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AED

UAE Dirham

AED · United Arab Emirates

23
Low
Risk
Historical Scores
202530Jul 2021Jul 2023Oct 2026
What does this mean for you?

The UAE Dirham is one of the safest currencies in the world, scoring just 23 out of 100. Strong institutions, low inflation, and global trust make it a reliable store of value.

You only need about 2.8%/yr to stay ahead. A basic savings account is enough. Calculator ↓

Inflation
1.3%
Debt / GDP
1.8%
GDP Growth
4.0%
FX Volatility
Not available
Governance
0.7
Reserves
5.2 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Government debt is low — less pressure to print money
Strong institutions and rule of law
What to watch out for
No major concerns

Savings Impact Calculator

AED
Holding cash in AED1.3% inflation
AED 940−AED 60 (6% purchasing power lost)
Your AED 1,000 buys 6% less in 5 years
What if you invested AED 1,000 instead? (5yr, in AED terms)
Hold USD Cash
AED 859
−AED 141
-3.0%/yr net in AED
S&P 500
AED 1611
+AED 611
range: AED 734–AED 3176
10% USD return + 0.0% FX · ±16% vol
Gold
AED 1469
+AED 469
range: AED 418–AED 4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
AED 3052
+AED 2052
range: AED 180–AED 18.4k
25% USD return + 0.0% FX · ±54% vol

All values in AED. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between United Arab Emirates (1.3%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.

Holding other assets too? Calculate your full portfolio risk →
This score is based on our 12-factor risk model. Think inflation or debt should matter more? Build your own model with custom weights and see how AED ranks differently.