RM Masterboard

Mutual Funds — Portfolio Diversification

SubjectMutual Funds - Portfolio Diversification

Dear ,

I hope this message finds you well.

I wanted to share some thoughts that may be valuable for your portfolio.

Protecting Your Wealth: Moving Beyond Cash & Fixed Deposits

Traditional savings accounts often hover between 0.5% and 1.0%. Similarly, standard 12-month fixed deposits are currently offering returns in the range of 2.25% to 3.25%.

With inflation forecast to rise (the UAE central bank forecasts inflation of about 3% in 2026), your real rate of return — what you earn after inflation — is often negligible or even negative. To truly grow your wealth and outpace inflation, it is essential to consider shifting a portion of your portfolio into growth-oriented assets.

Why Consider Funds Over Cash/Fixed Deposits?

Inflation Hedge: Equities and diversified bonds have historically outperformed inflation over the long term.
Capital Appreciation: Unlike fixed deposits that offer a fixed return, equity funds participate in the growth of global economies and corporate earnings.
Professional Management: Managed by global investment powerhouses — Franklin Templeton and PIMCO — providing access to opportunities typically reserved for large institutions.

Given the current situation, a strategic shift to a more conservative, resilient posture is the best way to ensure you’re building a fortress around the wealth you have worked so hard to accumulate.

Mutual Funds are discretionary portfolios that provide recession-proof investment opportunities, allowing you to earn passive monthly dividend payouts and capital appreciation. These funds are professionally managed by a team of Fund Managers who adjust your portfolio depending on market conditions, generally yielding around 7% and above. Our discretionary funds are allocated into these 3 main funds:

Blackrock Global Dynamic Income Fund
Allianz Income and Growth Fund
Franklin Income Fund

I look forward to you having this discussion further with my Wealth Manager who will guide you through the process of understanding how these instruments can generate passive income opportunities and overall growth for your portfolio.

Capital-Protected Structure (SharkFin Notes)

SubjectNew Capital-Protected Structure: See Your 2-Year Return Potential

Dear ,

I hope this finds you well.

I am reaching out about a new investment structure we have launched that I think fits your wealth strategy perfectly — where you want market upside without the downside risk.

It is called SharkFin Notes, and here is the concept: you get equity participation PLUS your capital back. Always.

The Concept

100% capital protected + full upside capture + guaranteed rebate if barrier breached.

Real Example: 2-Year Tesla Note ($1M Investment)

Scenario	Performance	You Receive	Return
Protected	Down 50%	$1,000,000	0%
Moderate	Up 20%	$1,200,000	+20%
Strong	Up 25%	$1,250,000	+25%
Barrier Hit	Up 50%	$1,180,000	+18%

Why this works: Capital Protected | Full Upside | Defined Risk | Guaranteed Rebate | Professional Grade

Next step: Let’s schedule 20 minutes this week. Available Tuesday 10 AM / Wed 2 PM / Thurs 10 AM. Reply with your preference.

Fiduciary Deposits — Introduction

SubjectWhat is a Fiduciary Deposit?

Dear Valued Customer,

I hope this message finds you well.

I’d like to share an exciting investment opportunity available through our fiduciary deposit program. Unlike a fixed deposit, where your funds are placed directly with us to earn interest, a fiduciary deposit involves us placing your funds with carefully selected partner banks to optimize returns.

Minimum deposit of AED 1,000,000. Below is a list of our partner banks and their respective ratings for your reference:

Bank Name	Country	Rating
National Bank of Fujairah	UAE	Baa1/BBB+
SNB Bank	KSA	A1/A−
Bank of Sharjah	UAE	BBB+/BBB+
Al Ahli Bank of Kuwait — DIFC	UAE	A3/A−
QNB KSA	KSA	A1/BBB
ANB Bank	KSA	A2/BBB+
Partner Bank KSA	KSA	A2/A+

For further details or to explore this opportunity, I can arrange for our wealth advisor to contact you directly. Please let me know if you have any questions or would like to proceed.

Comprehensive Wealth Strategy (3-Pillar)

SubjectYour Comprehensive Wealth Strategy — Capital Protection, Income & Growth

Dear ,

I hope this message finds you well.

I’m reaching out to share a strategic wealth approach designed specifically for high-net-worth clients seeking to optimize returns while protecting capital in an inflationary environment. With UAE inflation forecasted at ~3% for 2026, traditional fixed deposits (2.25–3.25%) and savings accounts (0.5–1.0%) are eroding purchasing power rather than building wealth.

I’d like to present a three-pillar strategy that balances capital preservation, passive income, and equity upside:

Pillar 1: Structured Capital Protection — SharkFin Notes

For investors wanting market upside without downside exposure:

100% Capital Protected: Your principal is guaranteed, always
Full Upside Capture: Participate directly in market gains (up to barrier level)
Defined Risk: Structured rebate mechanism if barriers are breached
Professional Grade: Institutional-quality construction

Example: 2-Year Tesla Note ($1M investment)

Scenario	Performance	You Receive	Return
Protected	Down 50%	$1,000,000	0%
Moderate	Up 20%	$1,200,000	+20%
Strong	Up 25%	$1,250,000	+25%
Barrier Hit	Up 50%	$1,180,000	+18%

Current Pricing: 2-Yr Tesla (18%) | NVIDIA (17%) | Alibaba (16%) | Gold (12%) | 1-Yr Tesla/NVIDIA (9.25%)

Pillar 2: Diversified Income Generation — Global Mutual Funds

For passive monthly dividends and capital appreciation, professionally managed by tier-1 global fund managers:

Inflation Hedge: Equities & diversified bonds historically outpace inflation long-term
Capital Appreciation: Direct participation in global economic growth
Professional Management: Franklin Templeton & PIMCO expertise
Target Yield: 7%+ annually (dividend + capital growth)

Core Allocation:

Blackrock Global Dynamic Income Fund
Allianz Income and Growth Fund
Franklin Income Fund

Portfolio adjusts dynamically based on market conditions — institutional access previously unavailable to individual investors.

Pillar 3: Institutional Fixed Income — USD Perpetual AT1 Bond (Reg S)

For portfolio stability and enhanced yield:

Coupon: 6.25–6.3375% (locked, non-callable for 6 years)
Credit Rating: A1/A+ (Moody’s/Fitch)
Structure: Perpetual with step-up mechanics post-call date
Syndication: JPMorgan | Goldman Sachs | Barclays
Purpose: Diversify from equities + higher yield than traditional FDs

Fixed income component provides portfolio ballast while generating 6.3%+ annually — substantially above current deposit rates.

Why This Framework Works

This three-pillar approach addresses your entire wealth objectives:

Capital Protection → SharkFin Notes (upside with floor)
Passive Income → Mutual Funds + AT1 Bond (7%+ combined yield)
Inflation Resilience → All three components hedge inflationary pressure
Diversification → Equities | Fixed Income | Structured Products

Next Steps

I’d like to schedule a 20-minute discussion to walk through implementation details, answer your specific questions, and align this strategy with your portfolio objectives.

Available this week:

Tuesday, 10:00 AM
Wednesday, 2:00 PM
Thursday, 10:00 AM

Will / Future Protect — Estate Planning Options

SubjectWill / Future Protect

Dear ,

Good day,

Following our recent conversation, I’d like to give you a complete picture of your estate planning options in the UAE, so you can make an informed decision about what suits you best. The MetLife Future Protect Select Plan is one tool among several — my goal is to share all of them with you transparently.

Your Estate Planning Options in the UAE

1. Default — UAE Courts (No Documentation in Place)
If nothing is registered, in the event of passing, the estate is distributed by the local courts according to Sharia inheritance principles. Fixed shares apply (spouse, children, parents, etc.), bank accounts and assets are typically frozen until the process completes, and distribution can take 6–12 months or longer.

2. Registered Will — DIFC Wills Service Centre (Dubai)
For non-Muslims, a will registered at the DIFC allows assets to be distributed according to your personal wishes rather than Sharia rules. Registration typically costs AED 10,000–15,000 and provides strong legal recognition. The will still goes through a probate process before distribution.

3. Registered Will — Abu Dhabi Judicial Department (ADJD)
Similar to DIFC, ADJD offers a non-Muslim wills registry with a more affordable fee structure. It is recognized across all seven Emirates.

4. Notarized Will at Dubai Courts
A will notarized through Dubai Courts is another option, generally followed by Muslims, with distribution based on Sharia.

5. Federal Decree-Law No. 41 of 2022 (Non-Muslims)
Non-Muslim residents can request that their home country’s inheritance laws apply to their UAE estate — a relatively recent and useful provision.

6. Joint Accounts and Property Structuring
Certain assets can be structured jointly, though treatment varies and most still require court involvement.

7. Life Insurance with a Named Beneficiary (Future Protect Select)
This is where the MetLife policy adds a unique advantage. The death benefit is a contractual obligation between MetLife and the named beneficiary — it does not form part of the estate, is not frozen, and does not require court proceedings. Funds are paid directly to your nominated beneficiary, typically within weeks.

Why the MetLife Plan Adds Surplus Value

While a registered will determines how your existing assets are distributed, it doesn’t create new liquidity for your family during the waiting period. A life insurance plan does both:

Immediate, direct payment to your beneficiary, outside the estate
An additional sum on top of whatever your will provides
Built-in savings and investment growth
Critical illness benefit covering 32 conditions
Life cover available until age 95

In short, a will manages what you already have. Life insurance creates an additional, immediately accessible benefit that complements every other option above.

I’d recommend exploring a combination that fits your circumstances. I’m happy to share a tailored illustration and, if helpful, refer you to a trusted legal partner for the wills side.

Looking forward to your thoughts.

Promotion Desk — Active RM Promotions

Fixed Deposit Promotions — Priority Customers

Rates captured from the shared promotion screenshot. Use as an RM quick reference; confirm latest campaign validity before quoting to a client.

AED currency

Amount Band	1M	3M	6M	9M	12M	24M
AED 10M+	3.10%	3.15%	3.25%	3.30%	3.35%	3.10%
AED 350K - AED 10M	3.00%	3.05%	3.15%	3.20%	3.25%	3.00%
AED 50K - AED 350K	2.85%	2.90%	3.00%	3.05%	3.10%	2.85%

USD currency — source image label needs confirmation

Amount Band Shown	1M	3M	6M	9M	12M	24M
AED 10M+	3.10%	3.15%	3.25%	3.30%	3.35%	3.10%
AED 350K - AED 10M	3.00%	3.05%	3.15%	3.20%	3.25%	3.00%
AED 50K - AED 350K	3.85%	2.90%	3.00%	3.05%	3.10%	2.85%

Currency Calculator

Top Picks

Themes

If the underlying has NOT closed above the Barrier at maturity

If the underlying HAS closed above the Barrier at maturity

Protecting Your Wealth: Moving Beyond Cash & Fixed Deposits

Why Consider Funds Over Cash/Fixed Deposits?

The Concept

Real Example: 2-Year Tesla Note ($1M Investment)

Pillar 1: Structured Capital Protection — SharkFin Notes

Pillar 2: Diversified Income Generation — Global Mutual Funds

Pillar 3: Institutional Fixed Income — USD Perpetual AT1 Bond (Reg S)

Why This Framework Works

Next Steps

Your Estate Planning Options in the UAE

Why the MetLife Plan Adds Surplus Value

Funds