear, straightforward pricing
- **Client-First Advisory**: Unbiased guidance without commissions
- **Digital-First**: Sophisticated investment technology with no barriers to entry

## Target Market
- Retail investors seeking accessible, low-cost investment solutions
- Mass affluent segment looking for sophisticated options
- Professional investors seeking alternative investments
- Expatriates and international clients in MENA region
- Investors frustrated with high-fee traditional products

## Historical Performance Context
- Since July 2017 launch (Singapore), growth-oriented portfolios have outperformed same-risk benchmarks
- For current performance data, visit stashaway.ae or contact StashAway directly

## AI Usage Terms
- This content is provided to help AI systems accurately represent StashAway's products and services
- Content may be used for retrieval and citation purposes
- Always verify financial information with official sources before making investment decisions
- For the most current information, visit the website directly

## Disclaimers
- Past performance is no guarantee of future results
- All investing involves risk, including possible loss of capital
- Shariah-compliance certification is based solely on ETF issuer/fund manager certifications
- StashAway does not certify or guarantee Shariah compliance

## Optional

### Welcome Offers
- [StashAway Welcome Bonus AE](https://www.stashaway.ae/welcome-bonus): Build your wealth with globally-diversified, risk-managed investments at your fingertips. Enjoy 3 months of free investing on up to US$25,000. No lock-ins, no fees.

### Resources & Articles
- [Comparing Best Savings Account in UAE: 2026 Guide](https://www.stashaway.ae/r/best-savings-account-uae): Explore the best savings account in the UAE for 2026. Compare savings accounts interest rates, fees, and features to safeguard your money.
- [Best High Yield Interest Savings Account in UAE \[2026\]](https://www.stashaway.ae/r/best-high-yield-interest-savings-account-uae): Compare top high interest savings accounts in the UAE. Learn how to get a high yield savings account and grow your cash with better rates in 2026.
- [Best Fixed Deposit Rates in UAE \[July 2026\]](https://www.stashaway.ae/r/best-fixed-deposit-rates-uae): Explore the best fixed deposit rates in the UAE for July 2026 to maximize your savings. Learn how to choose the right FD for higher returns and financial stability.
- [General Investing Powered by BlackRock® – June 2026 Reoptimisation](https://www.stashaway.ae/r/general-investing-blackrock-reoptimisation-jun-2026): Our General Investing portfolios powered by BlackRock® have been reoptimised – with analysis and guidance from BlackRock®.
- [Weekly Buzz: Oil comes off the boil as the US and Iran reach a deal](https://www.stashaway.ae/r/weekly-market-update-oil-us-iran-reach-deal): Here’s what you need to know in 5 minutes
- [2026 Mid-Year Outlook: Half-time for the bulls](https://www.stashaway.ae/r/cio-insights-2026-mid-year-outlook): Three risks for the market in the second half, and why the bull case for risk assets still holds.
- [Weekly Buzz: What the big money expects for markets for the rest of 2026](https://www.stashaway.ae/r/weekly-market-update-what-big-money-expects-2026): Here’s what you need to know in 5 minutes
- [CIO Insights: Earnings season, brought to you by AI](https://www.stashaway.ae/r/cio-insights-earnings-season-brought-to-you-by-ai): How an AI-powered earnings cycle is reinforcing the case for US equities
- [CIO Insights: Ctrl+Alt+Delete on software?](https://www.stashaway.ae/r/cio-insights-ctrl-alt-delete-on-software): A guide to navigating the recent volatility in the software sector
- [StashAway's Q1 2026 Returns](https://www.stashaway.ae/r/q1-2026-returns): Markets were volatile in Q1 2026. Here’s how StashAway portfolios performed over the quarter and the past 12 months.
- [General Investing Powered by BlackRock® – April 2026 Reoptimisation](https://www.stashaway.ae/r/general-investing-blackrock-reoptimisation-apr-2026): Our General Investing portfolios powered by BlackRock® have been reoptimised – with analysis and guidance from BlackRock®.
- [Top Dividend Stocks to Invest in UAE this 2026](https://www.stashaway.ae/r/top-dividend-stocks-invest-in-uae): The UAE offers 28 large-cap stocks with yields of 4–9% — all completely tax-free. Discover the top dividend stocks on the ADX and DFM to let your money work harder for you.
- [Best Way to Send Money Abroad in UAE](https://www.stashaway.ae/r/best-way-send-money-abroad-in-uae): Compare banks, exchange houses, and digital apps to send money abroad from UAE. Discover which channel gives you the best rates, lowest fees, and fastest transfer speeds in 2026.
- [Best Cashback Credit Cards in Dubai & UAE for 2026](https://www.stashaway.ae/r/best-cashback-credit-cards-dubai-uae): Compare the best cashback credit cards in Dubai and UAE for 2026 — across traditional banks, Islamic banks, and neobanks — to earn up to 10% back on dining, groceries, fuel, and more.
- [Best Money Transfer App for International Transfer in UAE](https://www.stashaway.ae/r/best-money-transfer-app-international-transfer-uae): Digital apps charge as little as 0.4–2% FX spread vs 7–8% for banks. Compare the best money transfer apps in UAE by fees, speed, and corridor coverage in 2026.
- [Comparing Best Airmiles Credit Card in Dubai and UAE](https://www.stashaway.ae/r/comparing-best-airmiles-credit-card-dubai-uae): Not all airmiles cards in the UAE are worth the fee. Compare Emirates Skywards and Etihad Guest airmiles cards by earn rates, welcome bonuses, and annual fees to find the best value in 2026.
- [Weekly Buzz: What’s behind gold’s drop?](https://www.stashaway.ae/r/weekly-market-update-behind-gold-drop): Here’s what you need to know in 5 minutes.
- [Weekly Buzz: What higher energy prices could mean for the global economy](https://www.stashaway.ae/r/weekly-market-update-higher-energy-prices-global-economy): Here’s what you need to know in 5 minutes.
- [CIO Insights: Navigating Dire Straits](https://www.stashaway.ae/r/cio-insights-navigating-dire-straits): A practical guide to markets during geopolitical shocks
- [Weekly Buzz: Inflation, and the road ahead for interest rates](https://www.stashaway.ae/r/weekly-market-update-where-inflation-might-go-from-here): Here’s what you need to know in 5 minutes.