Investing is a numbers game, and two of the most important figures to check are the dividend yield and investment fund charge.
If you can combine a high annual dividend yield with a low annual charge, you can turbo-charge your returns.
A number of low-cost exchange traded funds (ETFs) can help in this way, by offering generous dividend yields and rock bottom charges, with a total expense ratio (TER) ranging from as little as 0.07 per cent to 0.75 per cent on most funds.
ETFs are passive index tracking funds that can be bought and sold easily like shares, at minimal cost.
They offer one of the simplest ways to get rich from stocks and shares, because you do not need any stock picking ability.
Simply choose a balanced spread of funds, covering different sectors, markets and regions, and resist the temptation to fiddle with the formula or raid your money to fund yet another lavish holiday.
Vijay Valecha, chief market analyst at Century Financial Brokers in Dubai, says ETFs are a great option for ordinary investors looking to build their wealth due to their low charges and simplicity.
“Dividend-paying ETFs are a prime attraction since they offer a low-cost way for tapping income from a diverse spread of hundreds or thousands of global stocks and bonds covering every sector you can imagine.”
Dividend-paying ETFs are not just for income, they also offer growth if you reinvest your dividends. You may still want to balance them with funds focusing on capital growth. Here are 10 attractive high yielders to consider: (HERE FOR THE NEW INVESTOR, can you have a quick line explaining the titles - ie what the name of the ETF is and then what the letters in brackets refer to)
Global X SuperDividend US ETF (DIV)
This ETF follows the fortunes of the Indxx SuperDividend US Low Volatility Index and invests in 50 of the highest dividend yielding stocks on the US market.
It currently yields a generous 4.85 per cent, with annual charges of 0.45 per cent, making it ideal for income seekers who want exposure to dividend stocks in the world's largest economy. Remember that yields are not guaranteed and can be cut or scrapped if a company runs into trouble.
iShares JP Morgan USD Emerging Markets Bond ETF (EMB)
Emerging markets have outperformed the developing world in the past two years and many investors are also waking up to emerging market bonds, which offer higher yields than you will get on, say, US government bonds, albeit with greater volatility and risk.
This ETF currently yields 5.55 per cent a year from investing in US dollar-denominated government bonds issued by countries such as Ecuador, Russia, Poland, Peru, Egypt and Colombia, with charges of 0.40 per cent a year.
iShares Euro Dividend UCITS ETF (IDVY)
For those wanting exposure to Europe, this ETF tracks the performance of an index of 30 eurozone stocks with generous dividend yields.
The eurozone may be in turmoil due to fears over Italy's political and economic future, but many companies are growing strongly, raising earnings and boosting dividend payouts. This ETF gives you exposure to their fortunes, with a current yield of 4.28 per cent, and TER of 0.40 per cent a year.
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Read more:
The cheapest stock markets to invest in around the world
Should UAE residents focus on investing for retirement or paying down their mortgage?
Dividends - the trillion dollar reason to stay invested in volatile times
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Nuveen Preferred & Income Securities Fund (JPS)
If you want a really high income, this fund yields 7.48 per cent a year. It aims to offer high income while limiting the risks with half its holdings invested in securities rated investment grade, while focusing on highly regulated sectors. Remember, higher income invariably means higher risk, and the fund also uses leverage, borrowing money in the hope of generating higher returns. It is relatively expensive for an ETF, with annual charges totalling 1.43 per cent.
Oliver Smith, portfolio manager at online trading platform IG, which has offices in Dubai, notes that dividend-focused ETFs tend to avoid technology stocks, which have performed exceptionally well over the past five years and now form an increasingly sizeable amount of large cap indices. “The tech sector now makes up more than 24 per cent of the S&P 500, but yields just 1.2 per cent, so you will get little exposure from a dividend fund.”
Safer, lower risk dividend stocks are likely to swing back into fashion, but are not without their dangers, he warns.
iShares Core FTSE 100 (ISF LN)
The FTSE 100 continues to offer the highest yield of the major developed markets and with companies generating three quarters of their earnings overseas, you get global exposure too.
The income is currently 3.87 per cent, with low charges of just 0.07 per cent. Investors should treat the UK with some caution due to the concentration risk, with HSBC, BP and Royal Dutch Shell accounting for 24 per cent of market cap.
iShares EM Dividend (SEDY)
Those happy to take on higher-risk might consider investing in emerging market stocks, many of which pay income as well. This ETF offers a yield of 4.2 per cent with charges of 0.65 per cent, by investing in 100 emerging market companies that have paid healthy dividends for at least three years.
BMO Barclays Global High Yield GBP Hedged (ZHYG LN)
Investors who want exposure to bonds should consider this ETF, which invests in a global spread of bonds, with heavy exposure to the US.
The high yield bond market is riskier than investment-grade bonds, but offers higher potential income. This ETF is also currency hedged and yields 4.84 per cent, with charges of 0.35 per cent.
Sam Instone, director of UAE-based financial advisers AES Investments, says as well as looking at the headline yield, you also need to look at the underlying investments within an ETF. "Otherwise you could take on more risk than you are comfortable with.”
For example, the UK's FTSE 100 contains some of the most consistent dividend payers but with heavy weighting towards oil majors such as BP and Royal Dutch Shell, and mining giants such as BHP Billiton and Rio Tinto. “A high-yielding equity ETF may have a large exposure to these sectors, which can be more volatile than the overall market.”
Mr Instone says the next two ETFs (listed below) give you a far broader exposure to reduce risk.
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Read more:
Twelve ETFs to suit every investment portfolio
Get rich and retire early by investing like Warren Buffett
Volatility in the pound leaves UAE expats cautious about remitting to the UK
________
iShares USD Corporate Bond ETF (LQDE LN)
This fund seeks to track the performance of an index composed of US dollar-denominated investment grade corporate bonds across a range of sectors including industrials, utilities and financial companies.
This makes it lower risk but it offers a generous yield of 3.40 per cent a deal with a TER of just 0.20 per cent.
iShares UK Equity Index fund (BCUKEXA)
You can generate capital growth and dividend income by closely tracking the performance of the FTSE All Share Index, which offers a wider spread of shares than the FTSE 100. It currently yields 2.81 per cent, with rock bottom charges of just 0.01 per cent.
Tom Anderson, senior investment manager at wealth advisers Killik, who has clients in Dubai, says one of the benefits of dividend investing is that successful companies aim to increase their payouts year after year, which means you can lock into a rising income.
SPDR Global Dividend Aristocrats UCITS ETF (GBDV)
This popular ETF tracks the performance of the highest-yielding companies within the S&P Global Broad Market Index, that have either held or increased their dividends for at least 10 years. It currently yields 3.5 per cent with annual charges totalling 0.45 per cent.
________
Read more:
Has the good fortune for ETFs run its course?
Is the stock market volatility over or are we due a full-blown crash?
Personal finance in the UAE: Residents track finances better but struggle with saving and debt
________
How to maximise your returns
If you combine a high dividend with a low annual charge, you can generate steady returns year after year, offsetting stock market volatility.
The key is to reinvest dividends back into your portfolio for growth, rather than banking the income. This way you buy more stock, which generates more dividends, which buys more stock, and so on.
Over lengthy periods this compounding effect can double your returns, according to new research from Fidelity.
If you had invested £100 (Dh491) a month in the UK’s FTSE All Share Index over the past 10 years and reinvested all of your dividends, your portfolio would be worth £19,382. However, if you had taken the dividends as income you would have just £15,837, around £3,500 less.
Dividend investing really proves its worth over longer periods. After 30 years your portfolio would be worth £140,585 with dividends invested, twice as much as the £70,923 you would have if you had withdrawn and spent the dividends.
Fidelity investment director Tom Stevenson said the earlier you start, the better. “For compounding to supercharge your returns it requires two simple ingredients: time and the regular reinvestment of returns.”
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Read more:
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Debt aware millennials are ditching credit cards
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ETFS explained
The five largest ETF providers are BlackRock’s iShares, Vanguard, State Street Global Advisers, Deutsche Bank AWM X-Trackers and Invesco PowerShares. ETF names can often seem technical and a little off-putting. They typically include the provider names such as iShares, but not always, plus a short description of the index they are benchmarking. This is sometimes shortened, for example iShares EM Dividend ETF tracks a balanced spread of emerging market stocks and shares, while SPDR Global Dividend Aristocrats UCITS ETF, part of the SPDR range of funds, follows a spread of global companies that pay high dividends. Some funds include the acronym UCITS, which is short for Undertakings in Collective Investments in Transferable Securities and means funds that are regulated to be sold across the EU and beyond. The letters in brackets are often called the ticker, and make it easier to identify the right fund online, and on your share dealing websites. Some ETFs may have more than one ticker, which vary according to the jurisdiction they are sold in, or the underlying currency.
If you go
Where to stay: Courtyard by Marriott Titusville Kennedy Space Centre has unparalleled views of the Indian River. Alligators can be spotted from hotel room balconies, as can several rocket launch sites. The hotel also boasts cool space-themed decor.
When to go: Florida is best experienced during the winter months, from November to May, before the humidity kicks in.
How to get there: Emirates currently flies from Dubai to Orlando five times a week.
Company%20Profile
%3Cp%3E%3Cstrong%3ECompany%20name%3A%20%3C%2Fstrong%3ENamara%0D%3Cbr%3E%3Cstrong%3EStarted%3A%20%3C%2Fstrong%3EJune%202022%0D%3Cbr%3E%3Cstrong%3EFounder%3A%20%3C%2Fstrong%3EMohammed%20Alnamara%0D%3Cbr%3E%3Cstrong%3EBased%3A%20%3C%2Fstrong%3EDubai%20%0D%3Cbr%3E%3Cstrong%3ESector%3A%20%3C%2Fstrong%3EMicrofinance%0D%3Cbr%3E%3Cstrong%3ECurrent%20number%20of%20staff%3A%20%3C%2Fstrong%3E16%0D%3Cbr%3E%3Cstrong%3EInvestment%20stage%3A%20%3C%2Fstrong%3ESeries%20A%0D%3Cbr%3E%3Cstrong%3EInvestors%3A%20%3C%2Fstrong%3EFamily%20offices%0D%3Cbr%3E%3C%2Fp%3E%0A
Citadel: Honey Bunny first episode
Directors: Raj & DK
Stars: Varun Dhawan, Samantha Ruth Prabhu, Kashvi Majmundar, Kay Kay Menon
Rating: 4/5
More from Neighbourhood Watch:
Company profile
Company name: Suraasa
Started: 2018
Founders: Rishabh Khanna, Ankit Khanna and Sahil Makker
Based: India, UAE and the UK
Industry: EdTech
Initial investment: More than $200,000 in seed funding
How to report a beggar
Abu Dhabi – Call 999 or 8002626 (Aman Service)
Dubai – Call 800243
Sharjah – Call 065632222
Ras Al Khaimah - Call 072053372
Ajman – Call 067401616
Umm Al Quwain – Call 999
Fujairah - Call 092051100 or 092224411
Electoral College Victory
Trump has so far secured 295 Electoral College votes, according to the Associated Press, exceeding the 270 needed to win. Only Nevada and Arizona remain to be called, and both swing states are leaning Republican. Trump swept all five remaining swing states, North Carolina, Georgia, Pennsylvania, Michigan and Wisconsin, sealing his path to victory and giving him a strong mandate.
Popular Vote Tally
The count is ongoing, but Trump currently leads with nearly 51 per cent of the popular vote to Harris’s 47.6 per cent. Trump has over 72.2 million votes, while Harris trails with approximately 67.4 million.
RACE CARD
6.30pm: Maiden (TB) Dh82,500 (Dirt) 1,200m
7.05pm: Maiden (TB) Dh82,500 (D) 1,900m
7.40pm: Handicap (TB) Dh102,500 (D) 2,000m
8.15pm: Conditions (TB) Dh120,000 (D) 1,600m
8.50pm: Handicap (TB) Dh95,000 (D) 1,600m
9.25pm: Handicap (TB) Dh87,500 (D) 1,400m
Shubh Mangal Saavdhan
Directed by: RS Prasanna
Starring: Ayushmann Khurrana, Bhumi Pednekar
AL%20BOOM
%3Cp%20style%3D%22text-align%3Ajustify%3B%22%3E%26nbsp%3B%26nbsp%3B%26nbsp%3BDirector%3AAssad%20Al%20Waslati%26nbsp%3B%3C%2Fp%3E%0A%3Cp%20style%3D%22text-align%3Ajustify%3B%22%3E%0DStarring%3A%20Omar%20Al%20Mulla%2C%20Badr%20Hakami%20and%20Rehab%20Al%20Attar%0D%3Cbr%3E%0D%3Cbr%3EStreaming%20on%3A%20ADtv%0D%3Cbr%3E%0D%3Cbr%3ERating%3A%203.5%2F5%0D%3Cbr%3E%0D%3Cbr%3E%3C%2Fp%3E%0A
EMIRATES'S%20REVISED%20A350%20DEPLOYMENT%20SCHEDULE
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UAE currency: the story behind the money in your pockets
PROFILE
Name: Enhance Fitness
Year started: 2018
Based: UAE
Employees: 200
Amount raised: $3m
Investors: Global Ventures and angel investors
Company%20profile
%3Cp%3E%3Cstrong%3ECompany%20name%3A%3C%2Fstrong%3E%20Fasset%0D%3Cbr%3E%3Cstrong%3EStarted%3A%20%3C%2Fstrong%3E2019%0D%3Cbr%3E%3Cstrong%3EFounders%3A%3C%2Fstrong%3E%20Mohammad%20Raafi%20Hossain%2C%20Daniel%20Ahmed%0D%3Cbr%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20Dubai%0D%3Cbr%3E%3Cstrong%3ESector%3A%20%3C%2Fstrong%3EFinTech%0D%3Cbr%3E%3Cstrong%3EInitial%20investment%3A%3C%2Fstrong%3E%20%242.45%20million%0D%3Cbr%3E%3Cstrong%3ECurrent%20number%20of%20staff%3A%3C%2Fstrong%3E%2086%0D%3Cbr%3E%3Cstrong%3EInvestment%20stage%3A%3C%2Fstrong%3E%20Pre-series%20B%0D%3Cbr%3E%3Cstrong%3EInvestors%3A%3C%2Fstrong%3E%20Investcorp%2C%20Liberty%20City%20Ventures%2C%20Fatima%20Gobi%20Ventures%2C%20Primal%20Capital%2C%20Wealthwell%20Ventures%2C%20FHS%20Capital%2C%20VN2%20Capital%2C%20local%20family%20offices%3C%2Fp%3E%0A
Friday's schedule at the Etihad Airways Abu Dhabi Grand Prix
GP3 qualifying, 10:15am
Formula 2, practice 11:30am
Formula 1, first practice, 1pm
GP3 qualifying session, 3.10pm
Formula 1 second practice, 5pm
Formula 2 qualifying, 7pm
The specs
Engine: Direct injection 4-cylinder 1.4-litre
Power: 150hp
Torque: 250Nm
Price: From Dh139,000
On sale: Now
The specs
Engine: 3-litre twin-turbo V6
Power: 400hp
Torque: 475Nm
Transmission: 9-speed automatic
Price: From Dh215,900
On sale: Now
SPECS
Engine: Two-litre four-cylinder turbo
Power: 235hp
Torque: 350Nm
Transmission: Nine-speed automatic
Price: From Dh167,500 ($45,000)
On sale: Now
How to help
Send “thenational” to the following numbers or call the hotline on: 0502955999
2289 – Dh10
2252 – Dh 50
6025 – Dh20
6027 – Dh 100
6026 – Dh 200
FIXTURES
All kick-off times 10.45pm UAE ( 4 GMT)
Tuesday
Mairobr v Liverpool
Spartak Moscow v Sevilla
Feyenoord v Shakhtar Donetsk
Manchester City v Napoli
Monaco v Besiktas
RB Leipzig v Porto
Apoel Nicosia v Borussia Dortmund
Real Madrid v Tottenham Hotspur
Wednesday
Benfica v Manchester United
CSKA Moscow v Basel
Bayern Munich v Celtic
Anderlecht v Paris Saint-Germain
Qarabag v Atletico Madrid
Chelsea v Roma
Barcelona v Olympiakos
Juventus v Sporting Lisbon
Business Insights
- Canada and Mexico are significant energy suppliers to the US, providing the majority of oil and natural gas imports
- The introduction of tariffs could hinder the US's clean energy initiatives by raising input costs for materials like nickel
- US domestic suppliers might benefit from higher prices, but overall oil consumption is expected to decrease due to elevated costs
UAE%20medallists%20at%20Asian%20Games%202023
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Company%20Profile
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Disclaimer
Director: Alfonso Cuaron
Stars: Cate Blanchett, Kevin Kline, Lesley Manville
Rating: 4/5
Company%20Profile
%3Cp%3ECompany%20name%3A%20EduPloyment%3Cbr%3EDate%20started%3A%20March%202020%3Cbr%3ECo-Founders%3A%20Mazen%20Omair%20and%20Rana%20Batterjee%3Cbr%3EBase%3A%20Dubai%2C%20UAE%3Cbr%3ESector%3A%20Recruitment%3Cbr%3ESize%3A%2030%20employees%3Cbr%3EInvestment%20stage%3A%20Pre-Seed%3Cbr%3EInvestors%3A%20Angel%20investors%20(investment%20amount%20undisclosed)%3C%2Fp%3E%0A
How to protect yourself when air quality drops
Install an air filter in your home.
Close your windows and turn on the AC.
Shower or bath after being outside.
Wear a face mask.
Stay indoors when conditions are particularly poor.
If driving, turn your engine off when stationary.
UPI facts
More than 2.2 million Indian tourists arrived in UAE in 2023
More than 3.5 million Indians reside in UAE
Indian tourists can make purchases in UAE using rupee accounts in India through QR-code-based UPI real-time payment systems
Indian residents in UAE can use their non-resident NRO and NRE accounts held in Indian banks linked to a UAE mobile number for UPI transactions
Singham Again
Director: Rohit Shetty
Stars: Ajay Devgn, Kareena Kapoor Khan, Ranveer Singh, Akshay Kumar, Tiger Shroff, Deepika Padukone
Rating: 3/5
COMPANY%20PROFILE
%3Cp%3E%3Cstrong%3ECompany%3A%3C%2Fstrong%3E%20Eco%20Way%3Cbr%3E%3Cstrong%3EStarted%3A%3C%2Fstrong%3E%20December%202023%3Cbr%3E%3Cstrong%3EFounder%3A%3C%2Fstrong%3E%20Ivan%20Kroshnyi%3Cbr%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20Dubai%2C%20UAE%3Cbr%3E%3Cstrong%3EIndustry%3A%3C%2Fstrong%3E%20Electric%20vehicles%3Cbr%3E%3Cstrong%3EInvestors%3A%3C%2Fstrong%3E%20Bootstrapped%20with%20undisclosed%20funding.%20Looking%20to%20raise%20funds%20from%20outside%3Cbr%3E%3C%2Fp%3E%0A
HOSTS
T20 WORLD CUP
2024: US and West Indies; 2026: India and Sri Lanka; 2028: Australia and New Zealand; 2030: England, Ireland and Scotland
ODI WORLD CUP
2027: South Africa, Zimbabwe and Namibia; 2031: India and
Bangladesh
CHAMPIONS TROPHY
2025: Pakistan; 2029: India
The specs
Engine: 1.5-litre 4-cylinder petrol
Power: 154bhp
Torque: 250Nm
Transmission: 7-speed automatic with 8-speed sports option
Price: From Dh79,600
On sale: Now
Cinco in numbers
Dh3.7 million
The estimated cost of Victoria Swarovski’s gem-encrusted Michael Cinco wedding gown
46
The number, in kilograms, that Swarovski’s wedding gown weighed.
1,000
The hours it took to create Cinco’s vermillion petal gown, as seen in his atelier [note, is the one he’s playing with in the corner of a room]
50
How many looks Cinco has created in a new collection to celebrate Ballet Philippines’ 50th birthday
3,000
The hours needed to create the butterfly gown worn by Aishwarya Rai to the 2018 Cannes Film Festival.
1.1 million
The number of followers that Michael Cinco’s Instagram account has garnered.
Kill%20
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The years Ramadan fell in May
From Zero
Artist: Linkin Park
Label: Warner Records
Number of tracks: 11
Rating: 4/5
SPEC%20SHEET%3A%20APPLE%20IPHONE%2014
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Company%20Profile
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COMPANY PROFILE
Founders: Alhaan Ahmed, Alyina Ahmed and Maximo Tettamanzi
Total funding: Self funded
The more serious side of specialty coffee
While the taste of beans and freshness of roast is paramount to the specialty coffee scene, so is sustainability and workers’ rights.
The bulk of genuine specialty coffee companies aim to improve on these elements in every stage of production via direct relationships with farmers. For instance, Mokha 1450 on Al Wasl Road strives to work predominantly with women-owned and -operated coffee organisations, including female farmers in the Sabree mountains of Yemen.
Because, as the boutique’s owner, Garfield Kerr, points out: “women represent over 90 per cent of the coffee value chain, but are woefully underrepresented in less than 10 per cent of ownership and management throughout the global coffee industry.”
One of the UAE’s largest suppliers of green (meaning not-yet-roasted) beans, Raw Coffee, is a founding member of the Partnership of Gender Equity, which aims to empower female coffee farmers and harvesters.
Also, globally, many companies have found the perfect way to recycle old coffee grounds: they create the perfect fertile soil in which to grow mushrooms.
COMPANY%20PROFILE
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COMPANY PROFILE
Name: HyperSpace
Started: 2020
Founders: Alexander Heller, Rama Allen and Desi Gonzalez
Based: Dubai, UAE
Sector: Entertainment
Number of staff: 210
Investment raised: $75 million from investors including Galaxy Interactive, Riyadh Season, Sega Ventures and Apis Venture Partners
Nayanthara: Beyond The Fairy Tale
Starring: Nayanthara, Vignesh Shivan, Radhika Sarathkumar, Nagarjuna Akkineni
Director: Amith Krishnan
Rating: 3.5/5
'Tell the Machine Goodnight' by Katie Williams
Penguin Randomhouse