Try WISE
Get a Personalized Investment Portfolio
Answer the following questions and we will design a portfolio for you. You can adjust the portfolio to fit your needs. The returns reflect historical performance. We track historical performance for more than 25 years to help you make more informed decision.
This is a sample of the actual WISE journey.
Invest in international markets in an Easy, Transparent and Cost Efficient Way
Easy
In few minutes, we create an investment portfolio that meets your goals.
Transparent
Monitor your investment portfolio anywhere and anytime.
Cost Efficient
One low fee and reduced taxes.
How it Works
Get to know you
We take you through a simple questionnaire. In few minutes we determine your financial goals, risk appetite and time horizon to create a portfolio that meets your needs.
Create a plan
WISE service follows a Nobel Prize-winning investment strategy. The principle of WISE is to invest for the long term in globally diversified portfolio to achieve the ideal balance between risk and return.
Invest your funds
We invest your money in low cost international funds across different asset classes called Exchange Traded Funds (ETFs). We re-balance your portfolio annually to the target allocation.
Expert guidance
Our investment advisors are available to assist you in order to achieve your investment objectives.
Features
Innovative approach that allows you to monitor your portfolio from your personal devices.
Details of your portfolio composition and performance will be available on your Mobile and Online Banking, in addition to a periodic statement sent to your email.
Costs cut from your returns, even a small difference in investment fees makes a big impact on your long term gains
Our goal is to keep the total cost of managing your investment under 1% without any hidden fees or commissions. Together with the yearly rebalancing benefits, WISE portfolios on average provides a 1.4% extra return to your investment.
The foundation of the strategy is Nobel Prize-winning Modern Portfolio Theory, developed after years of academic researches and proven tangible results.
The results showed that diversification and investing for the long term are key components to reach future financial goals while keeping your risk exposure at a minimum.
Meet our certified Investment Management team
Dalya Al-Qassem
Head of Investment Management
Dalya Al-Qassem is Head of Investment Management Division at Gulf Bank and has 17 years of experience in equity investment, real estate, wealth management, financial analysis, and fund management. She joined the Wealth Management Department in January 2011 and helped in the establishment of the Consumer Investment Unit in 2013. Mrs. Al-Qassem co-lead the GBK team that created and launched “WISE”, the first digital investment platform in Kuwait. She is responsible for investment and financial advisories to HNW & UHNW clients by designing customized investment solutions for clients as a registered Investment Advisor & Portfolio Manager with the Capital Markets Authority in the State of Kuwait. Prior to joining Gulf Bank, she had worked in BNP Paribas for 6 years managing clients’ portfolios in the Wealth Management Department. She started her career as an analyst in the Asian Region department in Kuwait Investment Authority after completing a 1-year internship at JP Morgan in the M&A Department. Mrs. Al-Qassem holds a Bachelor’s of Science in Computer Science and Systems Engineering from Richmond University in London.
Rouquiah Al-Rifae
Investment Manager
Rouquiah Al-Rifae is a Senior Investment Manager with more than 15 years of experience. She is responsible for providing financial advice to Private clients on a range of investment products and evaluating such products that fit the clients’ profile and financial needs. Prior to working in Gulf Bank, she was an Investment Analyst in Commercial Bank of Kuwait (CBK) and worked at Kuwait and Middle East Financial Company (KMEFIC) analyzing stocks and managing in-depth financial valuations of different companies. Mrs. Al-Rifae earned her Bachelor’s Degree from the University of Denver, Colorado in 2003.
Ahmad Al-Fuwaires
Investment Manager
Ahmad Al-Fuwaires is an Investment Manager with over 13 years of experience in the financial sector who worked in investments and real estate development institutions before joining Gulf Bank in 2017. Al-Fuwaires has served as a board member in several companies and is a registered Investment Advisor Representative with the Capital Markets Authority in the State of Kuwait. Ahmed holds a Bachelor’s of Business Administration with a focus in E-Commerce and Information Systems from Seattle University.
Hanan Al-Ashwak
Investment Manager
Hanan Al-Ashwak is an Investment Manager with over 8 years of experience in the banking sector. She was a part of Gulf Bank’s development team that launched “WISE”, the first digital investment platform in Kuwait in 2016, and is responsible for providing investment advise for affluent clients. Hanan is registered as an Investment Advisor Representative with the Capital Markets Authority in the State of Kuwait, and earned her IISI certificate in the investment field. Hanan holds a Bachelor’s Degree in Environmental Technology Management from Kuwait University.
Mahmoud Galal
Business Development
Mahmoud Galal joined the Investment Management Division as a Business Development Associate, with over 8 years of experience in the international securities and investment industry. During his 5 years, he managed to introduce new investment portfolios and improve the customer experience through digital enhancement projects. Prior to joining Gulf Bank, Mahmoud spent 3 years working in Asiya Investments as an Economic Analyst. He has covered 12 countries and monitored the firm’s long-only equity fund. He also published a number of articles in key newspapers. Mahmoud graduated with a Bachelor’s of Business Administration from Misr International University and has completed the CFA Investment Foundation Program.
Disclaimer
Gulf Bank offers restricted advice, limited to recommending a suitable model portfolio. We will not assess the client's full financial position, yet we will consider the client's disclosed financial circumstances. We do not provide tax advice. Gulf Bank cannot guarantee any level of performance and/or that any client will avoid a loss of account assets. Any investment in securities involves the possibility of financial loss (including the loss of principal) that clients should be prepared to bear if/when occurs. Past performance is no guarantee of future results, and historical return distributions may not reflect actual future performance.