HAYAH vs Sukoon Takaful Investment Plans UAE 2025 - Returns, Fees & Shariah Comparison

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

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:

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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.

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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

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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

HAYAH is better for pure investing with low fees. Sukoon Takaful is better for Shariah-compliant savings with life protection.

HAYAH focuses on global investments with low costs. Sukoon Takaful offers Shariah savings with protection benefits.

Yes, all Sukoon investment plans follow Islamic finance rules and are certified by a Shariah supervisory board.

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.

Yes. HAYAH is regulated by the UAE Central Bank and offers diversified USD-denominated portfolios.

Yes. Sukoon’s Family Takaful plans include life, accidental death, and investment benefits.

Yes. Both Sukoon Takaful Shariah investment vs HAYAH plans are open to UAE residents, including expats.

Sukoon Takaful, because it offers life and accidental protection along with savings.

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