How to Invest AED 100 in UAE?

Whether you’re saving for the future, building a nest egg, or just looking to grow your money, there are several ways to invest that can fit any budget, no matter how small.
In this article, we’ll guide you through the best ways to invest 100 AED in the UAE, explain different investment options, and help you make the most of your money.

Best Ways to Invest 100 AED in the UAE

Here are the top options where you can invest 100 AED in UAE —

1. National Bonds: Safe and Steady Growth

• Minimum Investment: 100 AED
• Risk Level: Low
• Return Potential: Low to moderate
• Best For: Conservative investors looking for a safe and easy option

If you’re just starting out and prefer low-risk investments, National Bonds in the UAE is an excellent option. This Sharia-compliant savings and investment company allows you to invest as little as 100 AED in their Savings Certificates.

These certificates provide a secure way to grow your savings while giving you the flexibility to adjust your contributions over time. You can invest in units as small as 10 AED, making it easy to add or withdraw as your financial situation changes.

Why National Bonds?

• It’s backed by the Investment Corporation of Dubai, so it’s considered a stable investment
• Offers regular draws and rewards, adding a bit of excitement to your investment

2. Exchange-Traded Funds (ETFs): Diversify Your Portfolio

• Minimum Investment: No minimum (depends on the broker)
• Risk Level: Medium
• Return Potential: Moderate to high
• Best For: Investors seeking diversification without large investments

ETFs offer a simple and effective way to diversify your investments, even with a small amount like 100 AED. These funds pool money from investors to buy a broad range of assets, such as stocks, bonds, or commodities. Since ETFs are traded on the stock exchange, they are easily accessible to individual investors.

Why ETFs?

• Low fees compared to traditional mutual funds
• Diversification helps reduce risk by spreading your investment across multiple assets
• You can buy and sell ETFs just like individual stocks

3. Mutual Funds: Professional Management for Small Investors

• Minimum Investment: Varies, but many allow as little as 100 AED
• Risk Level: Medium to high (depending on the fund)
• Return Potential: Moderate to high
• Best For: Investors who want professional portfolio management

Mutual funds pool money from many investors to buy a range of assets, such as stocks, bonds, and other securities. A professional fund manager makes decisions on how to allocate the fund’s assets, so you don’t need to worry about picking individual stocks or bonds.

Why Mutual Funds?

• Professional management means you don’t have to do the research yourself
• Diversification reduces the risk of putting all your eggs in one basket
• Some funds in the UAE allow you to start with just 100 AED

Types of Mutual Funds:

• Equity Funds: Invest in stocks, offering higher risk and higher potential returns
• Bond Funds: Invest in bonds, which offer lower risk but typically lower returns
• Balanced Funds: A mix of both, offering moderate risk and potential returns

You may also read: 10 Best Mutual Funds in UAE to Invest Right Now

4. Bonds: Safe and Predictable Returns

Minimum Investment: Varies, but there are options for small investors

• Risk Level: Low
• Return Potential: Low to moderate
• Best For: Risk-averse investors seeking steady income

Bonds are a great option if you prefer a low-risk investment. By buying bonds, you’re essentially lending money to a government or corporation in exchange for interest payments over time. After the bond matures, you get your initial investment back.

Why Bonds?

• They offer predictable returns, usually in the form of fixed interest payments
• Government bonds, in particular, are considered one of the safest investments
• A Good option for short- to medium-term goals

📝In the UAE, you can choose from government bonds or corporate bonds, both of which offer low risk compared to other types of investments.

5. High-Interest Savings Accounts: Low-Risk, Liquid Investment

• Minimum Investment: 100 AED
• Risk Level: Very low
• Return Potential: Very low
• Best For: Extremely risk-averse investors or those who need quick access to their money

While savings accounts don’t offer much in terms of returns, they are a secure place to park your 100 AED while earning a small amount of interest. Banks in the UAE offer high-interest savings accounts that can help your money grow slowly over time.

Why High-Interest Savings Accounts?

• The money remains accessible if you need it
• Safe and easy to use, with virtually no risk
• A good option for beginners who are new to investing and want to start with a risk-free choice

Why Should You Invest 100 AED in the UAE?

The main reason to invest is simple: to make your money work for you. Instead of letting your savings sit idle in a bank account with little to no interest, investing allows your money to grow over time, even if you start with a small amount. 

Investing in AED gives you the advantage of being part of a strong, growing economy while avoiding the complexities and risks of dealing with foreign currencies. Whether you're investing 100 AED or more, choosing to invest in AED can be a smart move that helps your money grow within a stable, promising environment.

Read More: Here’s Why AED Investment Can Give You the Edge Over INR Investment