‫اﻟﺮﺳﻮم اﻹدارﻳﺔ* )ﻧﺴﺒﺔ ﻣﻦ ﻗﻴﻤﺔ اﻻﺷﱰاك(‪:‬‬

‫‪Administrative Fee* (% of contribution amount):‬‬

‫ﻣﺘﻮﺳﻂ اﻟﺮﺳﻮم اﻹدارﻳﺔ ‪ % 7‬ﻣﻦ ﻗﻴﻤﺔ اﻻﺷﱰاك ﺗﺒﺪأ‬
‫ﻣﻊ اﻻﺷﱰاك اﻷول وﺗﺘﻨﺎﻗﺺ ﺗﺪرﻳﺠﻴﺎ ً ﻛﻞ ﺳﻨﺔ‬

‫ﺑﺮاﻣﺞ‬ ‫‪Savings‬‬ ‫اﻟﺴﻨﺔ اﻟﺨﺎﻣﺴﺔ‬ ‫اﻟﺴﻨﺔ‬ ‫اﻟﺴﻨﺔ‬ ‫اﻟﺴﻨﺔ‬ ‫اﻟﺴﻨﺔ‬

‫اﻟﺤﻤﺎﻳﺔ واﻻدﺧﺎر‬ ‫‪and Protection‬‬

‫وﺣﱴ ﻧﻬﺎﻳﺔ اﻟﻌﻘﺪ‬
‫‪5th year till‬‬
‫‪maturity date‬‬
‫اﻟﺮاﺑﻌﺔ‬
‫‪4th Year‬‬
‫اﻟﺜﺎﻟﺜﺔ‬
‫‪3rd Year‬‬
‫اﻟﺜﺎﻧﻴﺔ‬
‫‪2nd Year‬‬
‫اﻷوﱃ‬
‫‪1st Year‬‬

‫‪program‬‬ ‫‪%3‬‬ ‫‪%7‬‬ ‫‪%7‬‬ ‫‪% 20‬‬ ‫‪% 37.5‬‬

‫* ﺗﻢ اﺣﺘﺴﺎب اﻟﺮﺳﻮم إدارﻳﺔ ﺑﻨﺎء ﻋﲆ ﻋﻘﺪ ﻣﺪﺗﻪ ‪ 15‬ﺳﻨﺔ‬

‫‪* Admin fees was calculated based on 15 years contract‬‬

‫رﺳﻮم اﻟﺘﺼﻔﻴﺔ‬
‫)ﻧﺴﺒﺔ ﻣﻦ ﻗﻴﻤﺔ ﻣﺒﻠﻎ اﻻﺳﺘﺜﻤﺎر اﻟﻤﱰاﻛﻢ(‪:‬‬
‫‪Surrender Fee (% of accumulated investment amount):‬‬

‫ﻣﻦ اﻟﺴﻨﺔ اﻟﺮاﺑﻌﺔ‬ ‫اﻟﺴﻨﺔ‬ ‫اﻟﺴﻨﺔ‬ ‫اﻟﺴﻨﺔ‬

‫وﺣﱴ ﻧﻬﺎﻳﺔ اﻟﻌﻘﺪ‬ ‫اﻟﺜﺎﻟﺜﺔ‬ ‫اﻟﺜﺎﻧﻴﺔ‬ ‫اﻷوﱃ‬
‫‪Starting from 4th Year‬‬ ‫‪3rd Year‬‬ ‫‪2nd Year‬‬ ‫‪1st Year‬‬
‫‪till maturity date‬‬

‫ﺑﺪون رﺳﻮم ﻟﻺﻟﻐﺎء‬

‫‪No Fees‬‬ ‫‪% 10‬‬ ‫‪% 20‬‬ ‫‪% 30‬‬
‫‪for Cancellation‬‬

‫ﴍﻛﺔ اﻟﺮاﺟﺤﻲ اﻟﻤﴫﻓﻴﺔ ﻟﻼﺳﺘﺜﻤﺎر‪ ،‬ﻧﻮع اﻟﻜﻴﺎن‪ :‬ﻣﴫف ‪ /‬ﻣﺆﺳﺴﺔ ﻣﺎﻟﻴﺔ‪ ،‬ﴍﻛﺔ ﺳﻌﻮدﻳﺔ ﻣﺴﺎﻫﻤﺔ ﺑﺮأس ﻣﺎل‪40,000,000,000.00 :‬‬
‫رﻗﻢ اﻟﺴﺠﻞ اﻟﺘﺠﺎري‪ ،1010000096 :‬ﺻﻨﺪوق ﺑﺮﻳﺪ‪ 28 :‬اﻟﺮﻳﺎض ‪ 11411‬اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ‪ ،‬ﻫﺎﺗﻒ‪ ،+966 11 2116000 :‬اﻟﻌﻨﻮان‬
‫اﻟﻮﻃﲏ‪ :‬ﴍﻛﺔ اﻟﺮاﺟﺤﻲ اﻟﻤﴫﻓﻴﺔ ﻟﻼﺳﺘﺜﻤﺎر‪ 8467 ،‬ﻃﺮﻳﻖ اﻟﻤﻠﻚ ﻓﻬﺪ‪-‬ﺣﻲ اﻟﻤﺮوج‪ ،‬وﺣﺪة رﻗﻢ )‪ ،(1‬اﻟﺮﻳﺎض‪ ، 2743 – 12263 ،‬اﻟﻤﻮﻗﻊ‬
‫اﻹﻟﻜﱰوﱐ‪ ، www.alrajhibank.com.sa :‬ﻣﺮﺧﺺ ﻟﻬﺎ ﺑﺮﻗﻢ اﻟﱰﺧﻴﺺ‪ ، 1420 :‬وﺧﺎﺿﻌﺔ ﻟﺮﻗﺎﺑﺔ وإﴍاف اﻟﺒﻨﻚ اﻟﻤﺮﻛﺰي اﻟﺴﻌﻮدي‪.‬‬

‫‪Al Rajhi Banking & Investment Corp., Entity type: Bank \ Financial Institution, Saudi Joint Stock Corp. With a Capital of S.R.‬‬
‫‪40,000,000,000.00 C.R. NO: 1010000096, P O Box: 28 Riyadh 11411 Kingdom of Saudi Arabia.‬‬
‫)‪Tel: +966 11 2116000, National Address: Al Rajhi Banking & Investment Corp. 8467 King Fahd Road - Al Muruj Dist, Unit No (1‬‬
‫‪Riyadh 12263 – 2743, Web: www.alrajhibank.com.sa, SAMA Lic No: 1420 It is controlled and supervised by Saudi Central Bank‬‬
 ‫ﺑﺮاﻣﺞ اﻟﺤﻤﺎﻳﺔ واﻻدﺧﺎر‬ :‫ﻫﻨﺎﻟﻚ أﺳﺒﺎب ﻋﺪﻳﺪة وﻣﻤﲒة ﻟﻠﺒﺪء ﺑﱪاﻣﺞ اﻟﺤﻤﺎﻳﺔ واﻻدﺧﺎر وﻫﻲ ﻛﺎﻟﺘﺎﱄ‬
Savings and Protection program ‫ ﻣﺴﺎﻋﺪﺗﻚ ﰲ اﺳﺘﺜﻤﺎر ﻣﺪﺧﺮاﺗﻚ ﻋﲆ اﻟﻤﺪى اﻟﻄﻮﻳﻞ ﺑﻄﺮﻳﻘﺔ ﻣﺘﻮاﻓﻘﺔ‬-
.‫ﻣﻊ أﺣﻜﺎم اﻟﴩﻳﻌﺔ اﻹﺳﻼﻣﻴﺔ ﻟﺘﺤﻘﻴﻖ أﻫﺪاﻓﻚ اﻟﻤﺮﺟﻮة‬
‫ ﺳﻬﻮﻟﺔ اﻻﺳﺘﺜﻤﺎر ﰲ اﻟﺼﻨﺎدﻳﻖ اﻻﺳﺘﺜﻤﺎرﻳﺔ ﻟﺘﺤﻘﻴﻖ ﻧﻤﻮ ﻋﲆ اﻟﻤﺪى‬-
Children's ‫اﻷﺑﻨﺎء‬ personal ‫اﻟﺸﺨﴢ‬ .ً‫ رﻳﺎل ﺷﻬﺮﻳﺎ‬300 ‫اﻟﻄﻮﻳﻞ وذﻟﻚ اﺑﺘﺪاء ﻣﻦ‬
‫ ﰲ ﺣﺎﻟﺔ اﻟﻮﻓﺎة »ﻻ ﺳﻤﺢ ﷲ« ﻓﺴﻮف ﺗﻘﻮم ﴍﻛﺔ ﺗﻜﺎﻓﻞ اﻟﺮاﺟﺤﻲ‬-
‫ﺑﺪﻓﻊ ﻣﺒﻠﻎ اﻟﺤﻤﺎﻳﺔ اﻟﻤﺘﻔﻖ ﻋﻠﻴﻪ ﰲ اﻟﱪﻧﺎﻣﺞ اﻟﺸﺨﴢ أو ﺗﻘﻮم ﺑﺴﺪاد‬
.‫ﻛﺎﻓﺔ اﻻﺷﱰاﻛﺎت اﻟﻤﺘﺒﻘﻴﺔ إﱃ ﻧﻬﺎﻳﺔ اﻟﻌﻘﺪ ﰲ ﺑﺮﻧﺎﻣﺞ اﻷﺑﻨﺎء‬
«‫ وﺟﻮد ﺗﻐﻄﻴﺎت ﺣﻤﺎﻳﺔ إﺿﺎﻓﻴﺔ ﻣﺜﻞ اﻟﻌﺠﺰ اﻟﻜﲇ اﻟﺪاﺋﻢ »ﻻ ﺳﻤﺢ ﷲ‬-

‫ﻣﺰاﻳﺎ اﻟﱪﻧﺎﻣﺞ‬
ً ‫ رﻳﺎل ﺷﻬﺮﻳﺎ‬300 ‫ ﻳﺒﺪأ ﻣﻦ‬:‫ﻣﺒﻠﻎ اﻻدﺧﺎر‬ ً ‫ رﻳﺎل ﺷﻬﺮﻳﺎ‬300 ‫ ﻳﺒﺪأ ﻣﻦ‬:‫ﻣﺒﻠﻎ اﻻدﺧﺎر‬
!‫اﻟﻤﺮوﻧﺔ ﰲ ﺗﻐﻴﲑ ﻛﺎﻓﺔ ﺑﻨﻮد اﻟﻌﻘﺪ ﰲ أي وﻗﺖ‬ -
‫ ﺳﻨﻮات‬10 ‫ ﺗﺒﺪأ ﻣﻦ‬: ‫اﻟﻤﺪة‬ ‫ ﺳﻨﻮات‬10 ‫ ﺗﺒﺪأ ﻣﻦ‬: ‫اﻟﻤﺪة‬
‫ﺗﻐﻴﲑ ﻗﻴﻤﺔ اﻻﺷﱰاك ﺳﻮاء ﺑﺎﻟﺰﻳﺎدة أو اﻟﻨﻘﺼﺎن‬ -
‫ ﻧﻤﻮ‬،‫ ﻣﺘﻮازن‬،‫ ﻣﺤﺎﻓﻆ‬:‫ﻧﻮع ﺻﻨﺪوق اﻻﺳﺘﺜﻤﺎر‬ ‫ ﻧﻤﻮ‬،‫ ﻣﺘﻮازن‬،‫ ﻣﺤﺎﻓﻆ‬:‫ﻧﻮع ﺻﻨﺪوق اﻻﺳﺘﺜﻤﺎر‬
‫ﺗﻐﻴﲑ ﻣﺒﻠﻎ اﻟﺤﻤﺎﻳﺔ ﺳﻮاء زﻳﺎدة أو ﻧﻘﺼﺎن‬ -
‫ أﻟﻒ رﻳﺎل‬50 ‫ ﻳﺒﺪأ ﻣﻦ‬:‫ﻣﺒﻠﻎ ﺗﻐﻄﻴﺔ اﻟﺘﺄﻣﲔ‬ ‫ أﻟﻒ رﻳﺎل‬50 ‫ ﻳﺒﺪأ ﻣﻦ‬:‫ﻣﺒﻠﻎ ﺗﻐﻄﻴﺔ اﻟﺘﺄﻣﲔ‬
‫ﺗﻐﻴﲑ ﻧﻮع اﻟﺼﻨﺪوق اﻹﺳﺘﺜﻤﺎري واﻟﺘﻮزﻳﻊ ﺑﻴﻨﻬﻢ‬ -
‫ﺑﻨﻬﺎﻳﺔ اﻟﻤﺪة ﺗﺤﺼﻞ ﻋﲆ ﻣﺒﻠﻎ اﻻﺳﺘﺜﻤﺎر وﰲ ﺣﺎل اﻟﻮﻓﺎة ﻻ‬ ‫ﺑﻨﻬﺎﻳﺔ اﻟﻤﺪة ﺗﺤﺼﻞ ﻋﲆ ﻣﺒﻠﻎ اﻻﺳﺘﺜﻤﺎر وﰲ ﺣﺎل اﻟﻮﻓﺎة ﻻ‬
‫ﺳﻤﺢ ﷲ ﺳﻴﺘﻢ اﺳﺘﻜﻤﺎل دﻓﻊ ااﻻﺷﱰاﻛﺎت ﻋﻦ ﻃﺮﻳﻖ ﺻﻨﺪوق‬ .‫ﺳﻤﺢ ﷲ ﻳﺘﺤﺼﻞ اﻟﻤﺴﺘﻔﻴﺪون ﻋﲆ ﻣﺒﻠﻎ اﻟﺤﻤﺎﻳﺔ ﻛﺎﻣﻞ‬ ‫ﺗﻐﻴﲑ اﻟﻤﺴﺘﻔﻴﺪﻳﻦ‬ -
‫ﺗﻜﺎﻓﻞ إﱃ ﺣﲔ اﻟﻤﺪة اﻟﻤﺤﺪدة وﺑﻌﺪ اﺳﺘﻜﻤﺎل اﻟﻤﺪة ﺳﻴﺘﻢ‬ ‫✓ اﻟﺴﺤﺐ اﻟﺠﺰﰄ ﻣﻦ اﻟﺤﺴﺎب اﻹﺳﺘﺜﻤﺎري ﻟﻠﱪﻧﺎﻣﺞ اﻟﺸﺨﴢ ﺑﻌﺪ‬
.‫دﻓﻊ ﻣﺒﻠﻐﺎ اﻻﺳﺘﺜﻤﺎر وﻫﺬا ﻳﻌﺘﱪ اﻟﺤﻤﺎﻳﺔ ﰲ ﺑﺮﻧﺎﻣﺞ اﻻﺑﻨﺎء‬ ‫ ﺳﻨﻮات‬3 ‫ﻣﺮور‬
Saving amount: starts from 300 riyals per month
‫✓ إﻣﻜﺎﻧﻴﺔ إﺿﺎﻓﺔ ﻣﺒﻠﻎ إﺿﺎﰲ ﻟﺤﺴﺎب اﻹﺳﺘﺜﻤﺎر وﺳﺤﺒﻪ ﰲ أي وﻗﺖ‬
Saving amount: starts from 300 riyals per month Duration: starting from 10 years
Duration: starting from 10 years Investment fund type: conservative, balanced, growth
Investment fund type: conservative, balanced, growth Insurance coverage amount: starts from 50 thousand riyals
Insurance coverage amount: starts from 50 thousand riyals There are several diverse reasons to start a Savings and
At the end of the period, you will receive the investment
At the end of the period, you will get the investment amount. In the event of death, God forbid, the beneficiaries Protection Plan, which may include:
amount. In the event of death, God forbid, the payment of will receive the full protection amount. - Investing your savings in a way that is compatible with
contributions will be completed through the Takaful Fund Islamic Sharia principles to achieve your desired goals in the
until the fund maturity, which is considered protection in the
long term.
children’s’ program.
- Ease of investing in investment funds, to achieve long-term
growth, starting from 300 riyals per month.

Personal program example ‫أﻣﺜﻠﺔ ﻟﻠﱪﻧﺎﻣﺞ اﻟﺸﺨﴢ‬ - In the event of death or total disability, God forbid, Al Rajhi
Takaful Company will pay the agreed protection amount or
the investment amount (whichever is higher).
‫ ﺳﻨﺔ‬20 ‫ ﺳﻨﺔ‬15 ‫ ﺳﻨﻮات‬10 ‫ﻣﺒﻠﻎ اﻟﺤﻤﺎﻳﺔ‬ ‫ﻣﺒﻠﻎ اﻻﺷﱰاك اﻟﺸﻬﺮي‬ Program advantages:
20 Years 15 Years 10 Years Protection amount Monthly contribution - Flexibility to change all terms of the contract at any time
- Changing the subscription value, whether by increase or
110,837 71,974 41,498 50,000 300 decrease
- Changing the prtection amount value, whether by increase
184,291 119,632 69,024 90,000 500 or decrease
- Changing the type of investment
- Changing beneficiaries
371,572 241,556 139,191 125,000 1,000 ✓ Partial withdrawal from the investment account of the
personal program after 3 years
1,106,416 720,317 413,317 400,000 3,000 ✓ TComplete flexibility of addition or withdrawal to the
Investment account