XTB Investment Plans have expanded in the broker’s UAE app, adding individual shares alongside exchange-traded funds and offering ready-made, sector-focused and do-it-yourself portfolios. The October 2026 update broadens how clients can build a plan, but does not specify local fees, minimum deposits or the full list of available investments.

Key Takeaways

  • UAE clients gain ready-made, sector-focused and do-it-yourself plan options.
  • Auto-investing and on-demand rebalancing remain available.
  • The announcement leaves local costs, instrument coverage and access for every client unconfirmed.

What changes in XTB Investment Plans

The upgrade moves the product beyond its traditional ETF-based portfolios by allowing individual company shares within a plan. An updated interface is intended to make portfolio composition and results clearer.

Ready-made portfolios offer globally diversified allocations with different risk profiles. Sector plans concentrate on selected industries, while the do-it-yourself option lets clients choose instruments and set their own allocations.

XTB’s Investment Plans product overview explains how stocks and ETFs can be combined and how automated contributions follow a plan’s allocation. That general product description carries GBP-denominated terms; it does not establish UAE fees, minimum investments or instrument availability.

Chief Executive Officer Omar Arnaout said the company wanted to make the first step into investing easier through predefined solutions and options matching different risk tolerances.

Automation is not portfolio management

The plans retain scheduled contributions through auto-investing and on-demand rebalancing. These tools help users implement an allocation, but XTB’s UAE terms state that Investment Plans do not provide investment advice or portfolio management.

Predefined portfolios use the same assets for all clients rather than being individually tailored. XTB’s help material also says predefined plans cannot be manually edited, making the DIY option the route for users who want to select their own weights.

The choice of format matters for risk. Globally diversified portfolios spread exposure more widely, while sector plans and concentrated individual-share allocations can make results more dependent on a particular industry or company.

UAE costs and access remain unspecified

The announcement does not say whether the upgrade changes fees or minimum deposits, identify the available stocks and ETFs, or confirm that every client can immediately access all three formats. Terms advertised in other jurisdictions should not be assumed to apply to UAE accounts.

There is also a limitation for investors with existing holdings: XTB’s help centre says shares or ETFs already held in a main account or at another brokerage cannot currently be transferred directly into an Investment Plan. The new tool therefore does not provide a direct way to reorganise those holdings into a plan.

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