Employee benefits4 min read
Save & Invest, explained: a savings habit from 1% of salary.
How payroll contributions, two Shariah-compliant portfolios and a clear dashboard give employees a simple path to financial growth.
Save & Invest is Kaman’s newest product. It gives employees a simple path to financial growth: they contribute as little as 1% of their monthly salary, choose a risk level, and their savings are invested through managed portfolios.
How it works
- Enrol and set a contribution: employees opt in and set a recurring payroll deduction, starting from 1% of salary.
- Choose a portfolio: a low-risk or a high-risk portfolio, based on personal risk appetite.
- Grow and track: savings are invested automatically and tracked from a clear dashboard.
Two paths, one goal
Both portfolios are Shariah-compliant, and all assets are screened and certified. The low-risk portfolio focuses on capital preservation through fixed income and diversification. The high-risk portfolio offers higher growth potential through equities, technology and real estate. Employees can switch portfolios from their dashboard.
What it means for employers
Save & Invest gives employees a reason to stay, because their savings grow with tenure. For an employee earning EGP 25,000 a month, a 1% contribution is EGP 250 a month, or EGP 3,000 a year set aside automatically.
Investing involves risk, including loss of capital. Save & Invest is not a bank deposit, and all figures are indicative.
