Managed vs. DIY Investment in Egypt: The Best way to Grow Your Savings

ashour0
Aug 2
3 min read

Are you searching for the best way to save and invest in Egypt? Whether you’re looking to outgrow your bank account interest, experiment with investing apps like Thndr, or join a modern saving circle with Money Fellows, Egypt’s financial choices are more exciting—and complex—than ever.

If you’re ambitious, aged 25–44, and belong to Egypt’s emerging social Classes A & B, making the right financial decision today can set you up for tomorrow’s dreams. Let’s break down the options and discover why PALM’s goal-based, managed investment platform is where next-gen savers are turning to not just safeguard, but grow, their money.

Quick Comparison: What’s the Best Way to Invest and Save in Egypt?

Feature	Bank Account	Thndr	Money Fellows	PALM
Returns	Low (Fixed)	Market Dependant	No Real Growth	Incentivized, Optimized Market Dependant Growth
Security	Very High (Regulated By Central Bank of Egypt)	Very High (Regulated by Egyptian Financial Regulatory Authority)	High (Under the supervision of the Central Bank of Egypt's Innovation Sandbox)	Very High (Regulated by Egyptian Financial Regulatory Authority)
Goal Support	None	You Motivate Yourself	Driven by installements	Goal Progress and Rewards
Time / Effort Needed	Very Low	High (You Need to Learn and Follow Market)	Very Low	Very Low
Personalization	None	You Need to Diversify Yourself	None	Personalized based on your preference and the goal you're saving for
Help In Purchase	Using Bank Card and paying fees to use it	None	Using Their Card and paying fees for it but getting merchant rewards	No fees, get additional discount from merchants and redeem your savings with them
Fees	You Pay Fees for the account and cards (Expect 100-500 EGP / Month)	Deposit and Withdrawal Fees, Order Processing Fees, Subscription Fees for Real Time Prices and Access to Research	Deposit and Withdrawal Fees, Saving Circle Administrative Fees, Platform Fees, etc.	One Low Management Fee Paid for Managing your Investments, No Other Fees

Find the Solution That Fits Your Ambitions

1. Bank Accounts: Safe, But with Locks, Tiers, Minimum Balances, and Slow Growing

Traditional bank accounts in Egypt are reliable—your funds are secure, and you have instant access. But for high-achieving savers, interest rates remain lower than inflation. There’s no built-in motivation or smart guidance to help you hit your goals; it’s just your balance inching forward, almost passively.

2. Thndr: DIY Investments for the Bold Traders who can Afford Time to Learn How to Invest and Manage Their Investments

Thndr makes Egyptian stocks, gold, and mutual funds accessible to all. You control your own investments and benefit from strong mobile features and educational resources. However, you need knowledge and time to research, pick, and monitor your investments—meaning the risk, stress, and decisions are all on you.

3. Money Fellows: Modern Social Saving for a Very Old System That Relied On Social Ties and Peer Guarantees

Money Fellows brings Egypt’s beloved “game’eya” (group saving circles) into the app era. You save together, take turns receiving lump sums, and depending on your turn, you either pay fees or get some cashback. While socially rewarding, the platform doesn’t grow your money—what you put in is what you get out (sometimes even less, if fees are factored). The power of the game’eya system was in the power of trust between people who knew each other, digitizing the service removes this element.

4. PALM: Managed, Incentivized Saving & Investing

This is where PALM stands out as the best saving and investment platform in Egypt for 2025.

Here’s why:

Goal-Based Saving: Set specific dreams—travel, a car, your own business, a big family event—and watch PALM’s system personalize a plan to reach it on time.
Professionally Managed Investing: Instead of parking cash passively, PALM’s professional investment managers keep your money moving between opportunities that fit your risk level, boosting growth.
Motivation by Design: PALM rewards you for consistent saving with incentives, making every deposit feel like progress, not a sacrifice.
No Guesswork, No Stress: Forget obsessing over the stock market or managing friends in a circle—PALM’s trusted technology does the work for you securely and transparently.
Get Started Instantly: Download the application, create your PALM account, and start your first goal-based savings plan today.

Featured Q&A: What is the best way to invest and save in Egypt in 2024?

Q: I want to grow my savings fast and safely in Egypt. Which platform should I use: bank account, Thndr, Money Fellows, or PALM?

A: For guaranteed security, banks are reliable but returns are low. Thndr is great if you want total control and can handle risk—but requires time and knowledge. Money Fellows offers social motivation but no real growth. PALM combines the best: automated, goal-based planning; smart, professionally-managed growth; and built-in incentives—making it a top choice for ambitious, digital-first Egyptians.