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ADIB Structured Products invests in various investment themes.
Wealth Management specialists will take you through a risk profiling process, based on which you will select the most suitable Asset Class mix and relevant products for your saving and investment journey. ADIB will then arrange investments based on the customer’s choice of investment portfolio.
ADIB offer tailor-made Shari’a compliant solutions that align with ADIB strategic views on asset classes and markets. Our structured products provide opportunities to invest in a variety of asset classes, including Shari’a compliant equities, sukuk, and commodities.
Structured notes can be customized to meet your financial requirements and market outlook. They offer the flexibility to provide protection of the investment amount if held to maturity, subject to achieving the expected results from the Wakala for Investment, ensuring your investments are aligned with your financial goals and risk tolerance.
Explore our range of Shari’a compliant structured products and discover how we can help you achieve your investment objectives with innovative and personalized solutions.
Diverse investment themes such as oil, gold, or a group of Shari’a compliant equities.
Capital protection, subject to achieving the expected results from the Wakala for Investment, for investors with different time horizons
Agency Fee: Up to 2 % of the investment amount (exclusive of Value Added Tax)
Value Added Tax (VAT):5%
Early Redemption: Full redemption is only available after a 3-month lock-in period (at no additional fee)
Minimum Investment Amount: $30,000
Q: What is a Structured Product?
A: A structured product is an Shari’a compliant investment designed to meet specific objectives, such as capital protection (subject to achieving the expected results from the Wakala for investment), diversification, expected profit based on note performance.
Q: What is the minimum investment amount to subscribe to the fund?
A: $30,000.00
Q: I am 17 years old; can I invest in the Structured products ?
A: No, the minimum age for investors is 18 years.
Q: Are there any fees when I redeem my investment amount?
A: No.
Q: What is the minimum investment tenor for structured products? Is there any lock-up period?
A: Yes, there is a lock-up period of 3 months. The investment tenor and features of structured products can vary depending on the specific product.
A: Yes, your investment is capital protected if held until maturity, subject to achieving the expected results from the Wakala for investment. The capital protection percentage will be specified in the term sheet for the relevant structured product
A: To subscribe to or redeem products, please visit our Gold Center in person. You will need to complete the necessary procedures, which include reading and signing various required documents.
Q: What are the risks associated with investing in the Structured Product?
A: The risks include:
Credit Risk: In the event of a default of the counterparty that ADIB has entered an agreement with customers; the customer shall bear all credit risks related to the counterparty on which ADIB has acted as an agent on behalf of the customers
Currency Risk: The investment amount may be negatively affected by foreign exchange risk if the investment amount deposited is other than the currency of the Structured Note.
Early Redemption Risk: The investment amount may be negatively affected if redemption is made before the maturity date. If you invest in this product, you will not have any access to your money for the duration of the 3-month lock-in period. After a 3-month lock-in period, the investment can be redeemed on a monthly basis, at an agreed upon price and at no additional fees. The redemption price can be equal, higher or lower than the initial investment amount.
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