The Third Quarter of 2025
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About TamraCap
TamraCap is a Saudi investment company licensed by the Capital Market Authority (CMA) to offer financial advisory services since August 26, 2020, and investment management services since January 14, 2021.
We empower investors by providing seamless access to a wide range of local and global investment opportunities through a secure, automated, and user-friendly platform.
At TamraCap, we simplify the investment journey for everyone — not just experts. Our platform allows individuals to invest confidently in Shariah-compliant Exchange-Traded Funds (ETFs), ensuring transparency, accuracy, and peace of mind.
After receiving CMA approval to begin operations on November 23, 2021, we launched our fully digital investment platform with one goal: to make smart investing accessible to all, anywhere, at any time. Supported by seasoned investment professionals and advanced technology, TamraCap enables you to grow and manage your wealth with clarity and confidence.
Investment Portfolios
Invest in a diversified and balanced portfolio
What is an investment portfolio?
A collection of investments from different assets, such as stocks, Sukuks, real estate, and commodities, to reduce the overall risk of investing through diversification and to increase returns in the long term. We help you create a flexible investment portfolio through simple steps. How?
Portfolio
A customized investment portfolio to help you reach your investment goals through our well-rounded risk-assessment survey.
Diversified
A diversified investment portfolio that allocates your investments across various financial assets based on your responses in the risk assessment questionnaire to minimize the overall risk.
Balanced
A balanced portfolio between different high and low-risk investments, built to match your financial aspirations and risk tolerance.
Invest in TamraCap's portfolios to build your future financial security
Enjoy a full spectrum of investment options that cover low and high-risk portfolios, based on your investment objectives and risk tolerance: Conservative, Moderately Conservative, Moderately Aggressive, and Aggressive portfolios.
Why should you invest today?
Secure a better financial future
Long-term investmenting guarantees your financial freedom for post-retirement or whenever you decide to take a step forward and work on achieving your dreams.
Grow your financial resources
Smart investing can protect you from inflation and help you maintain and grow the value of your financial resources for years.
Investing is now enabled by advanced technologies
Local and global investments are now made simple and accessible with advanced technologies and solutions.
We manage your investments wisely, you enjoy
the returns.
TamraCap works as the digital manager of your wealth by investing and balancing your money in long-term and diversified Exchange Traded Funds. This is our philosophy and approach to get you the most out of your investment compared to your acceptable risk appetite. Whereas a performance drop in one of the asset’s performance is balanced by a rise in other assets’ performance, to keep you steady and secure through a smart and automated financial process.
Safely track your investments from anywhere through your computer or mobile.
A flawless investment experience with our all-in-one and smart platform, designed by investment experts to make every step of your journey simple, from building your portfolio, keeping track of its performance, rebalancing the weights of your portfolio, and re-investing your distributed dividends.
The appointment of Shariyah Review Bureau 
by TamraCap as the Sharia advisor.
The Shariyah Review Bureau will be responsible for the Sharia-complaince supervision and advice. The Bureau has appointed a dedicated Sharia supervisory committee to audit and confirm the company’s documents and activities. The committee includes Sheikh Dr. Salah bin Fahd Al-Shalhoub and Sheikh Muhammad Ahmed Sultan. Moreover, the bureau will appoint a team of Sharia auditors to carry out periodic reviews and Sharia supervision over the company’s activities to assure the Sharia supervisory committee, its Board of Directors, and related parties that the company’s operations and activities are in compliance with Sharia controls and standards.
Audit Team
Sheikh Dr. Salah bin Fahd Al-Shalhoub
Sharia Committee Member
He holds a PhD in Islamic and Middle Eastern Studies from the University of Edinburgh in the United Kingdom, and a Master’s degree in Comparative Fiqh from the Higher Judicial Institute at Imam Muhammad bin Saud Islamic University. He has extensive experience in the field of Islamic finance, including banking products, investments, Islamic insurance, sukuk, real estate financing, and asset management. He is currently an associate professor at the College of Applied Studies at King Fahd University of Petroleum and Minerals, and he is a member and chairman of a number of Sharia boards for local and international financial institutions.
Sheikh Muhammad Ahmad Sultan
Sharia Committee Member
Sheikh Muhammad has more than 15 years of experience in Sharia consultancy and academic research in multiple fields of Islamic finance, including retail and investment banking, institutional consultancy, and real estate investment funds. He has worked with local and international financial institutions in the GCC countries, and has contributed to the development of sukuk structures and the regulation of funds and insurance companies. He holds a Master’s degree in Fiqh and its Principles, and a Bachelor’s degree in Sharia Sciences from Ahsan Al Uloom University in Karachi – Pakistan.
Investment Calculator
Plant your seeds today to reap its fruits tomorrow!
Select a portfolio
Calculate your annual potential returns based on the historically estimated rate of return (after deducting investment management fees). ℹ️
Investment’s value with Tamra Cap
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Investment’s value with competitors
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Mere savings without investing
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Frequently Asked Questions FAQ
How can I start investing with TamraCap?
TamraCap starts investing for you once your deposit reaches your investment portfolio. The investment process begins automatically within two to five business days (depending on the operation of the global financial markets). We employ smart and advanced solutions to allow you to monitor performance daily.
Is Tamra Licensed and Regulated?
TamraCap is a closed joint stock company with a commercial registration number 4030414862, and licensed by the Capital Market Authority in the Kingdom of Saudi Arabia with license number 20212-30
Where does Tamra Capital invest?
TamraCap employs a long-term passive investment strategy that diversifies investments across different assets and markets by investing in Shariah-compliant global Exchange-Traded Funds (ETFs), such as SPUS – ISWD – SPRE – ISDE – GLD – SPSK, which contains different asset classes like stocks, Sukuk, real estate, and gold, and cover more than 1,000 companies, Sukuk, and real estate globally.
How can I deactivate my account?
By withdrawing your entire investment from your portfolio. You will not incur costs or fees if the portfolio doesn’t have any investments, and we will keep your portfolio open for you in case you decide to benefit from our services again in the future.
Who is eligible to open an investment account with TamraCap?
Starting your investment journey with TamraCap is simple as long as you are: – A citizen or resident of the Kingdom of Saudi Arabia. – You are 18 years old or above. You have an active bank account.
How do I set up a standing order in my bank account?
Instead of repeating the transfer yourself, you can set up a standing order to automatically deposit funds into your investment portfolio from your bank account (online) by following these steps: – Select transfers. ‘Standing Orders’ – Choose the transfer type and the recipient (the TamraCap account assigned to you with the IBAN). – Enter the amount you want to regularly invest with TamraCap. – Select the start and end dates (for example, after the salary date). – Determine the frequency (monthly, quarterly, six months, etc.).
Can I withdraw my investment amount?
Yes; You can withdraw the amount you want after starting the investment process by submitting a withdrawal request through TamraCap’s platform. The withdrawal process occurs within seven business days (Based on the operation of the global financial markets), then the amount will be transferred within two business days (Based on the banking system’s working days in remittances).
Is a specific bank required for the deposit process?
You can transfer the amounts you want to invest from your personal account in any Saudi bank, as there is no specific bank requirement and there are no deposit fees.
Do I have to deposit every month or a certain amount?
TamraCap believes that investing should be open to everyone, and it should be flexible based on your goals and financial capabilities. That’s why we don’t have requirements on regular transfers or a certain amount to maintain your investment portfolio. You can make a one-time deposit or a series of monthly deposits, and we will be committed to invest your money as soon as you deposit into your portfolio.
How can I deposit into my portfolio?
You can transfer the amount you want to invest from your bank account to your portfolio’s IBAN at TamraCap by defining a new beneficiary from your bank account. Proceed with the transfer after successfully identifying the recipient. It usually takes 5 minutes to two working days for the transferred amount to appear in your TamraCap’s portfolio (depending on which banking account you used).
What is the minimum amount I can invest with Tamra?
The minimum amount required for each portfolio is 500 riyals to start investing with TamraCap, and there is no minimum or maximum amount for contributions afterward. However, please note that the investment process in a specific portfolio will not start if the first deposit amount is less than 500 riyals.
Can I delete a portfolio or transfer the balance to another portfolio?
Before the deposit process, you can delete or change the portfolio type by clicking the transactions icon in the ‘Portfolios’ section of the dashboard. We do not currently offer portfolio transfers or deletions after the investment process has started, but we will have the feature soon.
How were portfolio returns estimated?
The expected market returns were estimated using statistical analysis of each portfolio’s historical performance, and they were designed to achieve the desired average returns while minimizing the overall risk.
What are the components of TamraCap’s Portfolios?
TamraCap’s portfolios are composed of four different assets: stocks, Sukuk, real estate, and gold, and they cover more than 55 countries. The asset weights differ depending on the portfolio type to reflect the level of portfolio’s risk.
Are there any fees charged if I don't deposit into my account?
TamraCap charges fees only for managing your investment and does not charge fees if no money is invested in the portfolio.
What is the expected annual return?
Each investment portfolio has an expected return and a different level of risk. The higher the risk, the higher the expected return. The expected market returns for our portfolios range between 4%-12% on an annual basis.
When do returns get distributed?
Earnings distributions differ by the ETFs in your portfolio, whereas earnings are returned to your portfolio and automatically reinvested to accelerate the growth of your investment.
How much are the investment management fees?
We deduct 20 riyals (excluding VAT) monthly as an investment management fee for investments below SAR 60,000. For investment amounts greater than or equal to SAR 60,000, the annual investment management fee becomes 0.4% (excluding VAT) of the invested amount. Fees are deducted automatically on a monthly basis from your investment portfolio and cover the management of all of your different portfolios with no additional fees.
Keep in touch
Didn’t find the answer to your question? We’re here to advise and assist you in starting your financial awareness journey. We also welcome complaints and suggestions through our various channels:
Customer service email: support@tamracap.com.
You can also contact us via the platform’s chatbot.
Telephone: 966115139170