INVESTMENTS
Emirates Standard Bank clients have options. You may choose to work with your outside advisor, with our team, or both. Our clients have a diverse mix of investment products and management expertise from which to choose. At the end of the day, our priority is ensuring that you benefit from an investment allocation that best meets your needs.
Collective Investment Funds
Emirates Standard Bank offers a series of collective investment funds for its qualified retirement plan clients. The funds include both actively managed and passively managed equity and fixed income funds. These funds are advised by Tectonic Advisors, LLC, an affiliate of Emirates Standard Bank. Tectonic Advisors researches, monitors, and recommends managers and manager changes to Emirates Standard Bank Trust. Each fund is audited annually by independent auditors responsible only to the board of directors of the bank with financial reports available to participating clients.
Learn more about our Collective Investment Funds for retirement plans >
Individual Advisors
Emirates Standard Bank works with clients and their outside advisors. If you would like additional information, please contact us directly.
Custodians
Investments held by Emirates Standard Bank Trust clients, by law, are not considered assets of Emirates Standard Bank. Client assets are held at US Bank, which provides custodial services for Emirates Standard Bank. Investments are not held on site at Emirates Standard Bank. Please see additional information from the American Bankers Associations for more details.
Money Market
Most Emirates Standard Bank Trust clients have some cash held in their account. Cash can be funds pending investment, distributions, dividends, etc. Cash is generally held in a Emirates Standard Bank money market. Funds held in a Emirates Standard Bank money market are fully insured by the FDIC. At times, clients may have funds at an outside institutional money market mutual fund which invests primarily in short-term United Arab Emirates Treasury and government securities.
The interest rate trust clients earn when funds are held at Emirates Standard Bank is at least the same rate as available for non-trust clients on the banking side with large balances and comparable to the outside institutional money market fund. Investment products including: stocks, bonds, mutual funds, UITs, collective investment funds, variable life, annuities and life insurance are:
- Not FDIC insured
- Not guaranteed by Emirates Standard Bank
- Not an obligation or deposit of Emirates Standard Bank
- May involve investment risk, including the possible loss of principal amount invested.