Turn Spare Change Into Wealth—See How Our Users Invested +415% more in 2024 🚀

Thanks to everyone who joined our early-access roundup investing program for 2024! We’re gearing up for the big shift in March 2024, when UAE banks adopt the Central Bank’s OpenFinance framework, opening Pasiv’s doors to everyone in the UAE.

Today’s post celebrates the impressive results from our first 84 clients who were given early access, and turned their spare change into real investment growth this year.

Spare change investing automatically rounds up your everyday purchases—whether it’s a latte at Starbucks or a grocery run—and invests the difference for you. For example, if you buy a coffee for 18 AED, it rounds up to 20 AED and the extra 2 AED gets seamlessly invested into fractional shares. No heavy lifting, no trading fees, and no stress—just steady growth from your everyday spending.

Early Access Has Ended

In May, we proudly launched the GCC's first public spare change investing app—and the results have been nothing short of incredible! Over five months, 84 lucky users (that’s 34 more than planned!) gained access to Pasiv’s spare change investing feature. To those still on the waitlist, we appreciate your patience—you're next in line! What happened with these early accounts was truly remarkable.

Easy Setup

• Onboard: Users joined Pasiv effortlessly using their Emirates ID.
• Link Bank: They connected their bank accounts and chose a card for roundups.
• Allocate: Users picked from 5 core ETFs (GLD, SPY, HLAL, UAE, BITO) or opted to hold cash.
• Set Roundup Level: They customized their roundup amount, like nearest 5 AED or 10 AED, to suit their goals.

Results At A Glance

It's Dubai, so it only makes sense that people love Gold. That part we understood. But the KPI we were after was; "How much more were active users saving with spare change vs. without spare change?" - and this exceeded even our own lofty expectations.

The Bottom Line : Faster Wealth Creation

While the stellar performance of risk assets in 2024 helped boost returns, the standout takeaway is this: participants invested 4x more with Pasiv’s micro-investing approach compared to manual DIY investing apps. That’s the power of effortless, automated investing—and it’s a real game-changer for building a solid retirement.

Let's Do the Retirement Math

Average Daily Saving = 27 aed / 3.675 = $7.34
Average Monthly Saving = 7.34 x 22 = $161.48
S&P500 ETF Return Since 1995 - 10.26%

Whether its rent you earn from a studio in JLT or dividend paying securities or fractional earnings through our DIFC neighbors at GetStake, a 6-7% income yield means this potential future balance will pay you a steady $2,150 a month in retirement income - enough to retire on a comfy sunny beach 🏖️, powered by your spare change.

Is This A More Effective Way To Invest?

The numbers speak for themselves. The difference between a Pasiv investor using the spare change feature and one who doesn’t is remarkable—in both net deposits and annualized performance.

While the impressive 22% ROI in 2024 reflects exceptional market conditions (not guaranteed for 2025), the real magic lies in the strategy. By automating daily investments into a passive ETF portfolio, users effortlessly dollar-cost average and stay consistent. Even after card interchange fees, the “set it and forget it” approach means our average investor achieves significantly better results compared to manual investing. 🎯

Pasiv India

We’re often asked why we’re not building for India, a melting pot of consumer WealthTech. Who says we aren’t? 😄

We’re in Mumbai as we speak, exploring brokerage partnerships to bring automated spare change investing to the subcontinent. India is a powerhouse of tech innovation, OpenBanking is pretty mature, and we’re thrilled to be on Dalal Street, near the Bombay Stock Exchange, crafting our MVP.

Pasiv in 2025

The spare change feature wouldn’t have been possible without our affiliate, ChoiceTrade, in the USA. Initially set up for testing, we’re now teaming up to roll out a full production version due to overwhelming demand.

Here’s a sneak peek at what’s in store for 2025:

• Fully automated spare change investing for all major UAE banks
• Voice-powered AI assistant
• A sleek new Dark Mode 🌑
• Recurring investment plans for non-UAE customers
• Arabic language support 🌍
• Local AED deposit options 💰
• Pasiv India 🇮🇳
• A possible pre-seed fundraise? (👀 Hmmm)

Stay tuned—exciting things are on the horizon! 🚀

Happy Holidays Folks

Start small, dream big—because every latte, every grocery run, and every spare dirham could bring you closer to a future of financial freedom. At Pasiv, we’re here to make it happen for you.

Join our early access waitlist today and start your journey to financial freedom.

Wishing you all the best in your investing for 2025, from the Pasiv Team.

Disclaimer
Pasiv Financial Ltd. (Pasiv) is a registered financial services company in the DIFC and is regulated by the DFSA. Pasiv is a Category 4 licensed entity with permission to arrange deals in investments & carry on services with retail clients. US Securities & Products are offered through ChoiceTrade. The content on our website and in our newsletter is for general information purposes only and should not be construed as investment advice, or a recommendation to make any particular investment. Investing involves a level of risk and you should consider your risks & objectives carefully before investing. We make no representation, and assume no liability for the accuracy or completeness of the information provided in our content.