Wealth preservation through diversification.
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Personalized Planning
Step 01:
Complimentary Review
Complimentary Review
All our clients begin their Vault investment journeys with a complimentary financial planning review meeting — this is designed to help understand how Vault can add value in bridging the gap between your current financial circumstances and your goals.
Step 02:
Personalized Planning
Personalized Planning
We'll assign you your dedicated wealth advisor who will help you create your personalized financial plan. We’ll support you in planning for your financial goals, including wealth preservation, education, retirement, and estate planning.
Step 03:
Ongoing Support
Ongoing Support
Once your financial plan is in action, we'll work with you to monitor your progress, adjust your plan as needed, and provide ongoing support and guidance. We're committed to helping you achieve your goals and maximize your financial success.
Listings
Since our diversified portfolios are listed on the London Stock Exchange, clients are exempt from paying US withholding tax on their diversified portfolio investments.
Diversified Portfolios
Our diversified portfolios, composed of bonds and equities, are designed to be core investments that make up the largest part of your portfolio — they prioritize diversification and risk management to maximize returns in the long-term.
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1,500+ income generating securities
10+ different sectors
20+ developed and emerging markets
Vault’s Diversified Portfolios
*Disclaimer
While expected returns are calculated based on past performance, future returns are not guaranteed at the same rate. We update our projections from time to time to more accurately predict future returns.
Halal Investing
We’re pleased to provide Islamic versions of our diversified funds, including sukuk, that are Shariah Compliant.
Thematic Portfolios
Our thematic portfolios are designed to be ‘satellite’ investments that complement your ‘core’ portfolio — with a suggested investment of no more than 5% in any one theme, they leverage cutting-edge industries and emerging markets with high growth potential without the risk of over-concentration.
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Vault’s Thematic Portfolios
AI / Robotics
Invest in the cutting-edge technologies that are transforming the way we live and work, from autonomous vehicles to smart homes and more.
Healthtech
Invest in the leading companies that are driving innovation in healthcare, from telemedicine to genomics and beyond.
Commodities
Invest in the resources that are essential to modern life, from precious metals and minerals to energy and agriculture.
New Energy
Invest in the future of clean energy, from renewable power sources that are alternative to fossil fuels to energy storage and more.
Real Estate
Invest in the property markets of emerging economies, from urbanization and demographic trends to the rise of the sharing economy.
Private Markets (Coming Soon)
Private Markets offer a completely unique opportunity for investors seeking greater growth potential in their investment portfolios. We provide access to innovative companies with high growth potential that are not publicly traded.
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SmartCash
Earn an interest of up to 5.36% (6x the national average)1 with our lock-in-free, insured, and flexible cash account.
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Why opt for SmartCash?
No Lock-in Period
Unlimited withdrawals means earning interest each day your deposit is active with the ability to withdraw at any time.
Flexible Investing
Our monthly contribution plan means earning a competitive return without the pressure of timing the market.
Secured Deposit
FDIC insurance for up to $2.5M3 (10x the standard amount) means safeguarding your deposit and a peace of mind.
1UAE national average data sourced from BankByChoice.
2Rates are as of 28/09/2023 and are subject to change based on central bank interest rate movements. Funds will be held in overnight repositories with the respective central bank.
3FDIC Insurance data sourced from Interactive Brokers.
Passive Monthly Income
Vault’s monthly income feature allows you to enjoy a consistent cash flow that comes from your investment and the returns it generates. You will receive a fixed amount of 5% p.a. distributed each month on your diversified portfolios, while reaping the benefits of having the rest of your value invested.
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You invest in one or more diversified portfolios
Your portfolio generates positive returns
You receive an annual 5% return distributed monthly
Your remaining investment generates more returns
Asset Protection
The protection of your investments is our top priority. We open an offshore account directly in your name in the US, ensuring your assets are safe regardless of where you are.
Your offshore account is opened directly in your name with the Custody Bank & Broker, Interactive Brokers.
Vault is regulated by the Financial Services Regulatory Authority and licensed by the Abu Dhabi Global Market.
Disclaimer: Investment in diversified and thematic portfolios, including exchange-traded funds (ETFs), carries risks, including the potential loss of capital. Investors should consider their investment objectives, risk tolerance, and financial situation before making any investment decisions.
Learn MoreThe expected performance figures presented on this website are estimates and are for informational purposes only. They should not be considered as a guarantee or projection of future returns. These estimates are based on historical data, assumptions about future market conditions, and the past performance of the underlying assets in the diversified portfolios.
Private Markets investments, such as private equity and venture capital funds, are currently not available and will be coming soon. They will only available to Professional Clients and not available for any other clients. These investments carry additional risks and are intended for investors who possess sufficient experience, knowledge, and resources to assess the risks involved. Please consult with a qualified financial advisor before making any investment decisions in these areas.
Vault Wealth Limited is not a bank and does not accept deposits. The interest on cash feature provided to our clients is made possible through our partnership with Interactive Brokers. The interest rates offered are subject to change and may vary depending on market conditions and other factors.
The average UAE interest rate on savings accounts mentioned on our website is sourced from https://bankbychoice.com/. This information is provided for reference purposes only and may not be up-to-date or accurate. Vault Wealth Limited makes no representation or warranty, express or implied, regarding the fairness, accuracy, or completeness of this information.
Client accounts with Vault Wealth Limited are held with Interactive Brokers, a regulated financial institution. Cash balances in these accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to USD 2.5 million, subject to applicable limits and conditions. This coverage is provided by Interactive Brokers and is not a guarantee from Vault Wealth Limited. For more information about FDIC insurance, please visit the FDIC website.
Private Markets investments, such as private equity and venture capital funds, are currently not available and will be coming soon. They will only available to Professional Clients and not available for any other clients. These investments carry additional risks and are intended for investors who possess sufficient experience, knowledge, and resources to assess the risks involved. Please consult with a qualified financial advisor before making any investment decisions in these areas.
Vault Wealth Limited is not a bank and does not accept deposits. The interest on cash feature provided to our clients is made possible through our partnership with Interactive Brokers. The interest rates offered are subject to change and may vary depending on market conditions and other factors.
The average UAE interest rate on savings accounts mentioned on our website is sourced from https://bankbychoice.com/. This information is provided for reference purposes only and may not be up-to-date or accurate. Vault Wealth Limited makes no representation or warranty, express or implied, regarding the fairness, accuracy, or completeness of this information.
Client accounts with Vault Wealth Limited are held with Interactive Brokers, a regulated financial institution. Cash balances in these accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to USD 2.5 million, subject to applicable limits and conditions. This coverage is provided by Interactive Brokers and is not a guarantee from Vault Wealth Limited. For more information about FDIC insurance, please visit the FDIC website.
Frequently Asked Questions
Invest
Why should I invest with Vault?
At Vault, we believe in putting our clients first, empowering them to make conscious investment choices. Unlike big banks that are often incentivized by commissions or product sales, we're incentivized for your long-term success. We offer a personalized approach to investing that takes into account your unique financial goals, risk tolerance, and other factors, and we use cutting-edge technology to provide you with a seamless investing experience.
What percentage returns should I expect?
Our diversified portfolios aim to provide an expected annualized return of 5-10% p.a.
What are the risks when investing in one of Vault’s portfolios?
Like all investments, there are risks associated with investing in Vault's portfolios. However, our investment strategies are designed to minimize risk and maximize returns over the long-term. We take a proactive approach to managing risk in our portfolios. We diversify investments across different asset classes and sectors to reduce the impact of any one security or market on the overall portfolio.
Can I withdraw my investments at any time?
All our portfolios are fully liquid, which means that you can sell or withdraw your investment at anytime.
About
How is Vault different?
At Vault, we believe in putting our clients first. Unlike big banks that are often incentivized by commissions or product sales, we're incentivized for your long-term success. We offer a personalized approach to investing that takes into account your unique financial goals, risk tolerance, and other factors, and we use cutting-edge technology to provide you with a seamless investing experience.
Am I eligible to invest with Vault?
Any individual or family is eligible to open an account, except for US Citizens, Residents or Green Card holders.
In which countries am I eligible to invest?
You can open an account and invest from any country as long as its not a sanctioned or restricted jurisdiction.
Do I have to pay taxes when Vault opens an offshore US account for me?
Vault is designed for non-US residents and nationals; therefore, we do not offer services to American citizens or residents. Our diversified portfolios are designed for non-US taxpayers. All underlying investments are UCITS domiciled in Ireland or Luxembourg. Consequently, no capital gains, withholding, or income tax applies to our diversified portfolios. A prerequisite of opening an account is signing a W8Ben form confirming that you are not a US tax resident. Therefore, interest on cash holdings is tax-exempt, as there is no US withholding or US tax implications. You may have tax implications based on your country of residence; therefore, we always recommend you speak with your tax advisor to assess any local repercussions. However, for clients who are only tax residents in the UAE, you do not have any withholding, income, or capital gains taxes on your holdings through Vault.
Pricing
What are Vault's fees?
At Vault, we recognize the prevalent issue of advisors being driven by fees rather than your best interests. To counter this, we've eliminated any entry and exit fees. Instead, we operate on a simple and transparent annual fee structure.
Am I charged an Entry or Exit fee?
No. We only take an Annual Platform Fee on assets invested through our platform.
Plan
How will my advisor create a personalized investment plan for me?
At Vault, our advisors work closely with you to develop a personalized investment plan that reflects your unique financial goals, risk tolerance, and time horizon. During an initial consultation, your advisor will gather information about your financial situation, including your income, expenses, and assets. Based on this information, your advisor will work with you to define your investment objectives, identify your risk tolerance, and determine your optimal asset allocation.
Using this information, your advisor will create a personalized investment plan that is tailored to your specific needs and goals.
Using this information, your advisor will create a personalized investment plan that is tailored to your specific needs and goals.
During what stages of my investment journey will I have access to an advisor?
At Vault, we believe in providing our clients with personalized support throughout their entire investment journey. Whether you're just starting out or have been investing for years, you'll have access to an advisor at every stage of your investment journey.
What qualifications does my advisor have?
At Vault, we take great care in selecting and training our advisors to ensure they have the expertise and qualifications necessary to provide you with the best possible investment advice and support. Our advisors are all registered with the relevant regulatory bodies and come with a combined 50 years experience in wealth management, having worked with the largest international banks in the country.
How can I get in touch with my assigned advisor?
You can get in touch with your assigned advisor through phone, email or the client portal through dashboard.
Asset Protection
Is Vault a regulated financial institution?
Yes, Vault is regulated by the Financial Services Regulatory Authority "FSRA" in the Abu Dhabi Global Market "ADGM".
How does Vault keep my money safe?
At Vault, we take the security of our clients' money very seriously. To ensure that your investments are safe and secure, we use industry-leading account protection measures. Your investments are held in your own name with a custody bank offshore, which means that your assets are fully segregated and protected in the event of any issues with our firm. We're also regulated by the Financial Services Regulatory Authority (FSRA) in Abu Dhabi Global Market (ADGM), which provides an additional layer of oversight and protection. Additionally, your accounts with Interactive Brokers (IBKR), our broker-dealer partner, are insured by the Securities Investor Protection Corporation (SIPC) and the Federal Deposit Insurance Corporation (FDIC) for up to $2,750,000. This means that you can invest with confidence, knowing that your assets are protected by a comprehensive system of safeguards.
Who are Interactive Brokers?
Interactive Brokers (IBKR) is a publicly listed US Brokerage Firm with a total AUM of USD 360B and a total of 2M+ clients.
On a consolidated basis, IBG LLC exceeds $10.9 billion in equity capital, over $7.7 billion in excess of regulatory requirements.
Interactive Brokers LLC is rated "A-" Outlook Stable by Standard & Poor's.
On a consolidated basis, IBG LLC exceeds $10.9 billion in equity capital, over $7.7 billion in excess of regulatory requirements.
Interactive Brokers LLC is rated "A-" Outlook Stable by Standard & Poor's.
Where is my money held?
You will simply open an account in your own name with our Custodian Banks. Your money will be held Offshore in the US with banks such as Citi US or US bank.
What happens if I leave the country?
Since your account is held Offshore, you would simply just need to update your new country of residency and tax declaration.
What happens to my money if Vault goes public, is acquired, or closes?
In the event that Vault Wealth were to go public, be acquired, or close, your investments would remain yours and would not be affected by these changes. Your investments are held in your own name with a custody bank offshore, which means that your assets are fully segregated and protected in the event of any issues with our firm.
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