01The fee-drag comparator

Same money in. Wildly different money out.iYour monthly amount is grown three ways: gross return minus each scenario's annual fee drag. Set any slider to the reduction in yield (RIY) printed on your own plan illustration.

A savings plan is a long-term, unit-linked investment plan sold by advisers in the UAE: a fixed amount paid every month for 10 to 25 years, with fees taken at several layers along the way. This shows what those fees really cost over the full term.

Your plan

Monthly contribution (AED)

Term 25 yrs

Gross return assumption 7.0%

The headline, in dirhams

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Headline scenario

Scenario A

Legacy contractual planiPre-2020 unit-linked plans (Vista / Premier type): your first 18 to 24 months of premiums become initial units that carry an extra charge for the whole term, plus admin and fund fees. Indicative preset near 4%/yr.

Total annual fee drag 4.0%

Value at term

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Lost to feesiThe zero-fee pot minus this scenario's value at term. It counts the fees themselves and the compound growth those fees would have earned.

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Scenario B

Current UAE planiPlans sold after October 2020 under BOD-49 commission caps. Platform, insurance and fund charges still stack to roughly 2.5%/yr; indicative preset.

Total annual fee drag 2.5%

Value at term

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Lost to feesiThe zero-fee pot minus this scenario's value at term. It counts the fees themselves and the compound growth those fees would have earned.

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Scenario C

DIY index portfolioiA low-cost broker plus global index ETFs: fund TER near 0.2% plus platform and FX costs, roughly 0.5%/yr all in. Indicative preset.

Total annual fee drag 0.5%

Value at term

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Lost to feesiThe zero-fee pot minus this scenario's value at term. It counts the fees themselves and the compound growth those fees would have earned.

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Zero-fee benchmark DIY index Current plan Legacy plan Your contributions

Scenario	Annual drag	You pay in	Value at term	Growth you keep	Lost to fees	% of pot lost

Fee levels are indicative, as of July 2026; drag the sliders to match your own plan's illustration.

02SIP calculator

The clean version: what monthly investing builds.iA SIP (systematic investment plan) is a fixed amount invested every month. Set your target here, then use the comparator above to check what a product's fees would take from it.

A SIP, short for systematic investment plan, simply means investing a fixed amount every month yourself into low-cost funds. Set a monthly target below and see what it could grow into.

Your SIP

Monthly amount (AED) Years 10 Expected annual returniA gross annual return before any product fees. Actual market returns vary year to year; lower it to be conservative. 7.0%

Contributions vs growth–

Growth – Paid in –

Future value

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You pay in

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Market growth

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What you put in Balance with growth

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Where the numbers come from

Fee-drag presets are indicative composites, as of July 2026, of published charge structures for plans widely sold to UAE residents. Legacy preset (~4%/yr): Vista/Premier-type structures stacking an initial-unit charge of about 4%/yr on the first 18–24 months of premiums for the full term, a plan management charge of roughly 1–1.5%/yr, a fixed monthly policy fee, and mirror-fund TERs of 1–2%+. Current preset (~2.5%/yr): post-BOD-49 plan structures (UAE Insurance Authority Board of Directors' Decision No. (49) of 2019, effective October 2020, now administered by the Central Bank of the UAE). DIY preset (~0.5%/yr): a low-cost broker plus global index ETFs. Your own plan's illustration states its exact reduction in yield; set the sliders to that figure.

Disclaimer

This page is an educational illustration only and is not financial, legal or tax advice, and not a recommendation to buy, hold or surrender any product. Fee levels shown are indicative composites as of July 2026; individual plans vary widely. Product names are referenced for identification only. Always verify charges, surrender values and terms with your provider and consult the CBUAE rulebook or a licensed adviser before acting.

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