I know that many banks in the Kingdom offer mutual funds in which expatriates can invest. They generally have mutual funds for local shares/stocks as well as for commodities (based on Shariah / Islamic principles). Your principal amount is generally protected with the commodity mutual funds, and you can partially/fully redeem your entire amount in 3-5 working days. You can google the different banks here and they would have descriptions, past performance, current yields, etc. I know that NCB (National Commercial Bank), SABB (Saudi British Bank, affiliate of HSBC) and SAMBA (Saudi American Bank, formerly CitiBank) all have such mutual funds. But bear in mind the short-to-medium term returns are pretty low (around 1-2%). The returns on term deposits are generally higher than this (but do not offer the same liquidity). However, please don't consider this as investment advice and do your due diligence before investing.