Vault was designed to solve the region’s most prevalent problems faced by affluent individuals.
Backed by
Outliers’ Portfolio
Outliers’ Backing
In the US, the majority of financial wealth is actively invested.
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In stark contrast, more than 80 per cent of UAE’s $1 trillion wealth is held in cash.
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This is because most affluent individuals are:
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This is also a result of advisors in the region being incentivized by commissions, instead of an individual’s best interests.
This problem is further compounded by a lack of awareness and understanding when it comes to making well-informed investment decisions.
After years in the industry, having seen these industry problems — we decided to do something about it.
Advice from experienced professionals
We combine the best of financial planning, asset allocation, tax advice, and investment banking. Each of our advisors are a true fiduciary - we not only prioritize your best interests but we're also bound by regulatory obligations and incentivized by them.
Patrice Courty
Patrice, a seasoned fund manager, co-founded Moneta AM in 2003 and helped grow its European Equities funds to over €4 billion in assets.
With decades of expertise, he managed the Totem and Moneta long-short funds, earning recognition as a top performer in the French industry. Patrice’s career also includes co-founding two equity fund firms in London and extensive experience in European equities sales.
With decades of expertise, he managed the Totem and Moneta long-short funds, earning recognition as a top performer in the French industry. Patrice’s career also includes co-founding two equity fund firms in London and extensive experience in European equities sales.
Biwsajit Dasgupta
Biswajit, a Chartered Accountant and alumnus of Shri Ram College of Commerce, brings over 25 years of expertise in financial markets, specializing in foreign exchange, money markets, fixed income, and equities.
Formerly the CIO at Emirates Investment Bank and ED-Treasury at Invest AD, he has held senior treasury roles across the region, including establishing the Treasury and Debt Capital Markets business at Al Khalij Commercial Bank in Qatar.
Formerly the CIO at Emirates Investment Bank and ED-Treasury at Invest AD, he has held senior treasury roles across the region, including establishing the Treasury and Debt Capital Markets business at Al Khalij Commercial Bank in Qatar.
Emma Cowan
Emma, an ACAMS-certified compliance expert, has over 20 years of experience in financial services, specializing in regulatory compliance, financial crime, and investment management.
She spent 15 years at HSBC in the UAE and UK, holding senior compliance and wealth management roles. Emma provides tailored compliance solutions in the DIFC and ADGM, leveraging her deep regulatory expertise.
She spent 15 years at HSBC in the UAE and UK, holding senior compliance and wealth management roles. Emma provides tailored compliance solutions in the DIFC and ADGM, leveraging her deep regulatory expertise.
Charu Spall
Charu, a qualified CPA (US) and approved finance officer with FSRA and DFSA, brings 18 years of expertise in accounting and finance, including six years in regulatory reporting.
With a deep understanding of FSRA requirements and proficiency in tools like Xero and QuickBooks, Charu ensures financial stability and compliance for Vault.
With a deep understanding of FSRA requirements and proficiency in tools like Xero and QuickBooks, Charu ensures financial stability and compliance for Vault.
Sami Abdul Hadi
Passionate about helping clients achieve their financial goals, Sami, accredited by The Chartered Institute for Securities & Investment (CISI), brings years of industry experience advising high net worth individuals and managing over $200M in assets.
Through Vault, Sami's mission is to redefine the way wealth management is practiced in the region.
Through Vault, Sami's mission is to redefine the way wealth management is practiced in the region.
Bilal Abou-Diab
With over a decade of industry experience, Bilal (CFA Charter-holder since 2018) has built a successful career, managing over $350M in assets, designing rigorous portfolios and providing high-quality financial planning to his clients.
He has been pivotal in the formation of multiple family offices. Through Vault, Bilal's mission is to transform the way wealth management is practiced in the region.
He has been pivotal in the formation of multiple family offices. Through Vault, Bilal's mission is to transform the way wealth management is practiced in the region.
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Hicham Mawlawi
Hicham is an experienced financial advisor with over 5 years of experience, holding a designation from the Canadian Securities Institute. His approach involves taking the time to understand what matters most to each client, and then recommending relevant strategies to help achieve their financial goals, building long-term relationships with clients through diligent planning and execution.
Pablo Ferreira
Pablo is a wealth advisor who has 15 years of professional experience in different fields, such as tax advice, investment banking, and wealth management. He started his career at PwC in Madrid on the International Assignment team, and then he moved to BBVA Corporate and Investment Banking as a Relationship Manager.
For the last 8 years, he has been living in the UAE advising expat clients and therefore has a very deep and close understanding of the market and client needs
For the last 8 years, he has been living in the UAE advising expat clients and therefore has a very deep and close understanding of the market and client needs
Maher Mansour
Maher brings over 25 years of experience in Sales, Structuring, and Trading, with a strong focus on the Middle East for the past 14 years. Currently driving Investor Relations and Business Development at Waha Capital, Maher previously established the MENA branch of InstaDeep Ltd, raising $100M in a Series B round.
With senior roles at Natixis, UBS, and Deutsche Bank, Maher has led teams, managed significant portfolios, and pioneered innovative trades, earning a stellar reputation in the GCC market.
With senior roles at Natixis, UBS, and Deutsche Bank, Maher has led teams, managed significant portfolios, and pioneered innovative trades, earning a stellar reputation in the GCC market.
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Mission
To redefine the way investments are practiced in the UAE and beyond, by providing transparent advice and improving financial literacy.
Vision
To become the most trusted wealth management platform, in the GCC.
Approach
At Vault, our investment methodology blends diversified portfolios, thematic investing, and alternative strategies to safeguard and grow your wealth.
A custodian you can rely on
When choosing where to keep your money, it’s important to pick a custodian that’s secure and reliable in both good times and bad. That’s why we work with Interactive Brokers.
Your offshore account is opened in your name directly with Interactive Brokers, our trusted Custody Bank & Broker. Your assets are protected by SIPC and US FDIC coverage.
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Vault is regulated by the Financial Services Regulatory Authority and licensed by the Abu Dhabi Global Market.
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Frequently Asked Questions
How is Vault different?
At Vault, we believe in putting our clients first, empowering them to make conscious investment choices. Unlike big banks that are often incentivized by commissions or product sales, we're incentivized for your long-term success. We offer a personalized approach to investing that takes into account your unique financial goals, risk tolerance, and other factors, and we use cutting-edge technology to provide you with a seamless investing experience.
Do I have to pay taxes when Vault opens an offshore US account for me?
Vault is designed for non-US residents and nationals; therefore, we do not offer services to American citizens or residents. Our diversified portfolios are designed for non-US taxpayers. All underlying investments in the Diversified Portfolios are UCITS domiciled in Ireland or Luxembourg. Consequently, no capital gains, withholding, or income tax applies to our diversified portfolios. A prerequisite of opening an account is signing a W8Ben form confirming that you are not a US tax resident. Therefore, interest on cash holdings is tax-exempt, as there is no US withholding or US tax implications. You may have tax implications based on your country of residence; therefore, we always recommend you speak with your tax advisor to assess any local repercussions. However, for clients who are only tax residents in the UAE, you do not have any withholding, income, or capital gains taxes on your holdings through Vault.
Does Vault have a mobile app?
"At the moment, we are still in the progress of adding to the apple app store and google play store. In the meantime, you can add the mobile app to your smartphone using the below:
*For iPhone Users:*
Open Safari
Type in app.vaultwealth.com
Click on the share button on the bottom of the screen (square with an upwards arrow)
Scroll down and click ""Add to Home Screen""
Click ""Add""
*For Android Users:*
Open Chrome app
Type in: app.vaultwealth.com
Click on the vertical three buttons (settings beside the tabs)
Click ""Add to Home screen""
Click ""Add"""
*For iPhone Users:*
Open Safari
Type in app.vaultwealth.com
Click on the share button on the bottom of the screen (square with an upwards arrow)
Scroll down and click ""Add to Home Screen""
Click ""Add""
*For Android Users:*
Open Chrome app
Type in: app.vaultwealth.com
Click on the vertical three buttons (settings beside the tabs)
Click ""Add to Home screen""
Click ""Add"""
Master wealth management for success.
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Talk to Us
In the US, the majority of financial wealth is actively invested.
.png)
In stark contrast, more than 80 per cent of UAE’s $1 trillion wealth is held in cash.
%20-%20Copy.png)
This is because most affluent individuals are:
After years in the industry, having seen these industry problems — we decided to do something about it.