UAE residents can now build a reliable secondary income stream with just a Dh1,000 monthly investment—thanks to the “Second Salary” programme by National Bonds, offering flexibility, guaranteed returns, and even a rewards-based incentive structure.
Looking for a way to boost your income without juggling another job? The UAE’s “Second Salary” savings plan by National Bonds offers just that. By committing to a monthly investment starting from Dh1,000, residents—both locals and expatriates—can secure a future payout or opt for a lump sum, making it one of the most accessible supplemental income options available.
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The plan is structured in two distinct phases:
1. Saving Phase:
Participants contribute a fixed amount each month, with the flexibility to choose a savings period ranging from three to ten years.
2. Income Phase:
After the saving term ends, investors begin receiving a steady monthly return, combining both their principal and earned profits. For example:
Saving Dh5,000 monthly for 10 years can lead to a monthly payout of approx. Dh7,500 for the following decade.
Saving the same amount over five years, with a redemption spread over three years, could yield about Dh10,020 per month.
Alternatively, investors can choose a direct lump-sum redemption suited for specific financial needs like education or real estate.
The plan offers an anticipated profit rate around 3.25% to 4% per annum, depending on the tenure and frequency of reinvestment.
Contributions start affordably, opening the door to a broad demographic.
Participants qualify for entry into National Bonds’ Dh35 million Rewards Programme, with prize categories including quarterly Dh1 million draws, luxury cars, and thousands of smaller cash rewards.
Subscription fees are waived after completing three years of enrollment.
Capital is Sharia-compliant and protected.
In a climate of economic uncertainty and inflation concerns, the Second Salary plan provides peace of mind. It’s designed to:
Secure financiers with stability and growth.
Offer realistic supplemental income for individuals without traditional investment channels.
Encourage long-term savings and financial planning.
Group CEO of National Bonds says the initiative empowers residents to maintain their lifestyle and set up a safety net—especially as financial priorities grow through life stages.
| Feature | Details |
|---|---|
| Minimum Investment | Dh1,000 per month |
| Saving Tenure | 3 to 10 years |
| Income Phase Options | Monthly payouts or lump-sum redemption |
| Expected Returns | Approx. 3.25%–4% per annum, reinvested monthly |
| Rewards Eligible | Entry into Dh35 million draw pool |
| Exit Options | Full redemption after 90 days |
| Fee Structure | No subscription fee after three years |
The “Second Salary” programme is more than just a savings plan—it's a flexible, reward-infused path to a stable secondary income. Whether you're planning for the future or aiming to supplement current earnings, this program delivers access, choice, and peace of mind—all starting at Dh1,000 a month.
