You hold Saudi Aramco on Tadawul, Bitcoin on Binance, an apartment in Riyadh, gold bars, and savings across two banks. No app shows it all in SAR. That is the problem Cedrus solves.
Saudi Arabia is in the middle of the most ambitious economic transformation in the Gulf. Vision 2030 has opened sectors that were off-limits a decade ago, foreign direct investment is flooding in, and the Tadawul -- the largest stock exchange in the Middle East by market capitalization -- is drawing a new generation of retail investors who are diversifying far beyond local equities.
The result is a Saudi investor class that holds a complex mix of assets: Tadawul stocks, international ETFs, cryptocurrency, real estate in Riyadh and Jeddah, physical gold, and cash deposits in SAR. The problem is that no single app tracks all of it. Most portfolio trackers were built for American investors with a Schwab brokerage account. They do not understand SAR, they cannot handle Tadawul tickers natively, and they certainly cannot show a villa in the King Abdullah Financial District alongside a Binance wallet in one consolidated view.
This article breaks down what Saudi investors actually hold, why existing tools fall short, and what a proper investment tracker for Saudi Arabia looks like in 2026.
The numbers tell the story. Tadawul's market capitalization exceeded $2.8 trillion in 2025, making it the ninth-largest stock exchange in the world. The number of individual investor accounts on Tadawul has grown by over 300% since 2019, driven by easy-access brokerage platforms and a government push to deepen capital market participation as part of Vision 2030's Financial Sector Development Program.
But Tadawul is only one piece of the puzzle. Saudi investors are simultaneously navigating several investment waves:
This diversification is healthy. But it creates a practical problem: how do you see everything you own in one place?
A typical diversified Saudi investor's portfolio in 2026 looks something like this:
The core of most Saudi portfolios. Blue-chip holdings like Saudi Aramco (the world's most valuable company by market cap), Al Rajhi Bank (the largest Islamic bank globally), STC (Saudi Telecom), and SABIC (Saudi Basic Industries Corporation) form the foundation. Many investors also hold mid-cap positions in sectors benefiting from Vision 2030: entertainment, tourism, logistics, and fintech.
Saudi investors with global outlook hold US equities (Apple, Tesla, NVIDIA) and broad market ETFs (S&P 500, MSCI World) through local brokers like Al Rajhi Capital or international platforms. These holdings are denominated in USD, creating an immediate multi-currency tracking challenge.
Crypto ownership in Saudi Arabia has grown rapidly despite the absence of a formal regulatory framework. Bitcoin and Ethereum dominate, but Saudi investors are also active in altcoins and DeFi. Most hold assets on centralized exchanges like Binance, with a smaller cohort using self-custody wallets. The lack of clear regulation has not stopped adoption -- it has simply made tracking more fragmented because there is no local institutional infrastructure connecting crypto to traditional portfolios.
Riyadh's residential property market has seen price increases of 20-30% in key districts over the past two years. Jeddah and the Eastern Province are also active markets. Saudi investors hold apartments, villas, commercial units, and increasingly, off-plan investments in giga-projects. Real estate is often the single largest asset in a Saudi investor's portfolio, yet it is the hardest to track because there is no API that provides a live market value for a specific property.
Gold buying is deeply embedded in Saudi culture. Beyond jewelry, investors hold gold bars from the Saudi Gold and Minerals Company, coins, and gold-backed ETFs. With gold prices reaching historic highs, this asset class has become a material percentage of many portfolios.
Cash held in SAR across savings accounts, term deposits, and murabaha accounts at Saudi banks like Al Rajhi, SNB, Riyad Bank, and Al Bilad. Some investors also maintain USD-denominated accounts or hold foreign currency savings.
The diversification paradox. Saudi investors are more diversified than ever, but their financial visibility has gotten worse. Every new asset class adds another app, another login, another number to mentally add up. The more diversified you are, the more you need a single consolidated view.
Most portfolio tracking apps on the market were designed for a specific use case: an American investor with a linked brokerage account. They work well for that. They do not work for Saudi investors. Here is why:
The result is predictable: Saudi investors end up with five different apps showing five different numbers, and none of them show the complete picture. Some give up and use spreadsheets. Spreadsheets work until they do not -- they require manual price updates, they break when formulas get complex, and they cannot answer questions about your allocation or performance over time.
Cedrus was built for exactly this problem. It is a wealth and investment tracker designed for GCC investors who hold multiple asset types across multiple currencies. Here is how it handles the Saudi investor's portfolio:
The result: one app, one number, in SAR. Every asset class, every currency, every exchange -- consolidated into a single net worth figure with full allocation breakdowns and performance tracking over time.
Saudi and UAE investors face the same fundamental challenge -- fragmented wealth across multiple asset types and platforms -- but there are important differences between the two markets:
| Factor | Saudi Arabia | UAE |
|---|---|---|
| Stock exchange | Tadawul (largest in ME) | DFM + ADX |
| Currency | SAR (pegged to USD) | AED (pegged to USD) |
| Regulator | CMA + SAMA | SCA + CBUAE |
| Crypto regulation | No formal framework yet | VARA licensed (Dubai) |
| Real estate boom | Riyadh-driven (HQ relocation mandate) | Dubai-driven (expat demand) |
| Investor base | Predominantly Saudi nationals | Majority expats |
| Income tax | None for individuals | None for individuals |
Both SAR and AED are pegged to the US dollar, which simplifies currency conversion but does not eliminate the need for a multi-currency tracker. A Saudi investor holding US stocks still needs to see those positions in SAR. An Emirati investor with Tadawul stocks needs AED conversion. And investors active in both markets -- increasingly common as GCC economic integration deepens -- need a tracker that handles SAR, AED, and USD seamlessly.
The regulatory landscape also differs. The UAE, specifically Dubai through VARA, has moved ahead on crypto regulation, giving exchanges a licensed framework. Saudi Arabia's Capital Market Authority has been more cautious, though the government's broader fintech ambitions under Vision 2030 suggest regulation is coming. For investors, this means crypto holdings in Saudi Arabia exist in a gray area -- making independent tracking even more important since there is no institutional reporting or consolidated statements.
Both markets, one solution. Whether you invest in Saudi Arabia, the UAE, or both, the core problem is identical: you need a single app that consolidates stocks, crypto, real estate, gold, and savings into one net worth view in your preferred currency. Cedrus supports SAR, AED, and USD natively.
Setup takes under 10 minutes. Most Saudi investors tell us the same thing: it is the first time they have seen everything they own in a single view.
Join Saudi and GCC investors using Cedrus to track Tadawul stocks, crypto, real estate, gold, and savings -- all in one app.
Download on App StoreStarter plan is free forever. Pro from SAR 22/month.