Our Services

Your relationship with HARBOUR can be structured in a variety of
ways depending on your desired level of involvement and strategy
for your investment portfolio.

Global Custody

The Dubai International Financial Centre offers a unique common law offshore booking centre. With our global reach, account consolidation, and a tax-efficient regime, you will be able to achieve true global portfolio diversification at a reasonable cost.


We provide advisory services on products and portfolios to assist you in making informed investment decisions. We also advise on credit with other counterparties. We can provide guidance into your portfolio’s risk exposure and assess its component allocations. We can research a product of your choice and provide you with an independent and informed price and risk assessment.


If you are more inclined to trade global markets using our platform, we can set up an execution-only account with access to the same global network of traders with whom HARBOUR acts as introducing Broker.

Risk Assessment

To better serve your portfolio management needs, we will initially conduct a risk tolerance assessment to identify your levels of risk and reward. We will quantify the semantics of subjective terms like “moderately conservative” and “moderately aggressive” with a Risk Budget. We will continuously monitor your portfolio to ensure that it meets your individual investment goals and unique expectations.

Arranging & Advising on Credit

There are many cases in which it is more economical to arrange a Lombard  loan to access liquidity than it is to liquidate a portion of the portfolio: tax  efficiency, transaction costs, and opportunity costs. HARBOUR is licensed to  advise you on credit transactions and arrange the borrowing with 3rd parties  by pledging the financial assets held in custody with HARBOUR as collateral for  the benefit of the 3rd party creditors.

Discretionary Portfolio Management

With a Discretionary Mandate, you will benefit from Harbour’s day-to-day access to the risk systems used to monitor and control clients’ risk level exposures. Value at Risk (VaR) and stress testing models will be made available and can be shared with the clients. A portfolio’s target allocation must be in line with the targeted Risk Budget calculated earlier during the questionnaire process. In this way, we can ensure that investors do not make an emotional decision to liquidate and allow them to let the markets do their job of taking the portfolios where they are expected to be.

Portfolio Construction

We can assist you in building a suitable portfolio aligned with your risk tolerance. This service is offered to our Advisory and Discretionary Portfolio clients. Using cutting-edge risk technology, we ensure that the portfolio is aligned with your investment goals and expectations. To do this, we must start the process by estimating your risk tolerance by conducting a Risk Assessment.

The information herein contained, including any terms and conditions presented (the information) has been prepared and distributed by Harbour Wealth Management (HWM) and is directed at Clients (non-retails costumers) who qualified as either professional Clients (as defined in DFSA’s rule book, glossary module (“GLO”) or Market Counterparties (cf.GLO) enacted by Dubai Financial Services Authority (‘DFSA’). This document is being furnished to the intended recipient solely for information purposes. Any investments carry its own risks; the investor must be aware of the risks posed by an investment (Cf. GLO) and is fully responsible for the risks incurred. The information is not and cannot be understood as impartial investment research. HWM does not guarantee the accuracy or completeness of the information and the opinions expressed herein are HWM’s opinions at the moment they are conveyed only and are subject to change without prior notice. This document cannot be reproduced, in whole or in part, in any form or by any means without HWM’s specific authorization and any distribution of the information on behalf of HWM is strictly prohibited. Neither this document nor any copy hereof may be sent or taken or transmitted into or distributed, directly, or indirectly, in any jurisdiction other then Dubai International Financial Centre. Any failure to comply with this restriction may constitute a violation of the laws of the jurisdiction where the document is being redistributed. This document does not constitute or form part of, and should not be construed as, any offer for sale or subscription of or solicitation of or invitation to make any offer to purchase or subscribe for any financial products or services and neither this document nor any part of it shall form the basis of or be relied on in connection with or act as an inducement to enter into any contract or commitment whatsoever. HWM does not accept any kind of liability for losses or damages which may arise from the use of this document or its contents nor for the unlawful reproduction and/or redistribution of the same. HWM is dully licensed and Regulated by the DFSA and is 100% owned by AFM INTERNATIONAL, a company with registered address at Level 3, Sky Parks Business Centre, Malta International Airport, Luqa, Malta.