Ro'ya Plans | Long-Term Savings Plan

Ro’ya Plans

Save regularly for financial security

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Emirates NBD offers a long–term savings & protection plan, with affordable premiums to reach your financial security goals.

Our long-term savings and protection plan is tailored to help you grow your hard earned wealth for financial security and the lifestyle you wish to live. It allows for a saved amount to be put into one of three different funds, based on your investment preference. This allows you to invest a portion, or all of your savings in equities and money market funds. This plan helps grow your savings at a higher rate than fixed income savings plans. As a protection benefit, in the unfortunate event of loss of life (God forbid), a predefined lump sum payment would be made to a predetermined beneficiary or beneficiaries.

Features & Benefits

Ro'ya Secured	EGP Fund	From 0% to 25% of the fund value is invested in equity or equity mutual funds & From 75% to 100% of the fund value is invested in fixed income securities
Ro'ya Secured	USD Fund	From 0 to 15% of the fund value is invested in equity or equity mutual funds & From 85% to 100% of the fund value is invested in fixed income securities.
Ro'ya Balanced	EGP Fund	From 20% to 50% of the fund value is invested to equity or equity mutual funds & From 50% to 80% of the fund value is invested in fixed income securities
Ro'ya Balanced	USD Fund	From 10% to 30% of the fund value is invested in equity or equity mutual funds & From 70% to 90% of the fund value is invested in fixed income securities
Ro'ya Ambitious	EGP Fund	From 20% to 100% of the fund value is invested in equity or equity mutual funds & From 0 to 80% of the fund value is invested in liquid or cash instruments

Available in both Egyptian Pound and US Dollar (except the ambitious fund)
Premium payment is made through a free direct debit service from any Emirates NBD Egypt bank accounts to Allianz Life Assurance Company Egypt
Payment at maturity can be received through a lump sum payment or annuities over an agreed period of time, or a mix of both
Optional total permanent disability cover, where a lump sum insurance amount is paid to the insured in the unfortunate case of total disability
Policyholders can make any additional contribution into the plan at any time to boost investments upon request
Minimum Policy Term: 5 years
Minimum entry age: 21
Maximum entry age (for loss of life cover): 60. This cover can insure you up to the age of 75
Maximum entry age (for disability cover): 55. This cover can insure you up to the age of 60
The policy liquidation is permitted after the second year
Frequency of contribution: Annually – Half Yearly – Quarterly – Monthly
Flexibility to change your chosen mix of funds for free once a year and with a charge unlimited times after that, according to your preference
Flexibility to change your plan once every year in terms of contributions, insurance amounts and tenor

* All insurance products are offered by Allianz Life Assurance Company Egypt and subject to Allianz policy terms & conditions

Ro’ya Plans

Save regularly for financial security

Emirates NBD offers a long–term savings & protection plan, with affordable premiums to reach your financial security goals.

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