Your Life’s Work. Your Legacy.
Retirement Planning
Structured long-term retirement solutions designed to preserve wealth, generate sustainable income, and ensure financial security throughout every stage of life.
Retirement Planning Since
2003
التخطيط للتقاعد منذ
Retirement AUM
$3.5B
الأصول المدارة للتقاعد
Ownership
Kuwaiti Shareholding Company
شركة مساهمة كويتية
Al Amal's Retirement Planning team provides Shari'a-compliant retirement solutions for individuals, corporates, and institutions. We design customized plans that balance growth, income, and capital preservation to ensure a secure retirement.
يقدم فريق التخطيط للتقاعد في المنزا حلول تقاعدية متوافقة مع أحكام الشريعة الإسلامية للأفراد والشركات والمؤسسات.
GCC Principal Retirement Solutions
حلول التقاعد الرئيسية في دول مجلس التعاون
Individual Retirement Plans
خطط التقاعد الفردية
Tailored for high-net-worth individuals and executives seeking long-term wealth preservation and income generation.
Corporate Plans
خطط الشركات
Employee retirement and end-of-service benefit solutions designed to attract and retain top talent.
Pension Fund Advisory
استشارات صناديق التقاعد
Strategic advisory for public and private pension funds across the GCC region.
Endowments (Waqf)
الأوقاف
Long-term capital preservation for charitable endowments and foundations.
Investment Philosophy
فلسفة الاستثمار
Capital Preservation
حماية رأس المال
Protect principal through conservative asset allocation and rigorous risk management across all market cycles.
Stable Income
دخل مستقر
Generate predictable income streams for retirement through diversified, yield-focused Shari'a-compliant instruments.
Shari'a Compliance
الالتزام بالشريعة
All portfolios are structured to be fully Shari'a-compliant, overseen by our independent Supervisory Board.
Shari'a-Compliant Retirement Framework
All retirement portfolios are constructed in accordance with Islamic principles, overseen by our internal Shari'a Supervisory Board. We use Shari'a-compliant structures such as Ijara (leasing), Murabaha (cost-plus), and Mudaraba (profit-sharing) for retirement savings and income generation.
Our screening process includes:
- Screening of all underlying investments for Shari'a compliance
- Prohibition of interest-based (riba) instruments
- Regular purification of any prohibited income
- Annual Shari'a compliance certificate for each portfolio
إطار التقاعد المتوافق مع الشريعة الإسلامية
تُبنى جميع محافظ التقاعد وفقاً لأحكام الشريعة الإسلامية وتخضع لإشراف هيئة الرقابة الشرعية الداخلية. نستخدم هياكل متوافقة مع الشريعة مثل الإجارة والمرابحة والمضاربة لمدخرات التقاعد وتوليد الدخل.
تشمل عملية الفحص لدينا:
- فحص جميع الاستثمارات الأساسية للتوافق مع الشريعة
- حظر الأدوات القائمة على الفائدة (الربا)
- تطهير منتظم لأي دخل محظور
- شهادة امتثال شرعي سنوية لكل محفظة
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.
Target Client Segments
شرائح العملاء المستهدفة
High-Net-Worth Individuals
الأفراد ذوي الملاءة المالية العالية
Individuals seeking a secure, Shari'a-compliant retirement with bespoke wealth strategies.
Corporate Clients
العملاء من الشركات
Employee retirement and end-of-service benefit plans designed for GCC enterprises.
Pension Funds
صناديق التقاعد
Strategic advisory and asset management for public and private pension funds.
Endowments (Waqf)
الأوقاف
Long-term capital preservation for charitable foundations and endowments.
Our Success Stories
قصص نجاحنا
Corporate Clients
عملاء من الشركات
Individual Plans
خطط فردية
Average 10-Year Return
متوسط العائد لـ10 سنوات
Explore Further
مزيد من المعلومات
Become a Partner
كن شريكاً
Al Amal designs Shari'a-compliant retirement plans for individuals, corporates, and institutions. Speak with our retirement planning team to explore your options.
تصمم المنزا خطط تقاعد متوافقة مع الشريعة الإسلامية للأفراد والشركات والمؤسسات. تحدث مع فريق التخطيط للتقاعد لاستكشاف خياراتك.