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Commercial Bank of Dubai

International Investment Plan (IIP)

What is IIP?

  • With IIP you make fixed monthly investments to save towards a target goal amount.
  • Investments are deployed into portfolios of mutual funds that suit your specific risk profile and time horizon.
  • IIP takes away the uncertainties of market timing and hence is better than investing your capital as a lump sum.
  • By investing the same amount every month, you have the benefit of “dollar cost averaging” through buying fewer investment units when prices rise but more units when prices fall.
  • The sooner you start investing, the more you benefit from the “power of compounding.”


Complete transparency and no-lock up

There are no hidden charges. There is neither a minimum period of investment nor any lock-up period. Your investments can be redeemed at any time without any penalty.


World-class offering

CBD IIP portfolios are advised and powered by Morningstar. Your funds are invested in “actively managed” portfolios that are advised and powered by Morningstar, the leading independent fund research company in the world.


Become a disciplined investor

Being disciplined is the key to investing success. With the CBD IIP you commit an amount of your choice to be invested every month in one of our portfolios. You will see your investments accrue month after month.


Reach your financial goal

By investing an amount of your choice every month, you can plan for and meet financial goals, like funds for a child’s education, a marriage in the family or a comfortable retirement life.


Lighter on the wallet

Reap benefits of starting early with an affordable amount and see how a little every month can go a long way.


Take advantage of ‘dollar-cost averaging’

‘Dollar-cost averaging’ is the technique of buying a fixed dollar amount of a particular investment on a regular schedule, regardless of the investment price. More investment is purchased when prices are low and fewer when prices are high. Through disciplined and regular investments, you can stop worrying about when and how much to invest.


Grow your investment with compounded benefits

The longer the time-frame, the larger are the benefits of compounding. Start early + Invest regularly = Create wealth.


Convenience and peace of mind

Investing with CBD IIP is easy. The monthly investment sum is automatically debited from your account for an amount of your choice towards your individual portfolio.


Investment Options

Your investment option will be based on your risk profile and will be invested in one of the three portfolios:

  • CBD Cautious Portfolio
  • CBD Moderate Portfolio
  • CBD Adventurous Portfolio

 

Portfolios are constructed by using mutual funds investing in equities and bonds.

Risks: IIP investments are deployed in diversified and actively managed portfolio of top notch mutual funds to generate superior returns over long term. However, mutual funds are subject to market fluctuations including loss of capital invested. Investments are not guaranteed by the bank.

Risk Profiling Questionnaire

Check your investor profile in order to determine the best investment portfolio that suits your time horizon, objectives and risk tolerance.



Check your risk profile

Key Investment Terms

  • Eligibility: IIP is available to CBD account holder.
  • Minimum investment: AED 5,000 per month.
  • Minimum investment period: There is no minimum period, but recommended is 3 years.
  • Investment process: Automatic debit from your CBD account.
  • Break in investments: IIP can be stopped at any time and restarted at a later date without any charges.
  • Liquidity: Investments can be redeemed at any time with one month’s notice, without any charges.
  • Charges: Each monthly contribution is charged 2.5% on successful debit, for the entire term of the plan and there are no ongoing charges either at IIP level or portfolio level.

Frequently Asked Questions

CBD IIP is a method of investing a fixed sum, regularly, in a portfolio. CBD IIP allows an investor to buy units regularly on a specific date of the month. This will help in building wealth in the long term.

Once you identify the portfolio based upon your individual risk profiling assessment, the CBD IIP can be set up from any of your accounts in CBD.

No! The plan does not lapse. The auto debit will re-attempt to debit your selected account during next six days and resume next month as per plan.

You can withdraw any amount, anytime from your CBD IIP and there is no withdrawal charge applied.

You can withdraw any amount, anytime from your CBD IIP and there is no charge applied for withdrawing or closing the plan.

No! CBD IIP is an unconstrained non-contractually binding IIP. However we recommend three years for optimum performance.

Yes, you can borrow up to 50% of the market value of your portfolio.

Monthly debits appear in your bank statement for the selected account. We will provide you a detailed portfolio every six months. Also, you can check your monthly debit in your account statement.

The CBD IIP invests in across different asset classes and is not capital guaranteed. Your portfolio is advised and powered by Morningstar, the leading independent fund research company in the world, and we recommend a three year period for optimum performance.

CBD IIP can be set up for any CBD account holder other than US Citizens.

Disclaimer

This web-page is for information purposes only and does not constitute an offer or solicitation to purchase investment products. Investment products are not bank deposits or obligations and are not guaranteed by CBD or any of its affiliates or subsidiaries unless specifically stated. Investment and Treasury products are subject to investment risks, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors should refer to the relevant offering document(s) for detailed information and applicable terms & conditions prior to subscription. Investment products are not insured by government or governmental agencies. Investors investing in investments and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors home currency. Investment and Treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and Treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. Customer understands that CBD does not provide legal and/or tax advise and are not responsible for advising him/her on the laws pertaining to his/her transaction. CBD does not provide continuous monitoring of existing customer holdings.


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