Which is Better: HAYAH or Sukoon Takaful in UAE?
Choosing the right long-term savings or investment plan in the UAE can be confusing, especially when comparing HAYAH Investment Plans vs Sukoon Takaful Investment Plans. Both companies offer popular wealth-accumulation solutions, but their investment philosophy, returns, fees, and protection ...read more
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Quick Summary: HAYAH vs Sukoon Takaful UAE
To help you make an informed decision, here’s a side-by-side comparison of HAYAH vs Sukoon Takaful UAE based on returns, fees, riders, benefits, and long-term suitability —
| Feature | HAYAH Investment Plans | Sukoon Takaful Investment Plans |
|---|---|---|
| Investment Style | Conventional, globally diversified | Fully Shariah-compliant |
| Best For | Low-cost wealth creation, digital investors | Ethical investors seeking protection + savings |
| Minimum Investment | USD 15 (Simple Saver) / USD 250 (Smart Saver) | USD 250 |
| Protection Benefits | Limited (mostly investment only) | Strong life & accidental coverage |
| Fees | Transparent & lower over the long term | Multiple layers of fees (Wakala, admin, allocation) |
| Returns Potential | Depends on global markets & BlackRock portfolios | Depends on Shariah funds & Sukoon risk-sharing |
| Digital Experience | Fully online, automated | Semi-digital, advisor-led |
| Ideal For | Retirement savings, kids’ education, long-term investing | Family protection + Shariah investing |
Best Investment Plans in UAE
Some of the best Investment quotes in UAE & Dubai are:
Sukoon Takaful Shariah Investment vs HAYAH Plans
HAYAH Investment Plans
HAYAH focuses on digital, low-cost, globally diversified investment solutions designed for long-term goals like retirement, education, wealth creation, and Golden Visa residency.
Its plans, Simple Saver, Smart Saver, Golden Visa Saver, and Employee Saver, combine ease of use with transparent pricing. HAYAH’s biggest advantage is automation, making it ideal for UAE residents who want simple, hands-off investing.
Sukoon Takaful Investment Plans
Sukoon Takaful (formerly Oman Insurance Takaful) specialises in Shariah-compliant savings + protection plans. Investments are aligned with Islamic principles, avoiding interest (Riba), gambling (Maysir), and excessive uncertainty (Gharar). Their star plans, Family Takaful Protect & Family Savings, combine —
- Life coverage
- Accidental death protection
- Ethical investment portfolios
This makes Sukoon ideal for families and individuals who want protection plus halal investing in the UAE.
HAYAH vs Sukoon Takaful Returns Comparison
When searching for HAYAH vs Sukoon Takaful returns comparison, the difference comes from investment flexibility —
|
Comparison Point |
HAYAH Returns |
Sukoon Takaful Returns |
|---|---|---|
|
Fund Style |
BlackRock-managed multi-asset global portfolios |
Shariah equity + Sukoon Takaful-managed funds |
|
Expected Growth (Long Term) |
6–9% (depending on risk level) |
4–7% (Shariah limits reduce high-risk assets) |
|
Risk Level |
Aggressive to conservative |
Mostly moderate due to Sharia rules |
|
Volatility |
Higher (global diversified markets) |
Moderate (no high-leverage or prohibited assets) |
|
Consistency |
High due to automated rebalancing |
Moderate, varies with Sharia-compliant markets |
Verdict on Returns:
- HAYAH generally delivers higher long-term growth due to broader global exposure.
- Sukoon Takaful offers steadier but slightly lower returns because Sharia compliance restricts certain high-yield assets like bonds with interest.
Features of Sukoon Takaful Shariah Investment vs HAYAH Plans
|
Feature |
HAYAH |
Sukoon Takaful |
|---|---|---|
|
Portfolio Management |
Automated rebalancing + BlackRock-backed portfolios |
Active management of Sharia-compliant funds |
|
Premium Flexibility |
Highly flexible |
Fixed-term 5–25 years |
|
Withdrawals |
Anytime withdrawals (charges apply for 4 years) |
Policy-based rules (depend on fund value) |
|
Portfolio Options |
Multi-asset + thematic portfolios |
Sharia equity funds, Sukoon-managed funds |
|
Digital Experience |
Fully digital onboarding + dashboards |
Semi-digital, traditional servicing |
|
Death Benefit |
100% policy value |
100% fund value + accidental death benefit up to USD 200,000 |
Inclusions & Exclusions of HAYAH vs Sukoon Takaful UAE
|
Category |
HAYAH (Saver Plans) |
Sukoon Takaful (Family Protect) |
|---|---|---|
|
Includes |
USD portfolios, online investing, BlackRock funds, flexible payments |
Life coverage, accidental death benefit, Shariah-compliant investing |
|
Does NOT Include |
Medical benefits, disability cover, Takaful protection |
Non-Sharia investments, war-risk claims, flexible withdrawals (charges apply) |
Add-Ons & Riders Comparison
|
Rider Type |
HAYAH |
Sukoon Takaful |
|---|---|---|
|
Critical Illness |
❌ No |
✔️ Limited, depending on policy |
|
Accidental Cover |
❌ No |
✔️ Yes |
|
Disability Income |
❌ Not available |
❌ Not available |
|
Premium Waiver |
❌ No |
❌ No |
|
Thematic Portfolios |
✔️ Yes |
❌ No |
|
Shariah Compliance |
❌ Conventional |
✔️ Fully Shariah |
HAYAH vs Sukoon Fees & Charges
|
Fees / Charges |
HAYAH |
Sukoon Takaful |
|---|---|---|
|
Annual Management Fee |
0.50% to 1.25% (decreases with savings) |
~0.166% monthly (≈2%/year) |
|
Fund Fees (OCF) |
Yes (built into fund) |
Yes (deducted by Sharia fund managers) |
|
Policy Admin Fee |
None for Simple Saver |
USD 10/month |
|
Allocation Fee |
None |
5% on top-ups |
|
Establishment Fee |
No |
0.1667% of the annual premium for 5 years |
Verdict on Charges:
- HAYAH is significantly more cost-effective, especially for long-term savers.
- Sukoon Takaful is more expensive because of Takaful protection + administrative layers.
HAYAH vs Sukoon Takaful Investment Performance UAE
|
Performance Area |
HAYAH |
Sukoon Takaful |
|---|---|---|
|
Long-term growth potential |
Higher |
Moderate |
|
Stability |
Market-dependent |
More stable due to the protection element |
|
Risk |
Medium |
Low–Medium |
|
Ideal For |
Retirement & long-term wealth |
Family protection + halal investing |
Eligibility & Contribution Rules
|
Criteria |
HAYAH |
Sukoon Takaful |
|---|---|---|
|
Minimum Age |
18 |
18 |
|
Maximum Age |
69 |
62 |
|
Minimum Monthly Contribution |
USD 15–250 |
USD 250 |
|
Contribution Term |
5+ years |
5–25 years |
|
Currency |
USD |
USD |
Which is Better: HAYAH or Sukoon Takaful in UAE?
Choosing between the HAYAH investment plan vs Sukoon Takaful investment plan depends entirely on whether you want maximum returns or Shariah-compliant protection —
✅ Choose HAYAH if your priority is pure wealth creation
HAYAH is designed for investors who want a lean, low-cost, globally diversified investment structure without paying for insurance layers they don’t need. If you want your money to grow efficiently with minimal deductions, HAYAH stands out clearly.
✅ Choose Sukoon Takaful if you want protection + Shariah-compliant savings together
Sukoon Takaful suits investors who prefer an ethical, risk-sharing model with built-in life and accidental protection. If protection and Takaful compliance matter as much as returns, Sukoon Takaful is the stronger fit.
Frequently Asked Questions
Which is better: HAYAH or Sukoon Takaful in UAE?
HAYAH is better for pure investing with low fees. Sukoon Takaful is better for Shariah-compliant savings with life protection.
What is the difference between the HAYAH investment plan vs Sukoon Takaful investment plan?
HAYAH focuses on global investments with low costs. Sukoon Takaful offers Shariah savings with protection benefits.
Is Sukoon Takaful Shariah-compliant?
Yes, all Sukoon investment plans follow Islamic finance rules and are certified by a Shariah supervisory board.
Who gives better returns: HAYAH vs Sukoon Takaful?
HAYAH generally gives better market-linked long-term returns due to global fund access and lower costs. Sukoon returns are ethical but moderated due to protection charges.
Are HAYAH investment plans safe?
Yes. HAYAH is regulated by the UAE Central Bank and offers diversified USD-denominated portfolios.
Does Sukoon Takaful include life insurance?
Yes. Sukoon’s Family Takaful plans include life, accidental death, and investment benefits.
Can expats invest in HAYAH or Sukoon Takaful?
Yes. Both Sukoon Takaful Shariah investment vs HAYAH plans are open to UAE residents, including expats.
Which is better for families: HAYAH or Sukoon Takaful?
Sukoon Takaful, because it offers life and accidental protection along with savings.
Aashima Mongia
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