HAYAH × HSBC Asset Management: The UAE’s First Shariah-Compliant Glidepath Portfolios

Faith-aligned innovation meets disciplined investing, a UAE-first achievement for HAYAH and HSBC Asset Management.

A Landmark for Faith-Aligned Savings and Retirement

At HAYAH Insurance, our mission has always been clear: to make long-term saving smarter, simpler, and built around real goals. Now, we’re taking that mission one step further.

In partnership with HSBC Asset Management, we’ve launched the UAE’s first Shariah-Compliant Glidepath portfolios, developed under our Model Portfolio Service and now available within both Smart Saver and Simple Saver plans.

This milestone brings together the rigour of modern portfolio design and the principles of Shariah investing, giving UAE savers a values-based way to grow their wealth with confidence and purpose.

For the first time in the UAE, investors can access a faith-aligned, automated investment journey that evolves seamlessly with their goals, a UAE-first that sets a new benchmark for inclusive finance.

The Next Step in Smart Saving

Smart Saver and Simple Saver have already redefined how people save and invest in the UAE. 

Smart Saver is a plan designed to help investors reach milestones such as education, home ownership, and retirement, with flexible contributions and professional portfolio management.

Simple Saver provides an easy and accessible way to start saving, designed for individuals who value consistency and clarity.

Now, both plans allow customers to choose between conventional and Shariah-compliant glidepath portfolios. This expansion gives every saver the flexibility to invest in line with their performance preferences and beliefs, without compromising on structure, discipline, or transparency.

The Glidepath Approach: Built for Resilience and Purpose

A Glidepath is a sophisticated investment strategy that automatically adjusts its asset mix as you move toward your goal. When your goal is distant, it focuses on growth. As you get closer, it gradually stabilizes.

However, our Shariah-Compliant Glidepath, designed in collaboration with HSBC Asset Management, has key features that set it apart:

Always Diversified: Unlike typical glide paths that may start at 100% equity, our approach is diversified at every point in time. The Shariah-compliant equity quota is always between 0% and 100%, managing risk from day one.

Reverse Glide Path Construction: The strategy is built using a unique "reverse glide path construction" method. This sophisticated approach starts by defining the low-risk portfolio for a 1-year horizon and then builds backward, considering all future transfers. This ensures a "smoother transfer" and a more consistent, logical de-risking journey.

This journey is powered by five distinct Shariah-compliant multi-asset portfolios (or "building blocks"), each with a different risk profile. The glide path automatically transitions you through these portfolios.

 For example:30-Year Horizon (Growth): The allocation is weighted toward growth, with a Shariah-compliant equity quota of 95%.

Transition Phase: The portfolio begins shifting from its most return-oriented allocation at approximately the 24-year mark.

5-Year Horizon (Protection): The investment is transferred to the most risk-averse position to protect your capital as your goal nears.

Faith-Aligned and Professionally Governed: Each Shariah-Compliant Glidepath portfolio is constructed and monitored in accordance with strict Islamic finance principles.

The portfolios are built from a specific, pre-screened universe of Shariah-compliant asset classes, including: Sukuk Bonds, Shariah-compliant Global, US, European, Japanese, and Emerging Market Equities, Shariah-compliant Property, and Gold.

Portfolios exclude sectors such as conventional banking, alcohol, tobacco, and gambling, focusing instead on ethical companies and real assets.

Key features include:

• Diversified exposure across the full range of Shariah-compliant asset classes.

• Continuous oversight from an independent Shariah Supervisory Board.

• Automatic, consistent rebalancing and lifecycle management through HAYAH’s Model Portfolio Service.

• Full transparency on holdings and methodology. Together, these features create a disciplined investment journey, where performance and principle move in harmony.

Driven by Insight and Innovation

This isn't just a theoretical model. The glide path design was tested using stochastic simulations, running the allocations through 5,000 synthetic capital market scenarios to analyse its characteristics and ensure its robustness. This deep analysis allows us to blend disciplined portfolio design with cultural and financial relevance, aligning modern investing frameworks with the real-life goals of UAE savers.

Enhancing Smart Saver and Simple Saver

The Shariah-Compliant Glidepaths are now an integral investment option within both of HAYAH’s flagship savings plans:

Smart Saver: A flexible, goal-based plan. Set your goal, choose your contribution, and select your investment preference—conventional or Shariah-compliant.

Simple Saver: A straightforward plan for everyday savers. It includes the same choice of conventional and Shariah-compliant Glidepaths, both professionally managed.Whether you prefer the flexibility of Smart Saver or the ease of Simple Saver, HAYAH offers one consistent promise: your savings evolve with you and your values.

Who It’s For: The Shariah-Compliant Glidepath portfolios are designed for:

• Professionals and families saving for retirement, education, or major life goals.

• Faith-conscious investors who want their money to reflect their beliefs.

• Employers offering workplace savings options for diverse teams.

• Anyone seeking an automated, hands-off investment model built on ethical oversight.

Innovation, Integrity, and Inclusion

For HAYAH, this launch is about more than expanding investment options; it’s about empowering choice.The Shariah-Compliant Glidepath stands as a clear expression of that philosophy: innovation and integrity, working together.This launch represents a meaningful intersection of financial innovation and ethical stewardship. It underscores HAYAH’s role in shaping a financial future that’s not only digital and data-driven, but inclusive and purpose-led.

Invest With Faith. Plan With Confidence.

The UAE’s first Shariah-Compliant Glidepath portfolios, developed by HAYAH Insurance in partnership with HSBC Asset Management, are now available within Smart Saver and Simple Saver. Discover how you can grow your wealth ethically, intelligently, and digitally under HAYAH’s Model Portfolio Service.

Visit www.hayah.com to learn more and start your journey today.