# 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: 2026-10-04

## 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
- [Best Fixed Deposit Rates in UAE 2026](https://www.stashaway.ae/r/best-fixed-deposit-rates-uae): Explore the best fixed deposit rates in the UAE for Oct 2026 to maximize your savings. Learn how to choose the right FD for higher returns and financial stability.
- [Best Savings Accounts in the UAE \(2026\): Highest Interest Rates Compared](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.
- [General Investing Powered by BlackRock® – September 2026 Re-optimisation](https://www.stashaway.ae/r/general-investing-blackrock-reoptimisation-sep-2026): Our General Investing portfolios powered by BlackRock® have been reoptimised – with analysis and guidance from BlackRock®.
- [CIO Insights: Three forces behind higher bond yields](https://www.stashaway.ae/r/cio-insights-forces-behind-higher-bond-yields): How the Fed, fiscal pressure, and AI are reshaping long-term rates – and what that means for investors
- [Best Private Banks in Dubai and the UAE for Wealth Management in 2026](https://www.stashaway.ae/r/best-private-banks-dubai-uae): Private banking in the UAE combines banking, credit and investment management for wealthy clients. Compare minimums, regulators and services across 10 banks.
- [CIO Insights: Raise your odds of making millions](https://www.stashaway.ae/r/cio-insights-raise-odds-making-millions): Here's how to increase your chances of making millions
- [Best Credit Cards With No Foreign Transaction Fees in the UAE \[2026\]](https://www.stashaway.ae/r/best-credit-cards-no-foreign-transaction-fees-uae): A no foreign transaction fee credit card waives some or all of the extra cost of spending abroad. Compare the best zero-FX credit cards in the UAE by fees, salary, rewards and total foreign-spend cost.
- [Dubai Visa Types 2026: Tourist, Golden, Green, Virtual Work, Retirement and Blue Visas Explained](https://www.stashaway.ae/r/dubai-visa-types): A Dubai visa determines how long you can stay and what you can do here. Compare eligibility and fees for tourist, Golden, Green, Retirement and Blue visas.
- [How to Invest in Silver in the UAE in August 2026: Physical, Stocks, ETFs and Key Risks](https://www.stashaway.ae/r/invest-silver-uae): Silver blends precious-metal demand with heavy industrial use, and prices can swing sharply. Compare bullion, ETFs, stocks, UAE accounts and key risks.
- [What Is an IPO? How IPO Investing Works in the UAE \(2026\)](https://www.stashaway.ae/r/what-is-an-ipo-uae): An IPO is a company's first sale of shares to the public. Learn how UAE IPO pricing, subscription and allotment work, and how to invest before or after listing.
- [How to invest in the S&P 500 in the UAE \[2026\]](https://www.stashaway.ae/r/how-to-invest-sp-500-uae): The S&P 500 tracks 500 leading US companies. Learn how to invest from the UAE in 2026, compare ETFs, brokers, fees, taxes, and Shariah options.
- [Best Financial Advisors and Wealth Management Firms in the UAE \(2026\)](https://www.stashaway.ae/r/financial-advisors-wealth-management-uae): Wealth management in the UAE covers financial advice, portfolio management and private banking. Compare 14 regulated providers, fees and minimums for 2026.
- [Best ETFs and Index Funds to Buy in the UAE: How to Invest in 2026](https://www.stashaway.ae/r/best-etfs-index-funds-uae): ETFs let UAE investors build a globally diversified portfolio with just a few well-chosen funds. Compare the best core and satellite ETFs by cost, domicile, tax treatment and portfolio role.
- [Best Digital Banks in the UAE: Compare Accounts & Rates \[2026\]](https://www.stashaway.ae/r/uae-digital-banks): Digital banks in the UAE include licensed banks such as Wio, Mbank and ruya, plus brands like Liv and Mashreq NEO. Compare 2026 rates, fees and account requirements.
- [Freelance Visa Dubai: How It Works, Costs and How to Apply \[2026\]](https://www.stashaway.ae/r/freelance-visa-dubai): A Dubai freelance visa combines a freelance permit or licence with UAE residence. Compare 2026 GoFreelance, Green Residence and Virtual Work costs, requirements and application steps.
- [CIO Insights: How do you make millions? Give it time.](https://www.stashaway.ae/r/cio-insights-make-millions-give-it-time): We show exactly how time in the market beats timing the market
- [Mortgage & Home Loan Rates in Dubai & the UAE: Compare Every Bank](https://www.stashaway.ae/r/mortgage-home-loan-rates-dubai-uae): Explore and compare mortgage and home loan rates in Dubai and the UAE for 2026. Find the best interest rates, banks, and investment tips for your home buying journey.
- [Best Short-Term Investment Options in the UAE](https://www.stashaway.ae/r/short-term-investment-uae): Discover the best short-term investment options in UAE for high returns in 2026. Learn where to invest money in UAE, investment plans, and safe investment options in Dubai.
- [Long-Term vs. Short-Term Investing: How to Split Your Money](https://www.stashaway.ae/r/long-term-versus-short-term-investments): Should you invest long-term or short-term? Compare the tradeoffs and see how to split your money between both based on your goals and timeline.