How to Invest in the UAE to Make Your Money Grow Wisely

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Well, it’s true that saving money remains a top priority amongst the majority of the UAE’s residents. But unfortunately, only a few people are capable of keeping a huge portion of their monthly income aside in order to fulfill their various financial goals in life or to just to secure retirement.

According to a survey, 38% of people who are living in the UAE can save only 10% of their monthly income whereas only less than a quarter (23%) manages to leave only 10%-25% of their monthly income untouched. And 28%, nearly 3 out of 10 people are not saving money at all.

If the majority of the people earn below 10,000 AED in a month that simply means most of the people are hardly manage to spare below 1000AED or nothing at all.

But financial experts say those people who are determined to build their income shouldn’t despair, because no matter how small the savings they make on a monthly basis, be it 100 AED, 250AED, or 1000 AED, they can still see their money grow. The main key is not to stash that unspent income in a piggybank or 0-interest bank account. Instead of that, you should invest your hard-money in the right place in order to avail good returns out of it.

Best Investment Options in the UAE

Well, there are several UAE investment opportunities to choose from. Some of them are traditional investments that have been widely used across many generations, while some of the options are new that have become famous in the last few years. Here are some popular investment options available in the UAE.


Stocks, also known as company shares, are amongst the best investment in UAE for expats as well as emiratis. When you purchase a company’s stock, you purchase ownership in that particular company that enables you to participate in the growth of the company. Stocks are basically offered by those companies which are publicly listed on stock exchanges and can be purchased by any investor in the market. While stocks are long-term investment options, you should not consider investing in stocks equal to stock market trading. This is because of latter in most speculative nature.

Exchange-Traded Funds

Exchange-traded funds (ETFs) can be bought at an affordable price via a broker and the good thing is that the investor can easily invest as many shares as he/she likes.

Basically, ETFs utilize pooled money from a bunch of people to obtain a varied portfolio which may include bonds, stocks, and commodities. ETFs are traded like stocks and offer good returns that is why ETF is known as high return investment in UAE.

Mutual Funds

If you do not have enough time to do thorough research to choose the best ETFs, stocks or any other investment options to save your hard-earned money, then investing in mutual funds definitely makes sense.

By opting for this investment option, you can avail benefit from the expertise of a fund manager, who do the work on behalf of you like choosing the best securities, bonds, or stocks that could make your money grow in the best possible manner. The best thing about mutual funds is that you do not require hundreds of thousands of AED to start investing in it. You can start investing in mutual funds as per your budget and convenience. Also, mutual funds are flexible investment options wherein you can start & stop investing whenever you feel like. Considering all these points, we can say that mutual funds are indeed a safe investment with high returns in UAE.


Gold is considered as a great store of wealth. Most of the financial experts recommend that keeping aside 5% of the money for this precious metal is good in order to avoid getting your savings affected by inflation.

Well, gold is a commonly held asset in varied portfolios because this yellow metal can be utilized to hedge against inflation. It is a safe haven and the most important thing is that it does well especially when equities don’t perform well. Thus, gold is a safe investment with high returns in UAE for everyone.

Bottom Line

Although there are several other investment options available in the market, all the above-mentioned are some of the best UAE investment opportunities. So, invest your hard-earned money smartly in order to avail good returns out of it. Also, it is quite imperative to keep your investment growing so just aim to save more and more and invest your money wisely.

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