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.

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How Much Do You Want to Invest?

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How Long Do You Want to Invest For?

Create Portfolio

This is a sample of the actual WISE journey.

WISE Investments from Gulf Bank provides customers with an advanced digital platform to start investing in diversified international markets in an easy, transparent, and cost-efficient way while keeping track of investment progress anytime and anywhere. WISE portfolios help clients achieve their financial goals and grow their wealth over time.

Easy

Easy

In few minutes, we create an investment portfolio that meets your goals.

Transparent

Transparent

Monitor your investment portfolio anywhere and anytime.

Cost Efficient

Cost Efficient

One low fee and reduced taxes.

How it Works

Get to know you

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

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

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

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.

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

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.
 

FEES
  WISE Typical Funds
Subscription Fees 0% 1% - 2%
Redemption Fees 0% 0.5% - 1%
Management fees(Annual) 0.85% 1% - 2%
Additional Returns
Auto Rebalancing 0.4% 0%         

 

You can now invest with WISE Shariah-Compliant portfolio

You can now invest with WISE Shariah-Compliant portfolio

Gulf Bank is pleased to offer customers an international investment portfolio in compliance with Shariah law. WISE Islamic portfolio will provide you with high exposure in international equities and gold to cater for your investment principles.

Meet Our Certified Investment Management Team

Dalya Al-Qassem

Dalya Al-Qassem

Head of Investment Management

Dalya Al-Qassem is the Head of Investment Management with 17 years of experience in equity investment, real estate, wealth management, financial analysis, and fund management. She joined the Wealth Management Department at Gulf Bank in January 2011, and helped founding the Consumer Investment Unit in 2013. Mrs. Al-Qassem co-lead the GBK team that built and introduced “WISE”, the first digital investment platform in Kuwait. She is responsible for the investment advisors at Gulf Bank, as well as designing customized investment solutions for the clients, as she is a registered Investment Advisor & Portfolio Manager with the Capital Markets Authority in Kuwait, where she has exceled in both institutional and client relationship management. Prior to joining Gulf Bank, she had worked for 6 years at BNP Paribas, managing clients’ portfolios in the Wealth Management Department. Mrs. Al-Qassem holds a Bachelor of Science in Computer Science and Systems Engineering from Richmond University in London in the UK.

Rouquiah Al-Rifae

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 at Gulf Bank, she was an Investment Analyst in the Commercial Bank of Kuwait (CBK), and had also 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 in Colorado in the US.

Ahmad Al-Fuwaires

Ahmad Al-Fuwaires

Investment Manager

Ahmad Al-Fuwaires is an Investment Manager with over 13 years of experience in the financial sector. He worked in investments and real estate development institutions before joining Gulf Bank in 2017. Al-Fuwaires had served as a board member in several companies and is a registered Investment Advisor Representative with the Capital Markets Authority in Kuwait. Ahmed holds a Bachelor of Business Administration degree with a focus in E-Commerce and Information Systems from Seattle University in the US.

Hanan Al-Ashwak

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 she is responsible for providing investment advise for affluent clients. Hanan is registered as an Investment Advisor Representative with the Capital Markets Authority in Kuwait, and has earned her IISI certificate in the investment field. Hanan holds a Bachelor’s Degree in Environmental Technology Management from Kuwait University.

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.

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