Islamic Investing in Ajman, Ajman

A DIFC-headquartered, DFSA-regulated trading app giving GCC retail investors access to 20,000+ US-listed stocks and ETFs (with GCC stocks, US options, fractional US Treasuries and physical gold added by 2026), with a built-in Sharia Screener that filters and labels securities against AAOIFI-based standards, covering more than 1,500 halal-screened stocks and ETFs. Features include fractional shares, recurring Auto-Invest, dividend reinvestment (DRIP), extended-hours trading, LSEG-powered research and baraka AI. Trading fees start at $1 per trade, with subscription tiers unlocking more trades and the advanced Shariah and AI tools. Real share ownership (no CFDs), SIPC coverage up to $500,000 on US-listed securities via its US clearing chain.

National Bonds' fixed-term lump sum product: invest from AED 10,000 for 3, 6 or 9 months or 1 year and earn anticipated profit that the company updates weekly, with payout monthly, quarterly or at maturity depending on plan. One-year plans pay monthly profit. Capital is protected as per the National Bonds Mudarabah structure, and investors enter the AED 35.5 million Rewards Program including AED 1 million prizes and 16 luxury cars. This is the institution's answer to an Islamic bank term deposit, with shorter minimum tenors than most and a materially lower entry point than bank wakala deposits.

The flagship entry product of the UAE's national Mudarabah savings institution. Saving Bonds are sold in units of AED 10 with a minimum purchase of AED 100, no minimum balance fees, and full flexibility to top up regularly or ad hoc. Savings participate in National Bonds' Shari'a-compliant Mudarabah investment pool, which distributed returns of up to 4.45% for 2025, and every bond enters the AED 36 million annual Rewards Program, including AED 1 million prizes for 2 winners every quarter and a luxury car draw every month. National Bonds is 100% owned by the Investment Corporation of Dubai and passed AED 18 billion in bondholders' funds with over one million bondholders in 2025.

National Bonds' automated pay-yourself-first plan: a monthly direct debit from AED 100 that buys Saving Bonds automatically, so saving continues without willpower. Savers get full AED 36 million Rewards Program eligibility, the exclusive regular-saver monthly draw (AED 5,000 for 10 winners, AED 500 for 60, AED 50 for 5,000), and 5 monthly draws for the latest iPhone. Reward chances scale with balance: 1 chance per bond up to AED 50,000 in total savings, rising to 4 chances per bond above AED 350,000. Setup is a direct debit form plus application via the app, branches or 600522279.

Managed halal portfolios inside Sarwa Invest, the UAE's first robo-advisor (launched 2017, over $800 million AUM per 2026 reviews). From a $500 minimum, Sarwa builds a globally diversified portfolio of Shariah-screened equity ETFs, sukuk exposure and a gold ETC, matched to your risk profile, with automatic rebalancing, dividend reinvestment and auto-deposits. Management fees run 0.85% a year below $100,000, stepping down to 0.70% ($100,000+), 0.50% ($500,000+) and 0.40% ($5 million+), plus underlying ETF expenses of roughly 0.2%. Sarwa Digital Wealth (Capital) Limited is regulated by the FSRA in ADGM, and the platform also offers a halal option inside its Save+ product via a Shariah-compliant money market fund.

Globally diversified Shariah-compliant portfolios launched in the UAE in August 2025 by StashAway Management (DIFC) Limited, regulated by the DFSA (licence F006312). Four risk levels (Moderate, Balanced, Aggressive, Very Aggressive; StashAway Risk Index 16% to 36%) blend Shariah-compliant equity ETFs, global sukuk and gold, managed by StashAway's ERAA economic-regime framework with automatic re-optimisation. There is no minimum investment and no lock-in; management fees are 0.2% to 0.8% a year with average underlying ETF expenses of 0.4%. Composite 5-year historical returns of the underlying allocations ranged from 7.5% to 13.5% annualised (to 31 December 2025), and the portfolios returned 9.3% on average in USD from their August launch through year-end 2025.

Fractional UAE government Islamic Treasury Sukuk (T-Sukuk) offered to individual investors under the Ministry of Finance's Retail Sukuk initiative, with a minimum investment of AED 4,000 through Emirates NBD's ENBD X app (second agreement signed 19 November 2025, following the first phase with national banks). Investors buy small denominations of the same dirham-denominated sovereign sukuk institutions hold, via primary allocations or secondary-market transactions, gaining government-backed, Shariah-compliant fixed-income exposure with steady returns and digital management. The initiative is explicitly aimed at broadening the investor base, promoting responsible saving and deepening the domestic Islamic capital market.