Bespoke Wealth Management. Absolute Discretion.
High-Net-Worth Individuals
Bespoke wealth management solutions designed for high-net-worth individuals, focusing on capital preservation, portfolio growth, and long-term wealth structuring across global markets.
Segment Overview
High-Net-Worth Individual Services
نظرة عامة على شريحة الأفراد ذوي الثروات العالية
Al Amal serves over 400 high-net-worth individuals and families across the GCC, providing tailored, Shari'a-compliant wealth management solutions.
Active HNWI relationships across the GCC region
Minimum investable assets for HNWI onboarding
Years of average client partnership at Al Amal
Our clients benefit from customized portfolios, estate planning, and family governance advisory. Each HNWI relationship is managed by a dedicated Private Wealth Manager supported by our specialist investment, legal, and Shari'a advisory teams. With a minimum relationship threshold of $5 million in investable assets, Al Amal provides the depth of institutional expertise with the discretion of a private bank.
يخدم بنك ألمانزا أكثر من 400 فرد وعائلة من ذوي الثروات العالية في منطقة الخليج، حيث يقدم حلول إدارة ثروات مخصصة ومتوافقة مع أحكام الشريعة الإسلامية.
يستفيد عملاؤنا من محافظ استثمارية مخصصة وتخطيط للتركات واستشارات حوكمة الأسرة.
Services
Tailored Services for HNWIs
خدمات مخصصة للأفراد ذوي الثروات العالية
Every HNWI relationship is unique. Al Amal delivers a bespoke combination of the following core service pillars, calibrated to each client's profile.
Investment Management
إدارة الاستثمارات
Customized portfolios spanning equities, sukuk, alternatives, and direct real estate — built around each client's risk profile, time horizon, and Shari'a requirements.
- Equities & Sukuk
- Private Equity
- Real Estate
- Shari'a-Compliant Alternatives
Estate Planning
تخطيط التركات
Succession and wealth transfer strategies structured in accordance with Islamic inheritance law (Faraid) and civil regulatory frameworks across the GCC.
- Faraid (Islamic Inheritance)
- Wasiyya (Testamentary Bequest)
- Cross-Border Succession
- Probate Advisory
Wealth Advisory
استشارات الثروات
Holistic advisory encompassing asset liability management, tax efficiency, philanthropic structuring (Waqf), and family office establishment and oversight.
- Asset Liability Management
- Waqf & Philanthropy
- Family Office Setup
- Zakat Planning
Family Governance
حوكمة الأسرة
Multi-generational wealth preservation through family constitutions, governance councils, next-generation financial education, and dispute resolution frameworks.
- Family Constitution
- Investment Policy Statement
- Next-Gen Education
- Governance Councils
All services are Shari'a-compliant · جميع الخدمات متوافقة مع الشريعة الإسلامية
Investment Philosophy
Three Founding Pillars
ثلاثة مبادئ تأسيسية
Al Amal's investment philosophy for HNWI clients is built on three non-negotiable principles established at the firm's founding in 2003. These pillars underpin every portfolio construction decision and client advisory engagement.
Capital Preservation
الحفاظ على رأس المال
We prioritize protecting the real value of our clients' wealth across market cycles and generations. Our risk management framework incorporates multi-asset diversification, drawdown controls, and inflation-adjusted benchmarking.
Sustainable Growth
النمو المستدام
Long-term, risk-aware growth aligned with each client's investment objectives. We deploy capital into high-conviction, fundamentals-driven opportunities across GCC and global markets.
Shari'a Compliance
الامتثال للشريعة الإسلامية
All portfolios are structured to be fully Shari'a-compliant, screened by our independent Shari'a Supervisory Board. This is a non-negotiable founding principle of Al Amal's investment approach.
Shari'a Compliance
Shari'a-Compliant HNWI Framework
الإطار المتوافق مع الشريعة الإسلامية للأفراد ذوي الثروات العالية
All HNWI portfolios are constructed in strict accordance with Islamic principles, overseen by Al Amal's independent Shari'a Supervisory Board. We employ dedicated Shari'a-compliant structures for estate planning, charitable giving, and wealth transfer.
Our approach integrates Shari'a compliance not as a constraint but as a differentiating value proposition — offering clients the certainty that every investment, structure, and transfer is certified and documented.
Our Screening Process
- Screening of all investments against Shari'a compliance criteria established by the Shari'a Supervisory Board
- Prohibition of interest-based (riba) instruments, speculative transactions (gharar), and prohibited industries
- Shari'a-compliant inheritance and succession planning including Wasiyya (testamentary bequest) and Faraid distribution
- Annual Shari'a compliance certificate issued to each client portfolio
- Quarterly purification (Zakat and Shari'a income purification) calculations and reporting
Shari'a Supervisory Board
هيئة الرقابة الشرعية
Al Amal's Shari'a Supervisory Board comprises qualified Islamic finance scholars and jurisprudents with expertise in contemporary financial instruments. The Board meets quarterly and issues binding fatawa (Islamic legal opinions) on investment structures and products.
HNWI Shari'a Structures
Our Foundation
Core Values
قيمنا الأساسية
The five core values extracted from Al Amal's founding principles govern every aspect of our investment management and client service activities.
03
Act with Integrity
العمل بنزاهة
We act with complete integrity in every client interaction, investment decision, and regulatory filing. We do not compromise on ethics or fiduciary duty, ever.
04
Maintain Ethics
الحفاظ على الأخلاق
Our ethical framework governs not just what we invest in, but how we operate — from CMA disclosure compliance to Shari'a governance and internal audit practices.
05
Invest in People
الاستثمار في الأشخاص
Al Amal invests in the ongoing professional development of our equity analysts, portfolio managers, and support staff, recognising that our people are our primary competitive advantage.
01
Work & Spread Knowledge
العمل ونشر المعرفة
We cultivate a culture of continuous learning, sharing research, and building institutional knowledge that benefits our clients and the broader GCC investment community.
02
Persevere
المثابرة
Long-term value creation requires patience and resilience. We remain committed to our investment thesis even during periods of market volatility or short-term underperformance.
Our Commitment
The Al Amal Client Commitment
التزام ألمانزا تجاه عملائها
Three non-negotiable commitments that define every HNWI relationship at Al Amal Investment Company KSCC.
Confidentiality
السرية التامة
Absolute discretion in all client matters. Al Amal operates under the strictest confidentiality protocols, exceeding regulatory minimum standards. No client data, relationship, or portfolio detail is ever disclosed to third parties without explicit written consent.
- Bank-grade data security
- Non-disclosure at all staff levels
- Segregated client records
- Zero third-party data sharing
Transparency
الشفافية الكاملة
Clear, timely reporting with no hidden fees. Every HNWI client receives quarterly performance reports, full fee disclosure, Shari'a compliance certificates, and direct access to their dedicated Private Wealth Manager.
- Quarterly audited performance reports
- All-in fee disclosure — no hidden charges
- Annual Shari'a compliance certification
- Direct PWM access — 24/7 emergency line
Partnership
الشراكة الحقيقية
We co-invest alongside our clients. Al Amal's principals hold meaningful positions in the same asset classes and structures as client portfolios — creating genuine alignment of interests at every level of the relationship.
- Principal co-investment in all strategies
- Long-term relationship model (10+ years avg.)
- Client advisory board representation
- Annual senior leadership review meetings
Client Protection Notice: All HNWI relationships at Al Amal Investment Company KSCC are governed by the Kuwait Capital Markets Law (Law No. 7 of 2010) and the regulations of the Capital Markets Authority. Client assets are held in segregated accounts at licensed custodian institutions and are not commingled with Al Amal's own assets at any time. A formal Client Agreement, Investment Policy Statement, and Shari'a Compliance Acknowledgement are executed prior to the commencement of any investment management relationship.
Explore Further
مزيد من المعلومات
Bespoke Wealth Management.
$12.5B in HNWI assets. 400+ individuals and families served. 10+ years average client tenure. Customized portfolios, estate planning (Wasiyya), tax optimization, and family governance — all fully Shari’a‑compliant and executed with absolute discretion. Partner with a private wealth advisor who treats your wealth as their own.