Planning Process

Your investment objectives determine your investment strategy.
They help you to select the right investment products and the right mix of assets required, in order to meet your financial goals.

Why we should plan for investments?

3 Steps of Investment Planning

Investment planning is a matter of understanding your life today and your aspirations for the future. Many people plan for their future without a strategy in place and without realizing that effective money management requires expertise.

Investment planning process has the following building blocks:


Spending Plan: Know where your money is going and direct it to where it should go and away from where it shouldn’t.

Retirement Plan: What you can expect at the end of your work life.

Investments: Which investment avenue you will select will depend on your investment objective and risk profile e.g. stocks, mutual funds, bonds, real estate or commodities.


Equities Investing: Provides capital growth with a long-term horizon

Fixed Income Investing: Preserves your initial investment, while also providing regular income

Voluntary Pension Schemes: Provides you a source of income after you have retired

Tax Savings: Adds to your wealth by providing tax related benefits

Financial road map


Fulfillment of short-term and long-term goals whether a dream vacation, a house, performing Hajj or a successful retirement with financial freedom and receive all the benefits that one can enjoy as a result of saving/ investment

Investment Planning

Myths And Facts


You can’t enjoy today and save for tomorrow.


An Investment plan lets you balance enjoying today and saving for tomorrow.


This is not the right time to save.


You can start investment planning anytime, however; the sooner the better.

You may have avoided thinking about your finances until now. The key is to balance your day-to-day activities with a long-term investment plan that helps you achieve your future goals and dreams. It’s never too late or too early to start your plan.

Next step: Figure out where am I today?


I don’t have enough money today to save for tomorrow.


No matter what life stage you’re at, saving a little money today will make a big difference tomorrow.

Do you get stressed out in the day-to-day rush, or feel that your spending habits are not in sync with the stage of life you are in?

Before you can set goals for the future, you must assess your current financial situation to create a clear picture of where you stand today in terms of wealth. In this respect, a proper risk profiling and situation analysis allows you to lay the right foundation for your investment plan.

Next step: Define what are my goals for the future?


Realizing my dreams seems impossible.


No, it’s about setting goals, investment planning and enjoying your life.

Regardless of what life stage you are in, you are likely to have some short and long term personal financial goals. No matter what you are saving for, the question remains “Will you have enough money for the future?” With the right investment planning, the answer is “Yes“.

Determine your investment profile

Deciding how and where to invest your money is one of the most important decisions you have to make. And depending on your investment goals, you might choose to invest in one product or a mix of investment products.

Knowing your investor profile will help you work out the kind of investments you should consider. There are various dimensions to your investment profile which are as follows:

Investment Objective What is your goal?
What is your goal? How long will it take to achieve that goal?
Returns What rate of return will help you achieve that goal?
Liquidity Do you require immediate cash?
Risk How much risk are you willing and able to take?
Financial Situation What is your current level of wealth?
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