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Overview

Investment Objectives

  • National Bonds Corporation offers Shari’a compliant saving based on a Mudarabah structure.
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  • The Mudarabah pool of assets seeks to provide bondholders and investors with a steady stream of return through an optimal allocation of assets across a highly diversified investment strategy.
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  • The broad investment return objective is to achieve consistent competitive returns across various market cycles, while often maintaining a conservative risk profile and preserving capital.
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  • The core investment philosophy is built on the principle of supporting disciplined and regular savings amongst investors and bondholders in order to achieve their savings and investments objectives.

Strategy

Structured Investment Approach

 

National Bonds Corporation follows a structured approach to investing with a focus on long term investment, whilst also being able to respond to tactical opportunities that may be present over the short term.

Risk-Return Alignment

 

National Bonds Corporation aims to take into account a risk level commensurate with its long-term return objectives.

Strategic Asset Allocation (SAA)

 

The company’s long-term investment strategy is guided by the Strategic Asset Allocation (“SAA”) decisions, through which it seeks to achieve competitive returns over the long term. Defining risk appetite is a priority to achieve an optimal Strategic Asset Allocation mix.

Vision

 

  • The broad investment return objective is to achieve consistent competitive returns across various market cycles, while often maintaining a conservative risk profile and preserving capital.
  • The broad investment return objective is to achieve consistent competitive returns across various market cycles, while often maintaining a conservative risk profile and preserving capital.

 

Process

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The Investment Policy serves as the overarching strategic investment framework for managing the Mudarabah pool investments

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The Investment Committee is delegated with overseeing the strategy implementation and on-ongoing monitoring of investment performance.

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The Investment Policy seeks to encapsulate a robust structure for controlling the detailed operational and administrative aspects of the investment pool’s assets.

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The Board of Directors being the ultimate decision-making body in the company, each of National Bonds Corporation Board and committees stemming from it, have responsibilities in the overseeing and implementation of this Policy, within a clearly defined framework.

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This Policy defines the objectives of the investment pool and the means for achieving them, including the responsibilities of stakeholders and guidelines under which the investment activities of the Fund operate.

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Under the direction of the Chief Investment Officer (“CIO”) and within well-defined guidelines, the company’s Investment Department implements the Investment Policy and continuously oversees the pool's investments.

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Risk management 

and compliance framework

Integrated Risk Approach

 

Following the investment pool’s approach in avoiding all obstacles impeding the achievement of its strategic objectives, this Department works to manage risks more effectively, by raising the level of awareness in all Departments, and leading the investment, financial, operational and executive operations in an integrated manner.

Risk Framework Guidelines 

 

The Risk and Compliance Department works closely with the Investment Team and the CIO to discuss potential risks, and how to manage and mitigate them during investment periods. The risk management system and the work of the Risk and Compliance Team is an integral part of the pool’s investment process.

Comprehensive Risk Coverage

 

National Bonds Corporation has adopted clear delegation powers to ensure that the investment process is conducted within several stages of checks and controls before final execution.

Collaborative Mitigation

 

National Bonds Corporation risk framework establishes the general guidelines for the risk management of the investment pool.

Delegation & Controls

 

National Bonds Corporation risk framework seeks to capture all dimensions of risk including but not limited to market, credit, liquidity and operational risks.

Ongoing Performance Monitoring

 

A comprehensive performance monitoring regime is maintained over the life of the investment.

Frequently asked questions

اختاروا الخطة التي تناسبكم واضغطوا على (ادخروا الآن) لتبدأ رحلتكم الادخارية بكل سهولة. أو حمّلوا تطبيق الصكوك الوطنية، وأنشئوا حسابكم وابدؤوا الادخار من أي مكان وفي أي وقت.

ستُضاف الجوائز تلقائياً إلى حسابك الادخاري.

نعم، سيُعاد احتساب العوائد بناءً على عدد الأشهر المكتملة من الخطة. وسيتم إيداع صافي العوائد، بعد خصم رسوم التسجيل، في حساب العميل(ة) على شكل صكوك 
ادخار.

لفتح حساب، يحتاج المقيمون في الإمارات إلى جواز سفر ساري المفعول وبطاقة الهوية الإماراتية أو صفحة التأشيرة، بينما يحتاج غير المقيمين إلى جواز سفر ساري المفعول وصفحة تأشيرة الزيارة أو ختم الدخول. أما لفتح حساب قاصر، فيُشترط تقديم هوية كل من القاصر والأب أو الوصي القانوني.