Investments
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Investing while living in Saudi Arabia
Investments are a key strategy for wealth enhancement and securing a solid financial future, particularly for expats in Saudi Arabia.
Investing fundamentally involves allocating your money into ventures or assets with the potential for financial returns over time. When you invest, you’re acquiring assets like stocks, bonds, real estate, or commodities. Returns can come as dividends (income payments) or capital gains.
A major advantage of investing over some savings accounts is the liquidity of your investment; your funds are not locked and are accessible whenever you may needed them. However, it’s important to note that investing is primarily a long-term wealth-building approach. Interestingly, the trend in global markets shows a decrease in the average holding period for shares, from 9.7 years in 1980 to just 0.8 years recently. Still, experts recommend holding investments for at least five years to maximize growth potential.
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Types of Investments
Your investment choice should align with your risk tolerance and objectives. The main categories are funds and individual shares.
Sustainable Investments
Sustainable investments, focusing on environmental, social, and governance (ESG) factors, have become increasingly popular. These investments align with personal values and have shown profitable returns.
Earning from Investments Investment returns typically come from dividends or stock appreciation. Dividends are payments made by a company to its shareholders, while stock appreciation refers to the increase in share value over time.
Equities
Shares represent ownership in a company. The value of these shares is influenced by the company’s performance, with potential for both appreciation and depreciation.
Funds
Funds are collective investments, often comprising a mix of different assets. They offer time efficiency and diversification, spreading risk across various investments. Funds can be active, managed by professionals with higher fees, or passive, tracking market indices with lower fees.
Starting Your Investment Journey in Saudi Arabia
Navigating the investment world can be complex. Holborn Assets, a leading, multi-award-winning financial services firm, specialises in investing and financial planning for expats.
We are the first and only Western financial advisory company to have been granted a full regulatory licence from KSA’s Ministry of Investment and are therefore in a unique position to help expats living in Saudi with their Retirement Planning needs.
Our team of experienced wealth managers, based here in Saudi, are ready to assist you in achieving your investment goals. If you’re an expat in Saudi Arabia and wish to explore how Holborn Assets can aid in your investment journey, please contact us. We’re here to guide you every step of the way.
Investing in Saudi Arabia: Is It Suitable for You?
For expats in Saudi Arabia, investing can be an excellent way to utilise additional savings, thanks to favourable tax conditions. However, it’s crucial to align your investment choices with your long-term goals and risk tolerance.
