Simple Saver with BlackRock: Built for long-term growth

Most people save to make progress. You might be planning for the future, supporting your family, or building a financial safety net. Saving helps you feel secure, but with markets changing rapidly and prices rising, traditional accounts may not keep pace.

HAYAH Simple Saver, backed by BlackRock’s global investment experience, can help. It offers automated saving and access to BlackRock’s diversified, risk-based portfolios, giving you a structured, long-term way to grow your money.

Simple Saver puts your savings into BlackRock’s Conservative, Moderate, and Growth portfolios. Each one is built to balance growth with long-term stability.

A simpler, smarter savings experience

Simple Saver is easy to use, even though the investment process behind it is advanced. You decide how much to save, and the BlackRock-managed portfolios take care of the rest.

What Simple Saver offers:

• Automatic monthly contributions

• Global diversification through BlackRock’s multi-asset portfolios

• Professional investment management

• Risk-aligned strategies that match your comfort level

• Ongoing rebalancing and disciplined portfolio oversight

Simple Saver’s strength comes from the way BlackRock’s portfolios are built and how they adapt to changing markets.

A clear progression of risk across BlackRock’s three profiles

Simple Saver uses BlackRock’s tiered portfolio system. As you go from Conservative to Growth, BlackRock increases global equities, lowers fixed income, reduces cash buffers, and aims for higher long-term returns.

Volatility and allocation overview (BlackRock Portfolios)

• Conservative: 5–8% volatility | 53.60% fixed income | 38.20% equities

• Moderate: 5–10% volatility | 47.40% fixed income | 47.40% equities

• Growth: 10–15% volatility | 10.50% fixed income | 84.50% equities

All three portfolios maintain a consistent 3.5% allocation to gold, acting as a long-term diversifier.

This setup lets you see a clear and predictable change in risk and return when you choose your profile with Simple Saver.

Global diversification designed by BlackRock

One big advantage of Simple Saver is that it invests in portfolios that don’t depend on just one market, region, or economic cycle. BlackRock builds these portfolios with a global mix of:

• Developed market equities (33.2% increasing up to 73.5%)

• Emerging market equities (5.0% increasing up to 11.0%)

• Global fixed income across credit and sovereign markets

• Investment-grade and high-yield credit

• Emerging market debt

• EUR Climate bonds

• USD and EUR CLOs

• Cash buffers that contract as growth exposure increases

This mix helps lower concentration risk and aims to give you more reliable long-term results.

This means your savings benefit from a stable, globally managed approach instead of being tied to just one market.

Monthly positioning: Guided by BlackRock’s market view

Since Simple Saver invests in BlackRock portfolios, it benefits from BlackRock’s monthly reviews and adjustments.

The latest updates showed a unified, growth-focused approach across all three profiles.

Across Conservative, Moderate, and Growth:

• Increased U.S. and emerging market equity exposure

• Reduced Canadian equities

• Reallocation from traditional Bunds into EUR Climate bonds

• Added USD and EUR CLOs

• Duration maintained at neutral

• FX hedging was applied consistently.

In Moderate and Growth portfolios:

• Increased global factor exposure

• Higher allocations to USD IG, USD HY, and EUR HY

• REIT reductions to fund credit opportunities

These updates reflect BlacThese updates show BlackRock’s careful view of global markets and its steady approach to managing risk.ive and Consistent Across Timeframes.

As a Simple Saver customer, you see the results of BlackRock’s portfolio management firsthand.

Recent Performance (BlackRock Portfolios)

• Conservative: 2.08% MTD | 7.75% YTD | 9.87% 1Y

• Moderate: 2.42% MTD | 8.39% YTD | 10.91% 1Y

• Growth: 3.70% MTD | 10.91% YTD | 14.91% 1Y

Long-term results are strong too, especially in the Growth profile, where more equity exposure leads to higher returns over time.

Peer rankings

The three portfolios consistently rank at the top of their Morningstar categories for monthly, year-to-date, one-year, and three-year periods.nd active oversight behind BlackRock’s approach.

What drove performance during the period

BlackRock’s portfolios benefited from multiple return drivers.

Key Contributors

• Strong performance from U.S. and emerging market equities

• Sector strength led by technology and industrials

• Enhanced index and factor exposure contributing to returns

• EM debt outperforms U.S. and EUR high yield.

• Gold supporting diversification

• U.S. Treasuries delivering value in the middle of the curve

Detractors

The primary detractor across profiles was FX hedging.

Importantly, BlackRock’s core exposures did not produce any significant negative impact.

This highlights the benefit of having a globally diversified, multi-asset portfolio.

Risk distribution: structured for long-term stability

BlackRock’s portfolios show a clear and well-managed breakdown of risk. Contribution

• Conservative: 5.68%

• Moderate: 7.00%

• Growth: 13.83%

As risk increases, equity exposure rises while:

• Rate risk declines materially.

• Credit risk stays measured.

• FX risk remains controlled.

• Total volatility stays within target ranges.

This careful design helps make sure you experience risk that matches your chosen profile.

Why Simple Saver is a strong long-term savings solution

Simple Saver combines easy automated saving with the discipline of BlackRock’s global portfolio management. You benefit from:

• A globally diversified investment engine

• Clear risk profiles aligned with long-term objectives

• Monthly oversight and rebalancing by BlackRock

• Diversification across equities, bonds, credit, and gold

• Strong performance across multiple time horizons

• A hands-off experience built around real saving habits

It’s a simple and reliable way to grow your savings with a globally managed investment approach.

Final word: Saving made simple, growth made global

Simple Saver makes saving clearer and more structured, removing unnecessary complexity.

By combining HAYAH’s customer-first design with BlackRock’s disciplined, global portfolios, Simple Saver offers a dependable way to achieve long-term financial growth.