Managing finances and making investment decisions can be daunting, confusing, and stressful. Tiva Money makes it easy to set and meet your financial goals on autopilot mode while doing the things you love.
AED 300 Minimum Investment
0.5% Advisory Fee
Nobel Prize-winning investment strategies
No lock-in - Withdraw anytime
Whether you are a student, employee, business owner, or artisan, you can get a personalized investment portfolio that will suit your goals, and a personalized dashboard to manage your spending, saving, and investing.
We understand the fears that come with investing, especially when you are just
starting out. However, leaving your money idle when it can work for you isn't the best
option.
Time Value of Money explains how money, if not invested, loses value over time. It was from this
concept Tiva Money was born.
Our objective is to bring Nobel prize winning investment strategies to individuals and families.
Everyone can benefit from the same asset allocation, diversification, and risk management tools
that were previously only available to high net-worth individuals and institutions.
No one, not even you, should miss out of proven wealth building strategies.
Comfortable Retirement
Quality higher education for your children
Owning your dream home
Other personal goals
Your financial life is more than just an investment portfolio. With Tiva Money, you can monitor and manage your balance sheet and cash flow statements. Just like your health, tracking your overall metrics is important to improve your financial wellbeing. Tiva Money makes this easy with a simple and clear personal dashboard.
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We offer high quality portfolios that are globally diversified across various asset classes, reducing exposure to market fluctuations
Determining which assets to include in your portfolio in order to meet your financial goals is a personal and critical process as it depends on your risk tolerance and investment goals as an individual or organization.
Tiva Money helps you make smart asset allocation decisions that’ll suit your risk tolerance and goals at the same time.
Risk management through diversification of funds into different types of assets is an important part of your financial journey.
Tiva Money helps you experience the amazing benefits of diversification by selecting the right group of investments to meet your unique needs, limit losses, and stabilize return on investment.
To keep your investment portfolio in alignment with your goals, Tiva Money helps you with consistent reviewing of your asset allocations. This is so that your investments remain at an acceptable level of risk over time.
We have created a very simple, clear, and straightforward interface that is fast and easy-to-use.
Our investment portfolios are not ’one size fits all’. You will get a portfolio that is specially customized to meet your needs as a person.
Every information given on this platform is well protected
We do not have hidden or confusing charges. We charge only a 0.5% advisory fee, regardless of the size of your investments
Our investment recommendations are carefully and expertly researched.
Are you interested to start investing with Tiva Money? Are there questions you have on your mind? Check out our frequently asked questions below. If you still have questions that are not yet answered, please reach out to us at hello@tivamoney.com. We can’t wait to chat with you!
Read MoreTime value of Money is one of the fundamental concepts of finance and investing. Simply put, a constant amount of money decreases in real value over time. This is due to the fact that the same amount of money can buy us a lot less in future than it does today. To maintain or increase the value of our savings, it is thus crucial to invest regularly.
Given the vast universe of investment options, it can be difficult to determine where to invest. Also, it is tempting to think about how well we would have done, if we had just held tech stocks (AMZN, AAPL, FB, MSFT) over the last decade. Indeed, it became one of the most popular topics on social media and conversations with friends, as Apple crossed USD 2 trillion market cap. However, that is not the best approach to long-term personal investing. Modern portfolio theory, pioneered by Nobel Prize winner Dr. Harry Markowitz, describes how risk-adjusted returns can be maximized by investing in a diversified portfolio. While it lacks the thrill of volatility experienced in stock picking, a boring diversified portfolio helps you sleep peacefully at night.
Tiva Money uses a time-tested investment philosophy to help you achieve your goals. We do not pick stocks or provide advice on how to time the market. We seek to maximize long-term risk-adjusted returns, focusing on your investment horizon instead of trying to beat the market. We also aim to do so in the most cost-effective way possible, by investing funds in a globally diverse portfolio of low-cost and high liquidity ETFs. But before we start investing, we try to understand your personal situation and specific goals, so that we can offer the highest quality advice that is tailored to your needs.
Absolutely not. We always want you to be in full control of your funds. While its important to adhere to an investment plan to achieve your goals, we offer full flexibility for you to invest or withdraw your funds as per your requirements. We are able to do so by choosing to allocate funds only in the highest quality and most liquid ETFs, which can be divested at any time without incurring any penalties.
Tiva Money offers one of the lowest fees (0.5% per annum) in the region. This fee, charged monthly, is applicable on invested funds. In other words, if your total investment amount is AED 10,000, we charge a fee of only about AED 4 per month. With this fee, you get access to globally diversified portfolios, support from our team, investment research, and your own personal dashboard. The underlying low-cost ETFs in which funds are invested carry their own fees, ranging from 0.1%-0.2% p.a. The NAV’s of those ETF’s are calculated net of this fee.
I want to have a monthly retirement income of AED 20,000, when I retire at the age of 60 Years.
Are you investing enough for retirement? Most people are not.
As per US Fed data, Americans in their 60s have average retirement funds of US$182K (not including those without a retirement account). While this sounds like a decent sum, it would result in monthly annuities of little over US$1,000. The picture is even more stark in other countries, with lower levels of financial education and access to investment products.
With Tiva Money, you can start planning for a comfortable retirement today. All you have to do is decide what is your desired level of income at retirement and when you plan to retire, and we will create a plan for you.
My child’s first name is Ali, who is 3 years old. Ali wants to go to Canada for a Bachelor's degree at a Private university. The duration of the degree is 4 years. We will need to fund Ali's living expenses in college. The course will begin when Ali turns 17 years.
Most parents dream for their children to have the best possible future, starting with their higher education. However, with education costs rising all over the world, sending your children to a top notch global university has been increasingly difficult. Many parents struggle to even estimate how much they would need to save to achieve this goal. At Tiva Money, we have done extensive economic research to offer you the right guidance. The questionnaire asks simple questions regarding your aspirations for your children’s education, such as where and when you would like to send your child for higher education. Based on your answers, Tiva Money’s data driven platform estimates how much money you will need when it is time for your children to go to college, and offers a tailor-made investment plan to help you get there.
I want to buy a 3 BHK apartment, in a Tier 1 city in the USA. I will buy the home after 4 years with a downpayment of 10%. I plan to take a mortgage loan with a tenure of 20 years to pay the rest.
For most individuals and families, their primary residence remains the single largest asset on their personal balance sheets. Indeed, real estate is the largest and the most important asset class worldwide. Buying a home is also one of the most important decisions you will ever make.
Tiva Money’s driven platform estimates how much you will need to make the down payment, based on your answers to when and where you would like to buy a house, and a few other basic questions.
To ensure that you have enough funds and are ready to take that important leap of owning your own home, Tiva Money offers customized investment plans suited to your specific goals.
Not all individuals and families have the same goals, and that’s alright. You may have a unique life goal that may not be about planning for retirement, or saving for your children’s education. Whether you want to buy your dream car, move to a new country, or indulge in some other luxury, planning in advance will make it easy to help you achieve it.
Using Tiva Money, you can create your own custom plan based on how much money you may want for your future needs. Alternatively, you can start a monthly investment plan based on how much you can save and invest each month, taking into account your current income and monthly expenses. The power of compounding will make your wealth grow fast!