23 Best Investment Plans in Dubai, UAE 2025

What is Investment in UAE?

An investment plan helps you grow your money via real estate, stocks, savings products, and more. In the UAE, you can find many choices, whether you’re new to investing or an expert. You can pick low-risk plans for steady returns or market-linked plans with higher growth potential and risk.

Compare & Invest in Best Investment Plans in UAE -

Some of the best Investment quotes in UAE & Dubai are:

Policy Term

Investment Amount

Payment Frequency

YearlyMonthly

Key Objectives of Investments:

Individuals usually make investment in UAE to -

Investment Objective	Description
Keep Money Safe	Capital preservation is a popular investment goal. Though these options may offer lower returns, they keep your savings safe. Some popular investment options include fixed deposits, government bonds, and savings accounts.
Grow Wealth	Another common objective is to grow your money for wealth creation. Capital appreciation, usually a long-term goal, secures your financial future. Investments like real estate, mutual funds, commodities, and equity can offer significant returns, albeit with higher risks.
Set Regular Income	Investment in Dubai and UAE can also ensure a regular income. Some examples include fixed deposits with regular interest payouts or dividend stocks. These options can help manage daily expenses, retirement costs, or recurring payments like education fees or EMIs.

These investment plans in the UAE can cover your daily expenses after retirement or give you extra income. You can also use them to manage bigger costs like college fees or loan EMIs.

Who Should Invest in Investment Plan in UAE?

You don't need to fulfil any minimum age requirement to invest in Dubai or the UAE. The earlier you start, the more your money can grow over time and meet your financial goals.

Here’s a general age group breakdown of when people usually invest in UAE —

Early 20s — To develop the habit of saving and create wealth in the future
Late 20s — To plan a business or early retirement
30s — To plan for your children’s higher education and future requirements
40s to 50s — To secure your family’s future in case something happens to you. It also helps you prepare financially for your retirement.

Note: If you earn less than AED 6,000 per month, you should consider investing in the UAE to generate a second source of income.

Best Investment Options in the UAE (2025 Edition)

Here’s a look at the most popular and best-performing UAE investment options today —

Investment Option	Ideal For	Risk Level
Stock Market (UAE & Global)	Long-term wealth	Medium to High
Mutual Funds & ETFs	Beginners, diversified investing	Moderate
Real Estate (Dubai, Abu Dhabi)	Passive income + appreciation	Medium
Gold & Precious Metals	Wealth protection	Low to Medium
ULIPs (Life Insurance + Investment)	Long-term savings + insurance	Low to High
Fixed Deposits & Sukuks	Capital protection	Low
Cryptocurrency	High-risk, short-term gains	Very High

1. Stocks and Equities

Investing in stocks means buying ownership in publicly traded companies on the Dubai Financial Market (DFM) or Abu Dhabi Securities Exchange (ADX). UAE equities are particularly strong in sectors like banking, energy, and real estate, offering substantial growth opportunities. While stocks offer the potential for high returns, they also carry market risk and require active tracking or professional management.

Key Highlights:

Offers capital appreciation and dividends
Higher volatility, but potential for strong returns
Ideal for investors with a medium-to-high risk appetite

2. Bonds

Bonds are fixed-income securities where you lend money to a government or corporation in exchange for regular interest payments and the return of principal at maturity. In the UAE, government bonds are especially popular among conservative investors due to their low-risk nature and stable returns.

Key Highlights:

Stable and predictable income stream
Lower risk compared to stocks
Suitable for low-risk, long-term investors

3. Mutual Funds

Mutual funds combine the capital of several participants and use it to buy a variety of stocks, bonds, and other assets. Managed by professional fund managers, mutual funds allow you to diversify your investments without choosing individual securities. You can select from equity, debt, or hybrid funds based on your financial goals and risk tolerance.

Key Highlights:

Diversified portfolio lowers individual stock risk
Professionally managed
Can be customised based on risk (low, moderate, high)

4. Real Estate

Real estate remains one of the most rewarding investment plans in the UAE, particularly in cities like Dubai and Abu Dhabi. Investors can earn rental income or profit from capital appreciation. However, this investment also involves maintenance costs and is sensitive to market trends.

Key Highlights:

Strong rental yields (up to 8%)
Tangible asset with long-term appreciation
High entry cost and moderate liquidity

5. Shariah-Compliant Investments

Shariah investments are guided by Islamic finance principles. These funds avoid companies involved in alcohol, gambling, pork, and interest-based income. They are ethically focused and approved by a Shariah board, making them a preferred choice for investors in the UAE.

Key Highlights:

Follows ethical investing principles
Avoids non-compliant industries
Must be certified by a Shariah board

6. Exchange-Traded Funds (ETFs)

ETFs are investment funds traded on stock exchanges, similar to individual stocks. They typically track indexes, sectors, or commodities, offering a low-cost way to diversify. In the UAE, ETFs focusing on global markets or specific sectors like tech and real estate are gaining traction.

Key Highlights:

Lower fees compared to mutual funds
High liquidity and flexibility
Provides instant diversification

7. ULIPs (Unit Linked Insurance Plans)

ULIPs offer dual benefits life insurance and market-linked investment. A part of the premium goes towards insurance, and the rest is invested in equity or debt funds, allowing policyholders to grow their wealth while securing financial protection. Thus, as a policyholder, you can earn returns on investment and life coverage.

Key Highlights:

Combines protection and investment
Tax-deductible premiums (if investing in India)
Long-term wealth accumulation

8. Gold

Gold is a traditional investment in the UAE, popular for its stability and ability to hedge against inflation. You can invest in physical gold, digital gold, or gold ETFs depending on your convenience and liquidity preference.

Key Highlights:

Highly liquid and secure
Retains value during economic instability
Low correlation with stock market

How to Become a Millionaire in 10 Years?
What if we told you that you can effortlessly become a millionaire in 10 years? You can easily earn AED 1 million by investing them in the plans offered on Policybazaar.ae. To earn this amount, you need to invest AED 10,000* per month. Pre-determine the expected return on investment per annum, say 4% p.a. This way, you will get the estimated returns of approximately AED 1,000,000. With consistent investments and growth, this can increase the total value of the funds invested.

How to Become a Millionaire in 10 Years?

What if we told you that you can effortlessly become a millionaire in 10 years?

You can easily earn AED 1 million by investing them in the plans offered on Policybazaar.ae. To earn this amount, you need to invest AED 10,000* per month.

Pre-determine the expected return on investment per annum, say 4% p.a. This way, you will get the estimated returns of approximately AED 1,000,000. With consistent investments and growth, this can increase the total value of the funds invested.

9. Cryptocurrencies

With growing interest in blockchain and digital assets, cryptocurrencies like Bitcoin and Ethereum are gaining momentum in the UAE. While the potential for high returns exists, the market remains extremely volatile and speculative.

Key Highlights:

High-return, high-risk investment
Suitable for tech-savvy and risk-tolerant investors
Increasing regulation in the UAE enhances safety

10. Pension and Retirement Plans

Despite the UAE’s tax-free environment, planning for retirement is critical. Banks and financial institutions offer pension plans that allow you to contribute regularly and build a retirement corpus over time. Some plans also provide guaranteed annuity or insurance benefits.

Key Highlights:

Helps build a long-term financial safety net
Can include life cover or annuity options
Customisable based on retirement goals

11. Private Equity

Private equity involves investing in unlisted companies and startups with high growth potential. This asset class is typically reserved for institutional investors or high-net-worth individuals, given the long lock-in periods and higher risk profile.

Key Highlights:

High growth potential
Longer investment horizon
Requires in-depth due diligence

12. Real Estate Investment Trusts (REITs)

REITs let you invest in income-generating real estate projects without owning physical property. Traded like stocks, REITs offer regular dividends and are ideal for investors seeking real estate exposure with greater liquidity.

Key Highlights:

Access to property investment with lower capital
Offers regular dividend income
Highly liquid compared to physical real estate

13. Savings or Endowment Plans

These are life insurance products that offer savings or guaranteed returns over time. Endowment policies are designed for long-term goals like children’s education, marriage, or retirement, and pay out either on maturity or upon death of the policyholder.

Key Highlights:

Life cover plus assured maturity value
Suitable for goal-based planning
Low risk with predictable returns

14. Capital Guarantee Plans

These are hybrid investment products that combine ULIP (Unit Linked Insurance Plans) with guaranteed return plans. While part of the investment is linked to market performance, the capital you invest stays protected.

Simply put, you are assured of getting back 100% of your principal at maturity, regardless of market movements.

Key Highlights:

100% capital protection at maturity
Combines market-linked growth with capital security
Suitable for risk-averse investors
Includes optional life insurance coverage
Lock-in period typically 5+ years

15. Guaranteed Return Plans

These are life insurance cum savings plans that guarantee a fixed payout at maturity and are one of the best investment plans in the UAE. You pay regular premiums over a fixed term. In return, you receive assured maturity benefits along with life cover throughout the policy term.

Key Highlights:

Guaranteed returns on maturity
Life coverage during the policy term
Fixed premium payment schedule
Suitable for long-term savings goals
Low-risk investment

16. Money Market Funds

These are mutual funds that invest in short-term, high-quality debt instruments like treasury bills, commercial paper, and certificates of deposit. They're ideal for preserving capital and earning modest returns over the short term while maintaining high level of liquidity.

Key Highlights:

Short-term investment horizon (up to 1 year)
Moderate returns with high liquidity
Low risk compared to equity funds
Ideal for parking idle funds
Available through platforms like Policybazaar.ae

17. High-Yield Savings Account

A high-yield savings account is one of the best investment plans in Dubai and offers significantly higher interest rates than regular savings accounts. Interest may be fixed or variable and is typically compounded annually.

Key Highlights:

Higher APY (Annual Percentage Yield) than regular accounts
Daily or monthly interest crediting
Suitable for emergency fund or short-term goals
Highly liquid and safe
Offered by select UAE banks and digital platforms

18. Certificate of Deposits (CoDs)

CoDs are time-bound deposit accounts with fixed terms and higher interest rates than regular savings accounts. When you invest in a CoD, you commit your money for a fixed period, typically 6 to 18 months, and withdraw it with interest at the end of the term.

Key Highlights:

Fixed interest rate and term
Higher returns than savings accounts
Penalty for premature withdrawal
Offered by banks and financial institutions in the UAE
Ideal for short- to mid-term financial goals

19. National Bonds

This is a government-backed, Shariah-compliant savings scheme in the UAE. You can start investing with as little as AED 100. The returns are distributed annually along with prize draw incentives.

Key Highlights:

Flexible investment amounts
Low risk—backed by the Government of Dubai
Shariah-compliant
Offers monthly income and annual returns
Lucky draw prizes as additional incentives

20. Hybrid-Debt Funds

These mutual funds invest primarily in debt instruments (like bonds or debentures) and a smaller portion in equities. They aim to balance the safety of fixed income with the growth potential of equities.

Key Highlights:

Balanced mix of debt and equity
Generates stable income with potential for growth
Lower risk than pure equity funds
Suitable for medium-term goals
Market-dependent returns

21. Commodities

Commodities investments include trading or holding assets like gold, silver, crude oil, agricultural goods, and natural gas. These investment options in the UAE are influenced by global demand, geopolitics, and inflation trends.

Investors can participate in commodity markets through ETFs or futures contracts, which allow them to speculate on price movements.

Key Highlights:

Hedge against inflation and currency risk
Includes metals, energy, and agricultural products
Volatile prices due to global factors
Can be accessed via commodity ETFs or futures trading
Medium to high risk, depending on the commodity

22. Private Equity

Private equity involves investing in private companies (not listed on stock exchanges) either directly or through funds. Investors typically provide capital in exchange for ownership, with returns expected over a long horizon through company growth or exit events.

Key Highlights:

High return potential over the long term
Invests in startups, growing businesses, or buyouts
Illiquid and longer lock-in periods
Higher risk but uncorrelated with stock markets
Usually accessed via PE funds or angel networks

23. Structured Products

Structured products are pre-packaged investment strategies linked to underlying assets like equities, indices, interest rates, or commodities. They often include a mix of derivatives and fixed-income products, offering either capital protection or enhanced returns based on asset performance.

Key Highlights:

Linked to multiple asset classes (stocks, interest rates, etc.)
Can offer capital protection or high returns
Customisable risk and return profiles
A complex structure requires an understanding of financial markets
Typically suited for sophisticated investors

How to Calculate Investment Returns in the UAE?

To estimate the returns on your investments in the UAE, use an SIP Calculator. This tool allows you to input details such as your monthly investment, expected return, and investment duration to estimate your potential returns.

Steps to Calculate Investment Return:

Enter the Monthly Investment Amount: The amount you plan to invest each month.
Expected Rate of Return: The anticipated annual return on your investment.
Investment Duration: The number of years you intend to invest for.

While it helps you understand the useful estimate of potential returns, keep in mind that actual results may vary due to factors like market fluctuations and investment fees. It doesn’t account for exit loads or expense ratios but is great for helping you determine how much you need to invest to meet your financial goals

Why Do You Need Investment Plans in UAE?

Saving is great, but investing is how you truly grow your money. Here's why building a monthly investment plan in the UAE is crucial —

Goal	Why It Matters
Beat Inflation	Protect your money’s value over time by earning returns higher than inflation
Grow Wealth	Reinvested returns can compound and help your money grow faster
Plan for Emergencies	An investment cushion helps in job loss, medical emergencies, or unexpected bills
Retire Comfortably	Invest consistently to build a retirement corpus — live your golden years stress-free
Reach Life Goals	Buy a car, a home, or fund your child’s education — investment can make it happen
Save on Taxes	Some investment plans in the UAE offer tax-free maturity returns

How to Choose Investment Plans in UAE?

Assess Your Risk Tolerance

Choose higher-risk options like stocks or private equity if you’re seeking higher returns, or go for safer investments like government bonds and gold if you prefer stability.

Define Your Investment Horizon

Short-term goals need safer, more liquid investments; long-term goals allow for more aggressive growth strategies like equities or real estate.

Consider Liquidity Needs

Opt for easily accessible investments like savings accounts, ETFs, or money market funds if you might need cash on a short notice. Avoid illiquid assets like real estate or long-term bonds.

Diversify Your Portfolio

Spread your investments across different asset classes (stocks, bonds, real estate, etc.) to reduce risk and improve stability, even for short-term plans.

Take Advantage of The UAE’s Tax-Free Environment

With no capital gains or income tax, you can maximise your net returns on most investment products.

Use Digital Tools

Leverage apps and financial software to track your portfolio, set goals, and make data-driven investment decisions.

Investment Plans

Best Mutual Funds in UAE

A mutual fund is an investment vehicle in which money from many investors is combined to purchase various assets. Managed by professionals, mutual funds offer diversification, making them a low-risk, cost-effective way to invest in various securities.

15 Best Short Term Investment Options

One of the major problems a first-time investor faces is where to invest money in UAE. Considering their lack of exposure to investments, it’s possible for them to end up making wrong choices. To avoid this issue, it’s important to understand the types of investments available in the country. .

Invest AED 10,000 Money in UAE

Investing AED 10,000 in the UAE can be an exciting opportunity to grow your wealth and achieve your financial goals. With a diverse range of investment options available, from stocks and mutual funds to real estate and gold, the UAE offers a dynamic landscape for both novice and experienced investors.

National Bonds in UAE

National Bonds are a type of savings account without any no minimum fee requirements. The key aspect of these National bonds is that they offer a wide range of investment options and personal saving plans for all income levels.

Top 5 SIP Plans for Investment in UAE

Investing in mutual funds through a Systematic Investment Plan (SIP) is a smart and disciplined approach to building wealth over time. In the UAE, choosing the best mutual funds for SIP can help you achieve your financial goals, whether you are saving for retirement, a child's education, or simply growing your wealth.

Click here to Start Your Investment Plan!

Factors to Consider for an Investment Plan in the UAE

Step 1: Determine your monthly savings percentage

Start by deciding how much of your income you can set aside every month
Use the 50/30/20 rule as a guideline — save 20% of your income monthly
Adjust the percentage based on your financial situation (start with 20% if needed, go up to 40% if possible)
Focus on a percentage, not a fixed number, so your savings grow with your income

📌For example, if Ahmed earns AED 50,000/month and saves 20%, that’s AED 10,000/month.

Step 2: Identify and rank your investment goals

Classify goals into:
- Short-term (e.g., vacation, car purchase)
- Medium-term (e.g., child’s education, wedding)
- Long-term (e.g., retirement, property, financial freedom)
Make each goal SMART — Specific, Measurable, Achievable, Relevant, Time-bound
Rank your goals in order of importance. Everyone’s scale of preference is unique, what matters most to you comes first

Step 3: Choose savings platforms and investment portfolios

Match your savings tool to the timeline:
- Short-term: Use savings accounts or flexible online saving plans
- Long-term: Choose higher-return investments (stocks, ETFs, mutual funds, REITs, bonds, gold, crypto)
If you're DIY-savvy, build your own portfolio on platforms like Policybazaar.ae
Or let a robo-advisor create and manage a custom portfolio for you, based on your:
- Time horizon
- Risk appetite
- Risk capacity
- Investment goals

Step 4: Allocate Your Monthly Savings to Each Goal

Use your priority ranking to distribute funds
Example:
- AED 2,000 → Retirement
- AED 1,000 → Dream Car
- AED 500 → Vacation
- AED 500 → Child’s Education
- AED 1,000 → Property

📌 Allocate your monthly investment budget according to your priorities

Step 5: Create an emergency fund

Set aside 3–6 months’ worth of living expenses in a separate, liquid savings account
This protects you from needing to sell investments during emergencies
Avoid using fixed deposits or locked-up products. Instead, use flexible, interest-yielding options

Step 6: Execute Your Monthly Investment Plan

Automate monthly deposits to savings and investment platforms
Track progress via budgeting apps or dashboard tools
Stick to your allocation and rebalance periodically

📌 Platforms like Policybazaar.ae offer automatic rebalancing to maintain optimal asset mix

Documents Required for Investment Plans in the UAE

When applying for an investment plan in the UAE, you typically need the following documents:

Emirates ID: Your primary identification document
Additional Documents: Depending on the provider, you may also need:
- Proof of address
- Bank statements
- Income details

Compare and Purchase Best Investment Options in UAE from Policybazaar.ae

Policybazaar.ae offers a variety of best investment plans in UAE from top providers. Here’s why you should choose us:

Investment Calculators: Easily calculate your potential returns and find plans that suit your financial goals
24/7 Customer Service: Our team is available anytime to assist you in selecting the right plan
Customisable Plans: Tailor your Dubai investment plans based on your risk tolerance, goals, and time horizon
Expert Guidance: Get professional advice and insights to make informed investment decisions

Maintain and Adjust Your Portfolio by Age

Age Range	Strategy
20s–30s	High-risk, high-return (stocks, crypto)
30s–40s	Balanced (mix of stocks and bonds)
50s	Conservative (more bonds, fewer stocks)
60+	Preservation focus (bonds, REITs, dividend stocks)

Tips for First-Time Investors in Dubai

Start small — even AED 100/month can go a long way with consistent investing
Stay informed — follow market trends and financial news. Review portfolio bi-annually or annually
Avoid “get rich quick” schemes, if it sounds too good to be true, it probably is. Reassess goals after major life events (job change, marriage, etc.)

Final Thoughts

Creating a solid investment plan in the UAE isn’t just for finance geeks, it’s for anyone who wants a secure, stress-free future. With countless investment options in the UAE — from mutual funds to Dubai real estate, there’s something for every budget and risk level.

So whether you're looking for the best investment plan in Dubai, or just want to start small, take that first step today and set the foundation for a better financial future. The earlier you invest, the better your tomorrow looks.

Last Updated at: 6 December 2025

Frequently Asked Questions

Doubling your money in the UAE is possible through smart investments like stocks, mutual funds, REITs, and real estate. Choose options based on your risk appetite and time horizon.

You can invest 10,000 AED in National Bonds, Fixed Deposits, or ETFs. These offer a mix of safety, returns, and flexibility, ideal for beginners and cautious investors.

Top investment platforms in the UAE include eToro, Saxo Bank, and Interactive Brokers. eToro stands out for its user-friendly interface and social trading features.

E-commerce, digital marketing, fintech, and healthcare are among the best sectors to start a business in the UAE, thanks to rising demand and digital adoption.

The right investment asset helps grow your wealth, generate income, reduce tax burdens, and secure your future through goal-based financial planning.

Start by setting clear financial goals, diversifying your portfolio, choosing the right investment duration, and reviewing your progress regularly.

Saving alone may not beat inflation. Investing helps your money grow, protects its value, and reduces the chance of overspending idle cash.