Auto-invest with Derayah Smart
Fundamental research, data-driven insights and seamless portfolio management at your fingertips.
Download the Smart App
What is Derayah Smart?
Derayah Smart
Start your financial journey with personalized strategies to assist reaching your financial goals.
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Robo
advisory
Enjoy hands-off investing that is tailored to your unique financial goals.
Dynamic
rebalancing
Adapts to market changes with automated, strategy-aligned adjustments.
Performance
tracking
Monitor your portfolio performance easily through intuitive tracking features.
Trust and
security
Managed by a company licensed by the Capital Market Authority since 2009.
How Derayah Smart works
Start your investment journey with a few simple steps.
Learn MoreStep 1
Sign up and set your preferences
Get started in under 3 minutes and complete simple personal information.
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Enter your basic information -
Create your username and password
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Verify your ID easily via digital authentication
Enter your basic information
Step 2
Choose your investment strategy
Select from Conservative, Balanced, or Aggressive plans tailored to your financial goals.
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Complete a few simple questions
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Explore and review the suggested strategies
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Select and confirm your strategy
Step 3
Fund your account
Deposit funds swiftly and securely using Apple Pay or bank transfer.
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Select a payment method to use
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Enter the deposit amount you wish to invest
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Start investing right away
Step 4
Monitor and manage
Track your investments and adjust your contributions using the app’s dashboard.
Get started-
Easy to read performance dashboard
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Simple contribution control
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Manage multiple portfolios and goals
Choose the plan that best suits you
Streamline your financial goals with automated investing.
Conservative
Gentle Growth with Low Risk
- Equities: 15.0%
- Sukuk: 75.0%
- Money Market: 9.0%
- Cash: 1.0%
Ideal for risk-averse investors seeking stable returns with minimal volatility.
Low risk
2024 returns 6.0%
Balanced
Harmonize Risk and Retrn.
- Equities: 55.0%
- Sukuk: 42.5%
- Money Market: 1.5%
- Cash: 1.0%
Best for investors seeking a balance of growth and stability at moderate risk levels.
Medium risk
2024 returns 15.3%
Aggressive
Higher Risks for Higher Returns.
- Equities: 90.0%
- Sukuk: 9.0%
- Money Market: 0.0%
- Cash: 1.0%
Suited for risk-tolerant investors aiming for high returns with substantial volatility.
High risk
2024 returns 23.6%
*Past performance is not indicative of future results and should not be viewed as a guarantee of future returns.
Smart resources to help you invest
The Smart app has in built resources to help you make the best decisions on your investments.
Investment calculator
Estimate your future portfolio value based on your planned deposit and contributions.
Market updates
Stay updated with Derayah’s portfolio performance and expert insights
Get Started in 3 Minutes
Download the Derayah Smart App
Create your Smart account
Choose a strategy to start investing
FAQ
What is the minimum subscription amount?
The minimum subscription is SAR 500.
How many portfolios can I open on Derayah Smart?
You can open up to five portfolios with different names and strategies, depending on your investment goals.
What are Derayah Smart’s fees?
The annual fee is 0.65%, deducted monthly.
When can I withdraw my money from Derayah Smart?
You can request a withdrawal 5 business days after your last deposit, and it will take 5 to 7 business days for the cash to be returned to your main account in Derayah.
Are Derayah Smart investments Shariah-compliant?
Yes, all current and future investments on Derayah Smart comply with Shariah principles.