| Idea # | Currency | Underlying | Tenor | Rebate(Absolute) | Minimum Redemption Level(Capital Protection* at Maturity) | Barrier / Cap (Observed at Maturity)(Maximum Redemption Level at Maturity) |
|---|
Product mechanism is explained with the following sample scenarios, where the investor buys the SharkFin Note on Tesla Inc with tenor of 1 year and receives the payment at maturity as described below.
At maturity, investor receives the higher of (i) Minimum Redemption Level, and (ii) 100% of Initial Notional + Performance of equity underlying from Initial Price.
At maturity, investor receives 100% of Initial Capital + Rebate.
Dear ,
I hope this message finds you well.
I wanted to share some thoughts that may be valuable for your portfolio.
Traditional savings accounts often hover between 0.5% and 1.0%. Similarly, standard 12-month fixed deposits are currently offering returns in the range of 2.25% to 3.25%.
With inflation forecast to rise (the UAE central bank forecasts inflation of about 3% in 2026), your real rate of return — what you earn after inflation — is often negligible or even negative. To truly grow your wealth and outpace inflation, it is essential to consider shifting a portion of your portfolio into growth-oriented assets.
Given the current situation, a strategic shift to a more conservative, resilient posture is the best way to ensure you’re building a fortress around the wealth you have worked so hard to accumulate.
Mutual Funds are discretionary portfolios that provide recession-proof investment opportunities, allowing you to earn passive monthly dividend payouts and capital appreciation. These funds are professionally managed by a team of Fund Managers who adjust your portfolio depending on market conditions, generally yielding around 7% and above. Our discretionary funds are allocated into these 3 main funds:
I look forward to you having this discussion further with my Wealth Manager who will guide you through the process of understanding how these instruments can generate passive income opportunities and overall growth for your portfolio.
Dear ,
I hope this finds you well.
I am reaching out about a new investment structure we have launched that I think fits your wealth strategy perfectly — where you want market upside without the downside risk.
It is called SharkFin Notes, and here is the concept: you get equity participation PLUS your capital back. Always.
100% capital protected + full upside capture + guaranteed rebate if barrier breached.
| Scenario | Performance | You Receive | Return |
|---|---|---|---|
| Protected | Down 50% | $1,000,000 | 0% |
| Moderate | Up 20% | $1,200,000 | +20% |
| Strong | Up 25% | $1,250,000 | +25% |
| Barrier Hit | Up 50% | $1,180,000 | +18% |
Why this works: Capital Protected | Full Upside | Defined Risk | Guaranteed Rebate | Professional Grade
Pricing: 2-Year Tesla (18%) | NVIDIA (17%) | Alibaba (16%) | Gold (12%) | 1-Year Tesla (9.25%) | NVIDIA (9.25%)
Next step: Let’s schedule 20 minutes this week. Available Tuesday 10 AM / Wed 2 PM / Thurs 10 AM. Reply with your preference.
Dear Valued Customer,
I hope this message finds you well.
I’d like to share an exciting investment opportunity available through our fiduciary deposit program. Unlike a fixed deposit, where your funds are placed directly with us to earn interest, a fiduciary deposit involves us placing your funds with carefully selected partner banks to optimize returns.
Minimum deposit of AED 1,000,000. Below is a list of our partner banks and their respective ratings for your reference:
| Bank Name | Country | Rating |
|---|---|---|
| National Bank of Fujairah | UAE | Baa1/BBB+ |
| SNB Bank | KSA | A1/A− |
| Bank of Sharjah | UAE | BBB+/BBB+ |
| Al Ahli Bank of Kuwait — DIFC | UAE | A3/A− |
| QNB KSA | KSA | A1/BBB |
| ANB Bank | KSA | A2/BBB+ |
| Partner Bank KSA | KSA | A2/A+ |
For further details or to explore this opportunity, I can arrange for our wealth advisor to contact you directly. Please let me know if you have any questions or would like to proceed.
Dear ,
I hope this message finds you well.
I’m reaching out to share a strategic wealth approach designed specifically for high-net-worth clients seeking to optimize returns while protecting capital in an inflationary environment. With UAE inflation forecasted at ~3% for 2026, traditional fixed deposits (2.25–3.25%) and savings accounts (0.5–1.0%) are eroding purchasing power rather than building wealth.
I’d like to present a three-pillar strategy that balances capital preservation, passive income, and equity upside:
For investors wanting market upside without downside exposure:
Example: 2-Year Tesla Note ($1M investment)
| Scenario | Performance | You Receive | Return |
|---|---|---|---|
| Protected | Down 50% | $1,000,000 | 0% |
| Moderate | Up 20% | $1,200,000 | +20% |
| Strong | Up 25% | $1,250,000 | +25% |
| Barrier Hit | Up 50% | $1,180,000 | +18% |
Current Pricing: 2-Yr Tesla (18%) | NVIDIA (17%) | Alibaba (16%) | Gold (12%) | 1-Yr Tesla/NVIDIA (9.25%)
For passive monthly dividends and capital appreciation, professionally managed by tier-1 global fund managers:
Core Allocation:
Portfolio adjusts dynamically based on market conditions — institutional access previously unavailable to individual investors.
For portfolio stability and enhanced yield:
Fixed income component provides portfolio ballast while generating 6.3%+ annually — substantially above current deposit rates.
This three-pillar approach addresses your entire wealth objectives:
I’d like to schedule a 20-minute discussion to walk through implementation details, answer your specific questions, and align this strategy with your portfolio objectives.
Available this week:
Dear ,
Good day,
Following our recent conversation, I’d like to give you a complete picture of your estate planning options in the UAE, so you can make an informed decision about what suits you best. The MetLife Future Protect Select Plan is one tool among several — my goal is to share all of them with you transparently.
1. Default — UAE Courts (No Documentation in Place)
If nothing is registered, in the event of passing, the estate is distributed by the local courts according to Sharia inheritance principles. Fixed shares apply (spouse, children, parents, etc.), bank accounts and assets are typically frozen until the process completes, and distribution can take 6–12 months or longer.
2. Registered Will — DIFC Wills Service Centre (Dubai)
For non-Muslims, a will registered at the DIFC allows assets to be distributed according to your personal wishes rather than Sharia rules. Registration typically costs AED 10,000–15,000 and provides strong legal recognition. The will still goes through a probate process before distribution.
3. Registered Will — Abu Dhabi Judicial Department (ADJD)
Similar to DIFC, ADJD offers a non-Muslim wills registry with a more affordable fee structure. It is recognized across all seven Emirates.
4. Notarized Will at Dubai Courts
A will notarized through Dubai Courts is another option, generally followed by Muslims, with distribution based on Sharia.
5. Federal Decree-Law No. 41 of 2022 (Non-Muslims)
Non-Muslim residents can request that their home country’s inheritance laws apply to their UAE estate — a relatively recent and useful provision.
6. Joint Accounts and Property Structuring
Certain assets can be structured jointly, though treatment varies and most still require court involvement.
7. Life Insurance with a Named Beneficiary (Future Protect Select)
This is where the MetLife policy adds a unique advantage. The death benefit is a contractual obligation between MetLife and the named beneficiary — it does not form part of the estate, is not frozen, and does not require court proceedings. Funds are paid directly to your nominated beneficiary, typically within weeks.
While a registered will determines how your existing assets are distributed, it doesn’t create new liquidity for your family during the waiting period. A life insurance plan does both:
In short, a will manages what you already have. Life insurance creates an additional, immediately accessible benefit that complements every other option above.
I’d recommend exploring a combination that fits your circumstances. I’m happy to share a tailored illustration and, if helpful, refer you to a trusted legal partner for the wills side.
Looking forward to your thoughts.