Best ADCB Investment Plans in UAE 2026

About ADCB (Abu Dhabi Commercial Bank)

Established in 1985, Abu Dhabi Commercial Bank offers a variety of long and short-term investment opportunities for its customers to help them to achieve their financial goals and grow their savings. With the bank’s extensive network of brokers and partners, you can find the best-fit investment option in UAE based on your financial preferences in no time.

ADCB’s commitment to innovation, strategic risk management, and customer-centric solutions has made it one of the reliable names in banking and investing across the UAE and wider GCC region

ADCB Investment at a Glance: Key Specifications

Types of ADCB Investment Plans

Abu Dhabi Commercial bank offers a broad range of investment plans that you can apply for based on your financial convenience. The best part about the ADCB investment products is that you can customise them based on your needs, budget and risk appetite.

Here is a list of the best Abu Dhabi Commercial Bank investment plans that you can choose from and start growing your money with the least risk factor.

What ADCB Investment Plans Cover?

• ADCB Managed Funds: Actively managed, low-cost, long-term funds driven by ADCB’s house view, with strong UAE + global market expertise.
• Trading Securities: Execution-only, conflict-free trading access to fixed income (secondary + OTC), without proprietary trading bias.
• Mutual Funds (Third-party & Proprietary): Wide global diversification across asset classes, regions, and strategies, all SCA-approved for UAE promotion.
• Structured Products: Capital-protected, bespoke instruments (income or growth-oriented), suited for medium to long-term investors who can hold till maturity.
• ADCB UAE Funds Platform: A full asset management ecosystem focused on innovation, ESG, global insights, and comprehensive investor support.

ADCB Managed Funds

Abu Dhabi Commercial Bank creates and operates its funds through ADCB Asset Management Limited (ADCBAM), a regulated asset manager under ADGM and FSRA. These funds are actively managed using ADCB’s in-house market views and long-term asset allocation strategies.

Key Features of ADCB Investment Funds

• Actively managed with professional portfolio oversight
• Low-cost structure compared to global peers
• Long-term investment approach focused on sustainable growth
• Regular portfolio rebalancing
• Incorporates ADCB’s proprietary House View on markets

Here is a list of some top-performing ADCB Managed Funds, highlighting recent returns, risk level, and fund type —

DCB Managed Funds Overview

These funds combine strong UAE market expertise with global investment exposure. This makes them suitable for investors seeking disciplined, professionally managed portfolios.

Note: Fund performance may vary based on market conditions. Past performance does not guarantee future returns.

*SRRI (Synthetic Risk and Reward Indicator):

• 1–3: Low risk (more stable, lower volatility)
• 4–5: Moderate risk (balanced growth)
• 6–7: High risk (equity-heavy, volatile)

Example:

• ADCB Global Sukuk Fund (SRRI 3) suits conservative investors
• ADCB UAE Equity Fund (SRRI 6) suits growth-focused investors

ADCB Select

Select platform is one of the ADCB investment products that offers a curated list of ETFs and Mutual Funds. The best part is that the platform caters to the needs of individuals coming from all income levels. Additionally,  ADCB Select products are regularly operated and updated by the ADCB Asset Management team.

Trading Securities

Abu Dhabi Commercial Bank trading desk acts as a connection gateway between sellers and buyers of securities. With no specific proprietary book, the bank’s trading service provides investors with complete access to a countless number of trading opportunities. ADCB wealth management services give you access to a majority of fixed income opportunities in over-the-counter and other markets. 

Why Do ADCB Trading Securities Stand Out?

• Access to fixed-income securities in secondary and OTC markets
• No need to open additional market-specific accounts
• Execution via ADCB’s extensive broker and custodian network
• Suitable for sophisticated investors seeking direct market exposure

Mutual Funds

Abu Dhabi Commercial Bank Wealth Management Services offer access to a broad range of third-party mutual funds, including commodities, hedge funds, fixed-income funds, balanced funds, real estate, and other emerging markets. These funds are highly customisable and offer decent returns on your investment.

All mutual funds promoted by ADCB are approved by the UAE Securities and Commodities Authority (SCA).

What You Can Invest In?

• Equity funds (developed & emerging markets)
• Fixed income and bond funds
• Commodities and real estate funds
• Balanced and multi-asset funds
• Hedge fund-linked structures (for eligible investors)

This makes an ADCB SIP investment account suitable for investors seeking global diversification without managing investments independently.

Systematic Investment Plan

ADCB Systematic Investment Plan is one of the most preferred investment plans offered by the bank. With these plans, you can make the best financial decisions by simply investing the same amount on a regular periodic basis for better returns. These regular investments help you take advantage of market movements over the term of your SIPs. You can apply for an ADCB Systematic Investment Plan by sending an SMS ‘SIP’ to 2626 from your registered mobile number.

Benefits of ADCB Smart SIP

• Disciplined investing through monthly contributions
• Rupee/AED cost averaging over time
• Suitable for long-term goals like retirement or education
• Easy activation via SMS or digital banking

You can apply for an ADCB Systematic Investment Plan by sending an SMS ‘SIP’ to 2626 from your registered mobile number.

Structured Products

Abu Dhabi Commercial Bank Wealth Management offers products designed based on your monthly income and financial preferences. It provides you access to a wealth of investments with flexibility and guaranteed capital protection. With these growth instruments, you can expect attractive returns at the end of the investment term. However, the returns on your investment may vary from product to product.  

ADCB structured products are custom-built investment solutions designed based on your risk profile and return expectations.

Key Highlights

• Capital-protected structures available
• Income or growth-oriented options
• Tenures range from a few months to several years
• Best held till maturity due to limited secondary liquidity

These products are more suitable for experienced investors who understand structured payoffs.

ADCB UAE Funds 

ADCB UAE Funds are designed to cater to different financial objectives—from capital preservation to aggressive growth, while maintaining transparency and regulatory compliance.

Popular ADCB UAE Funds 

• ADCB UAE Equity Fund: Invests primarily in UAE-listed equities across ADX, DFM, and Nasdaq Dubai. Suitable for investors seeking medium to long-term capital growth with local market exposure.
• ADCB Islamic Balanced Fund: A Shariah-compliant fund focused on diversified growth and income through Islamic equities and ETFs. Ideal for ethical investors looking for balanced risk.
• ADCB Money Market Feeder Fund: Invests in JPMorgan USD Liquidity Funds, offering low volatility and high liquidity. Best suited for conservative investors and short-term parking of funds.
• ADCB Income Fund: Designed to generate regular income alongside capital appreciation by investing in diversified open-ended funds and ETFs.
• ADCB Balanced Fund: Provides a mix of growth and income by investing across asset classes. Suitable for moderate-risk investors.
• ADCB Growth Fund: Targets higher capital growth with relatively higher market exposure. Ideal for long-term investors with higher risk tolerance.
• ADCB Global Sukuk Fund: Invests in globally diversified Shariah-compliant Sukuk issued by governments and corporates, balancing income with stability.
• ADCB GCC Equity Fund: Focuses on Shariah-compliant equities across GCC markets such as the UAE, Saudi Arabia, Qatar, and Kuwait.

ADCB SIP Investment Philosophy

ADCB’s approach to investing is anchored in the belief that effective wealth management begins with risk awareness and disciplined allocation. The investment philosophy emphasises —

• Active Diversification: Avoiding concentration risk by spreading capital across assets, regions, and strategies.
• Strategic Asset Allocation: Long-term positioning based on macroeconomic and fundamental analysis.
• Tactical Adjustments: Opportunistic shifts in portfolios to capture short-term opportunities without compromising long-term goals.
• Quantitative & Qualitative Research: Combining data-driven models with expert judgement to refine selection and timing.

This structured methodology aims to deliver consistent, risk-adjusted returns across market cycles.

Why Invest with Abu Dhabi Commercial Bank

Here are the major reasons why you must consider investing with Abu Dhabi Commercial Bank in the UAE.

Customised Investment Plans:

Abu Dhabi Commercial Bank offers a wide range of investment plans to help you choose a suitable option based on your financial preferences. With ADCB investment plans, you can select the plan tenure, investment amount, etc. as per your choices and financial goals.

Excellent Investment Strategy:

Abu Dhabi Commercial Bank comes with an excellent investment strategy for investors. It fetches and releases monthly and quarterly investment insights to help its customers keep close track of their investment performances. 

Certified Relationship Managers:

Abu Dhabi Commercial Bank helps you make the best financial decisions by aligning a CISI certified relationship manager who analyses your needs and understands your long-term financial objective.

How to Apply for Getting an ADCB Investment Plan?

Following are the ways you can use to get in touch with the bank and apply for your preferred investment plan.

Request a Call Back:

One of the easiest ways of applying for an ADCB investment plan is to visit the investments section on the bank’s website, choose your preferred investment type, and click on the ‘Request a Call Back’ button the top right corner. Further, you need to fill out a quick application form by providing your name, customer ID (if any), mobile number, email address, and location. Once done, the bank will call you back and brief you about further investment process. 

Online Banking:

Abu Dhabi Commercial Bank offers an online banking portal for its customers to help them access all the banking products and services with ease. If you are an existing ADCB customer, you can login to the online banking portal and apply for an investment plan. You may need to fill out the application form and provide your documents online to complete the application process. 

Mobile Banking:

Abu Dhabi Commercial Bank Mobile Banking App is another online platform that you can use to apply for your chosen ADCB investment plan. The process is almost the same as the internet banking portal. Filling out the application form, providing the required documents, and making a transaction for the required investment amount is all that you need to do for a quick investment.  

Call the Contact Centre:

Another alternative is to contact the bank by calling its customer and support helpline at 600 56 2626.  You can simply provide your chosen ADCB investment plan details over the phone to one of the bank’s representatives and start the application process for the investment.

Contact Your Relationship Manager:

Abu Dhabi Commercial Bank allocates a relationship manager to most of their customers depending upon the nature of services they avail of. You can contact your relationship manager in case you have got one assigned to get an investment plan of your choice.

Send an SMS:

Phone banking is another easy and quick means of communication provided by the bank. You can simply send an SMS from your registered mobile number mentioning a specific investment code for the investment plan type you want to get. Once done, you may expect a response from the bank at the earliest. 

Visit the Branch:

Last but not least, you can also consider visiting the Abu Dhabi Commercial Bank’s branch and contact one of the representatives to begin with the investment plan application process. Make sure you carry all the required documents including your identity, address, and income proof, to avoid any hassles.

How to Earn TouchPoints on ADCB Investment Plans?

Abu Dhabi Commercial Bank also offers TouchPoints on the invested amount. You can earn 1,500 TouchPoints on an initial investment of AED 18,000 and 85 TouchPoints on all the additional investments of AED 1,000. The bank has capped the benefit at the maximum investment amount of AED 150,000.

Key Takeaways

• Explore various options before investing your money in a chosen investment plan.
• Go through the terms and conditions to have a clear understanding of what you are investing in.
• Keep the entire set of documents ready before starting the application process to avoid any last-minute hassle.
• Check the performance report for your chosen investment plan on the bank’s website to analyse the amount of risk.
• Perform thorough market research on the investment type before applying for the same.
• Go through the entire fee and charges structure to avoid paying any hidden charges.
• Contact our customer support desk without having any second thoughts if you need assistance.

Ready to Invest with ADCB? Start with Expert Guidance

Choosing the right ADCB investment plan isn’t about picking the highest return; it’s about selecting a strategy that matches your financial goals, time horizon, and risk appetite. 

At Policybazaar.ae, we help you —

• Compare ADCB deposit interest rates, SIPs, mutual funds, and structured products
• Understand risk, returns, and lock-ins before you invest
• Get personalised guidance from licensed investment experts
• Apply seamlessly with full transparency, no hidden charges

Summary

In summary, ADCB is not just a commercial bank; it’s a full-service wealth management partner. Its investment platforms, from ADCB-managed funds to SIP and structured products, are built to help investors navigate complex markets with confidence. Supported by disciplined risk management and expert advisory, ADCB investment account solutions are designed for both long-term goals and evolving market environments.