Where Do I Put An Extra AED 50,000 That I Don't Need For A Year?

For the short term leaving AED 50,000 in the bank is not a bad option but let's look at the opportunity cost. First let's review where not to put it.

I'm going to assume a few things here:

• AED 50,000 is a significant chunk of your net worth.
• This isn't an emergency fund but a genuine surplus beyond that.
• You might need the money soon or you might not.
• I'm assuming loss at the wrong time could be devastating.

I'm assuming you'd panic if your AED 50,000 turned into AED 25,000 by the end of 2025.

Here's some ways you can easily make that happen for free...

DON'T do these things:

1. Dumping It Into Broad-Based ETFs

I love low-cost ETF strategies as much as anyone, but this is NOT the situation a love of ETFs would serve you well. Why?

ETFs like VOO are designed for long-term growth. If you are really tempted to buy an ETF, put money you really do not need or can easily replenish with your active income.

So put AED 500 or 1000 on Wio only if you really just want to "get started".

Especially if you want to achieve financial freedom early... please DON'T play a long-term game with short-term thinking.

Unless AED 50,000 is a tiny fraction of your net worth you are gambling and will lose money before the year ends.

2. Dumping It Into a 60/40 Portfolio

A VWRA/IGLA split is not for you at this stage.

Any attempt to exit in less than a year, you're attempting to time the market.

Same as above. You will sell at a loss.

3. Jump on the crypto bandwagon

I understand the desire to explore and learn about BTC/ETH or copy someone to look cool...

But this is not appropriate for the level of capital and timeline and lacks direction...

So remember I've told you in advance. No. Just no.

You are playing with fire.

4. Investing Abroad "Because You Trust the Indian Market"

If you have no intention of living in India, this is a disaster waiting to happen.

Currency risk and devaluation mean you're unlikely to bring the money back in AED or USD.

So you just lost some money by moving it around and will likely never touch it again.

Which might be OK depending on your situation 1 year from now.

5. Sarwa / Wahed Invest / Wealthfront

Anything automated and invested is long-term.

You will lose money. And now, you've also paid fees for the privilege.

Bonus:

6. Starting a Trading Side Hustle Because You Have Some Extra Cash

I don't believe in side hustles at all. You've got to be willing to lose hundreds of thousands of dollars if you want to gain exceptional trading skill. You will also likely have to put in more hours than a full-time job to gain anything close to competence.

Don't bother starting if you're not planning to go all the way. If you're just dabbling because you don't know what else to do with the cash, you're diluting your capacity to gain actual skills—thus reducing your earning power by wasting time on hard skills you don't plan to master.

So What Are Your Best Options?

I have no affiliations. This is just my opinion.

Please do your own research and fact check.

1. National Bonds / Sukuks (5% p.a.)

• Shariah-compliant and government-backed.
• Earn around 5% per year.
• Capital is protected.

2. High-Yield Savings Accounts (5% p.a.)

• Wio Bank & Sarwa Save offer 5% returns.
• Instant access to cash.
• Almost zero risk.

You will beat inflation with the above options with reasonable liquidity.

3. Short-Term Investing With Me (15% p.a.)

I offer several options with a less than 1-year tenure, where you get net 15%.

3x more than anywhere else.

• Less liquidity that the HYSA.
• Possible downturn protection on principal and income.
• Max 1.4% fees—40-60% less than competitors.
• Fee-free options available.

Bonus?

You'll get motivated to be financially free fast once you test my system.

Final Thoughts: Which Path Will You Take?

Your one-year options are...

• Need liquidity? Stick with National Bonds or High-Yield Savings Accounts.
• Don't mind giving up some liquidity for higher returns on a one-year investment tenure? You can get far higher returns, downside protection, and a head start to freedom when you work with me.

DISCLAIMER

This Is Not Traditional Wealth Management.

• I do NOT recommend products based on the commission.
• I do NOT entertain in-person meetings at any ticket size.
• I do NOT give special treatment if you invest more.

This article is for educational purposes only and provides general guidelines for financial planning and investment preparation.

It is not a substitute for personalized financial advice tailored to your specific circumstances.

Any financial outcomes mentioned are not guaranteed, as they depend on individual factors that can only be assessed through a direct consultation.

Professionalism and mutual respect are fundamental to my practice. Any form of disrespect or repeated rescheduling may result in removal from my prospect list.

I operate on a 100% virtual basis to deliver top 1% investment strategies at a fraction of the price, offering 40-60% less than similar services.

In-person meetings are not available at any stage, and requests for office-based consultations will not be accommodated.