Compare Investing in Saudi Arabia

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Investing in Saudi Arabia: October 2026 at a glance

Giraffy compares wealth management from CMA-licensed firms including SNB Capital, Al Rajhi Capital, Riyad Capital, Derayah Financial, Alinma Investment, Jadwa Investment, BSF Capital, HSBC Saudi Arabia and J.P. Morgan Saudi Arabia. All list investment services and retirement planning; the main difference is the entry point. The lowest listed minimum investment is SAR 5,000 at SNB Capital, then SAR 100,000 at Franklin Templeton, SAR 150,000 at Derayah Financial and SAR 250,000 at Al Rajhi Capital and Alinma Investment, rising to SAR 1,000,000 at J.P. Morgan Saudi Arabia, Aljazira Capital and GIB Capital and SAR 2,000,000 at UBS.

Estate planning is listed at SNB Capital, Jadwa Investment, Al Khabeer Capital, J.P. Morgan, UBS and Holborn Assets. Before you invest: confirm the firm's CMA licence, the management and custody fees, and the Sharia board behind any fund you buy. See also savings.

What is investing in Saudi Arabia?

Investing means putting money into assets such as shares, funds, sukuk and real-estate vehicles with the aim of growing wealth over time. In Saudi Arabia this centres on Tadawul, the Saudi Exchange, alongside mutual funds, exchange-traded funds, REITs and government and corporate sukuk. A strong preference for Sharia-compliant investing shapes the market, so many products screen out interest-bearing and prohibited-sector holdings.

How the Saudi market works

The Capital Market Authority (CMA) regulates securities and licenses the brokers and asset managers that give retail investors access to the market. Investors open an account with a licensed capital-markets firm, receive a national investor number, and trade on Tadawul or subscribe to managed funds. Vision 2030 reforms have widened retail participation, added instruments and opened parts of the market to foreign investors. Beyond direct share dealing, the market offers mutual funds, exchange-traded funds tracking local and international indices, real-estate investment traded funds (REITs) listed on Tadawul, and government and corporate sukuk, giving investors a spread of risk levels from capital-stable income products to growth equities.

Benefits

Growth potential — Equities, funds and REITs can outpace cash savings over the long term.

Sharia-compliant options — A deep range of screened funds and sukuk suits investors who require halal products.

Diversification — Local and international funds spread risk across sectors and geographies.

Access — Brokerage apps let you start with modest amounts and trade Tadawul-listed shares directly.

How to choose

Match the platform to how you invest. Self-directed traders should compare brokerage commissions, platform tools and access to international markets. Those who prefer a managed approach should look at fund ranges, minimum subscriptions and whether Sharia-compliant mandates are available. Weigh total fees (commissions, management fees, custody), the firms research, and always align choices with your time horizon and risk tolerance.

Leading investing providers in Saudi Arabia

Al Rajhi Capital, SNB Capital, Riyad Capital, BSF Capital and Alinma Investment are the CMA-licensed arms of major banks offering brokerage and funds. Derayah Financial and Jadwa Investment are prominent independent managers known for wide fund and advisory ranges, and Al Khabeer Capital focuses on asset management and private markets. Giraffy tracks offers across these firms.

What it costs

Costs vary by route. Brokerage trades carry a commission per transaction, typically a small percentage with a minimum charge, plus Tadawul and settlement fees. Managed funds charge an annual management fee and sometimes a subscription or performance fee. Several platforms advertise low or zero account-opening costs, which is why the brief shows a zero entry, but ongoing dealing and management fees are what determine your net return.

Protections and regulation

The CMA authorises and supervises brokers, fund managers and advisers, sets disclosure rules for listed companies, and operates investor-protection and dispute mechanisms. Client assets held by licensed firms are subject to CMA custody and segregation rules. Investing always carries the risk of capital loss, and regulation governs conduct and transparency rather than guaranteeing returns. Listed companies must publish financial disclosures, and the CMA can act against market abuse, giving retail investors a supervised, transparent market in which to make their own decisions.

Common questions

Are there halal ways to invest? Yes. Sharia-compliant funds, screened equities and sukuk are widely available from firms such as Al Rajhi Capital and Jadwa.

Do I need a lot of money to start? No. Many brokerage apps let you begin with small amounts, though managed funds may set minimum subscriptions.

Can foreigners invest on Tadawul? Access has widened under CMA reforms, subject to the applicable qualified-investor and account rules.

What is a sukuk? A sukuk is a Sharia-compliant instrument that gives the holder a share in an underlying asset and its returns, used as a halal alternative to conventional interest-bearing bonds.

Investing & Brokerage in Saudi Arabia — FAQ