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Savings & investments

Equity fund (UCITS)

Equity UCITS invest in a diversified portfolio of shares listed on Casablanca Stock Exchange (MASI, MADEX) or international. High return potential (6 to 12% per year long-term) but with strong volatility.

Key characteristics

Annual yield

6-12%

Entry ticket

1 000 MAD

Horizon

5 to 10 years

Risk

5/5

Liquidity

Short (days)

How it works

Purchase units of an actively managed fund (or passively for trackers). The manager selects securities according to their strategy. NAV reflects equity market performance.

Advantages

  • High potential return long-term
  • Diversification across 30-80 securities
  • Professional management
  • Programmed savings plan possible (SICAV-DAT)

Disadvantages

  • Capital not guaranteed, losses possible
  • High volatility (±20-30% per year)
  • Management fees 1.5 to 2.5%
  • Long horizon required

2026 taxation

Capital gains on listed shares: 20% (15% if held via PEA). Dividends: 15%.

For whom?

Long-term savers (10+ years) accepting risk, to fund retirement, children's education, or build wealth. Avoid with money needed short-term.

Recommended institutions

Official partnerAttijariwafa Bank

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Also available

CIH BankBanque PopulaireBank of Africa

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