Honestly stay far far away from any of that lock in crap. The ONLY reason that exists is to enrichen the brokers providing the "service". They are looking after their financial future not yours.
If you really don't want to put the time or effort in, buy a basket of 4-5 ETF's with low fees such as Vanguard tracking in equal portions, Global Stocks, American Stocks, Short Term Bonds (avoid the longer term bonds at the moment) and either commodities or gold. If you want some more exposure to your home area, allocate a smaller portion to a European ETF as well, (smaller in that you will already have EU exposure in the World Market ETF.)
All the appropriate tickers can be found on Vanguards website or a brief search through the net. You should be able to open a low cost discount brokerage that charges either no or very small commisions to trade ETF's. Interactive Brokers is a good one with worldwide exposure if you need somewhere to start.
Rebalance these to the initial percentage once a year, the rest of the time walk away and go drink beers on the beach. I will bet you a month's salary that you will have outperformed the so called financial adviser in Dubai at the end of 10 years. If you don't believe it ask him to provide you with a comparison of how your money would have performed in a low/no cost ETF basket strategy vs his managed fund that steals months of contributions in commissions.
Hell pay me one months salary and i'll walk you through step by step on how to set it up and what to buy. If you're smart enough to fly an aircraft you can do your own investing in a ETF basket...it's pretty simple. The discipline comes from not messing with it and not trying to time the market.
You're better off putting all your money in a Cypriot bank at the moment than giving it to the companies in Dubai to manage.
Go buy Trader a beer or two to help along his expanding middle section. He's got a financial advisor background as well and can steer you in the right direction with no other motive than your best interests and getting a free beer or two
at least he can give you some unbiased advice face to face.