Why Suitability Matters
Portfolio management is not suitable for every client, and pretending otherwise serves no one. Before accepting a mandate, we review whether the service is appropriate for you, considering your client classification, investment objectives, risk profile, investment horizon, financial circumstances, capacity for investment loss, liquidity requirements, knowledge and experience, jurisdiction and documentation.
The website plays no part in that judgement. It will never tell you the service is suitable, that you qualify, that you hold a particular risk profile or that you will be accepted. Those conclusions come from our team, through the approved process.
Your Portfolio Onboarding Journey
Submit your initial portfolio enquiry.
Initial contact with the Portfolio Team.
Provide your client and financial information.
Complete identity and document verification.
Complete the client-classification review.
Complete the suitability and risk-profile assessment.
Agree investment objectives and mandate terms.
Review fees, risks, disclosures and agreements.
Application decision.
Portfolio onboarding, where approved.
Client Classification
Every client is classified under the applicable regulatory framework before the service begins. The classification considers your client type, financial information, investment knowledge and experience, the relevant regulatory criteria and your supporting documentation. Your final classification is determined by AETRAM through this review; it cannot be confirmed by selecting an option on the website.
Understanding Your Investment Objectives
The purpose of the portfolio shapes everything that follows, so it is discussed properly rather than picked from a menu. During the consultation, your objectives are explored, documented and agreed through the approved process, and they become part of the written mandate. Nothing you enter on the website is used to recommend a portfolio.
How Your Risk Profile Is Assessed
Risk Tolerance
Your willingness to accept changes in portfolio value.
Capacity for Loss
Your financial ability to experience investment loss.
Time Horizon
The expected investment period.
Liquidity Needs
Your expected need to access invested funds.
Knowledge and Experience
Your understanding of the relevant risks.
Financial Circumstances
Your relevant financial position.
*The website displays no instant results. No visitor is labelled a conservative, balanced, growth or high-risk investor online, and no strategy is approved automatically; your risk profile is produced through the human-led assessment.
What We Assess
Investment Horizon
How long the portfolio is expected to run, from shorter-term liquidity needs to long-term objectives, including expected withdrawals and planned commitments.
Financial Information
Your income, assets and liabilities, existing investments, source of wealth and funds, expected investment amount and capacity for loss, all collected securely under the Privacy Policy.
Knowledge and Experience
Your previous investment experience and your familiarity with market, volatility, liquidity and currency risk, managed portfolios, and fees.
Liquidity Requirements
When and how you expect to access funds, including emergency needs and planned commitments. Some investments may be difficult to sell quickly or may sell at an unfavourable price.
Investment Restrictions
Whether the mandate should restrict asset categories, sectors, regions, currencies, concentration or liquidity. Restrictions are reviewed, accepted and recorded in the formal mandate.
Documents Required for Onboarding
For individual clients, documents typically include:
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Passport or Emirates ID
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Proof of address
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Tax information
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Contact details
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Source of funds
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Financial details
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Investment details
For non-individual clients, such as companies, partnerships and other legal entities, documents typically include:
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Incorporation or registration documents
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Trade licence
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Registered address
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Ownership and beneficial ownership information
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Authorised signatories and director information
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Source of funds
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Investment details
Additional documents may be requested depending on jurisdiction and the regulatory review.
Identity & Verification
Before accepting a portfolio management client, we complete the required verification checks: identity and address verification, source-of-funds and source-of-wealth review, sanctions and screening checks, and any other applicable due diligence. All information is handled securely under the Privacy Policy.
Agreeing the Portfolio Mandate
If your application is accepted, the mandate documents everything that governs the relationship: your investment objectives, risk profile and horizon, the permitted investments and restrictions, the portfolio-management authority granted to AETRAM, reporting arrangements and review frequency, fees and charges, the termination process and the applicable disclosures. You see it all in writing before anything is invested.
Review Everything Before You Commit
Before onboarding completes, you review the portfolio-management agreement, mandate terms, portfolio risk disclosure, fees and charges, client-classification information, Privacy Policy, Complaints Handling Policy and any other applicable legal documents. Take your time with them; they exist so that nothing about the relationship is a surprise.
Application Review
We review your completed information and documents under the approved process. The outcome may be a request for additional information or documents, further discussion, approval subject to completing the remaining requirements, or a decision that we are unable to provide the service. Approval is not automatic, and we keep you informed at each stage. Review time depends on the completeness of your information, so the fastest route through onboarding is a complete first submission.
Portfolio Setup
Once approvals and documents are complete, setup follows: the approved mandate confirmed, account readiness verified, funding instructions completed, asset transfer details confirmed where applicable, and reporting and contact arrangements set. Funding and implementation begin only after the approved onboarding process is finished, never before.
What Happens After Onboarding
With the mandate active, the relationship settles into its rhythm: your portfolio managed within the mandate, statements and transaction information at the agreed intervals, fee information matching your agreement, approved performance reporting, periodic reviews and client support whenever you need it.
Keeping Information Up to Date
Tell us when things change: contact information, tax residency, financial circumstances, objectives, risk profile, horizon, liquidity requirements, source of funds or restrictions. Material changes may require a review of the mandate or suitability assessment, which is exactly how it should work; a mandate that no longer matches your life should not keep running unexamined.
Start Your Portfolio Enquiry
*Submission does not confirm suitability, acceptance, account opening or the establishment of a client relationship.
Frequently Asked Questions
Individual and non-individual clients who meet the eligibility and suitability requirements, confirmed through our review process.
Through the approved human-led process, considering your risk tolerance, capacity for loss, horizon, liquidity needs, knowledge and experience, and financial circumstances.
No. Submission starts the conversation; suitability and acceptance are determined only through the full review.
It depends on whether you're applying as an individual or a non-individual client. Individuals typically provide a passport or Emirates ID, proof of address, tax information and financial details; non-individual applicants provide incorporation, ownership and signatory documents instead. The checklist is provided during onboarding.
It depends on the completeness of your information and documents. We keep you informed at every stage, and a complete first submission is the fastest route through.
We tell you exactly what is needed and why, and the review continues once they are received.
Only after the approved onboarding process is complete: classification, suitability, documentation, mandate agreement and funding.
Through our official complaints process, by writing to complaints@aetramfinserv.ae. The Complaints Handling page explains what to include and how escalation works.
That the service genuinely fits your objectives, circumstances, risk profile and capacity for loss. It is a regulatory obligation, and it is also how a portfolio ends up matching its owner.
You can begin online with the enquiry form, but the assessment itself is completed with our team. The website never assigns a profile or produces an instant result.
Your regulatory classification, determined by AETRAM during the review based on your circumstances, knowledge and the applicable criteria. It cannot be self-selected.
It is part of the due diligence every regulated firm must complete before accepting a client, and it protects the integrity of the service for everyone.
No. Approval depends on the outcome of the review, and we may decline where requirements are not met or the service is not appropriate.
After suitability is confirmed and before anything is invested. The mandate is documented, reviewed with you and signed as part of onboarding.
Contact the portfolio team. Material changes may prompt a review of your mandate or suitability assessment.
Onboarding Support
Contact the Onboarding Team
Get help with forms, documents and verification.
Legal Documents
Access mandates, risk disclosures, fees, privacy and classification details.
View Documents
Begin the Portfolio Onboarding Conversation
Portfolio management is subject to client classification, suitability review, documentation, mandate agreement and approval. Returns are not guaranteed.