A man walks past a stock market indicator board in Tokyo, Japan. Experts say entire stock markets can be swayed by emotional extremes. EPA
A man walks past a stock market indicator board in Tokyo, Japan. Experts say entire stock markets can be swayed by emotional extremes. EPA
A man walks past a stock market indicator board in Tokyo, Japan. Experts say entire stock markets can be swayed by emotional extremes. EPA
A man walks past a stock market indicator board in Tokyo, Japan. Experts say entire stock markets can be swayed by emotional extremes. EPA

Why investors need to keep their emotions under control in this volatile market


  • English
  • Arabic

What is the single biggest threat facing investors right now? Forget volatile stock markets, crashing economies, social unrest, trade wars or even Covid-19, and take a look in the mirror instead.

The greatest obstacle standing in the way of building long-term investment wealth for your retirement is you. The human brain is poorly adapted to investing, as it is apt to make emotional decisions, rather than rational ones.

Fear is a major threat to your wealth. It can take over during a stock market crash, persuading you to sell shares at the bottom of the market. Investors who panicked and sold during the March collapse lost out as share prices recovered almost as quickly.

Primal responses can overwhelm rational thinking, making markets prone to bubbles and runaway crashes.

Greed can be just as dangerous. It can trick you into gambling on high-risk investments such as Bitcoin in the hope of getting wealthy overnight, or lure you into get-rich-quick schemes designed to swallow your money.

Fabian Chui, global head of front office and risk at Abu Dhabi-based financial services firm ADSS, says entire stock markets can be swayed by emotional extremes. "Primal responses can overwhelm rational thinking, making markets prone to bubbles and runaway crashes," he says.

Exuberance, overconfidence and greed combine to fuel asset bubbles, while fear creates self-fulfilling crashes, Mr Chui says. “In both cases, investors lose all objectivity. The ability to determine the fair value of an asset gives way to emotions,” he adds.

Justin Waring, investment strategist at UBS Global Wealth Management, says despite thousands of years of evolution, humans still haven't outgrown our "fight or flight" response, and overreact to short-term market threats and opportunities. “As a result, investors buy high and sell low, sometimes with disastrous consequences,” he says.

Professor Stephen Thomas, associate dean, MBA Programmes at Cass Business School in Dubai and London, says a study by investor behaviour specialists Dalbar found that between 1986 and 2015, the US S&P 500 produced an average annual return of 10.35 per cent, but the average investor generated just 3.66 per cent a year.

He blames the discrepancy on investors making emotionally driven decisions in volatile markets. “At the height of the financial crisis in October 2008, the S&P500 dropped 16.8 per cent but the average investor lost more than 24 per cent as they panicked and bailed out, missing the recovery towards the end of the month,” he says.

Private investors respond the same way every time markets crash, Mr Thomas says. “They are prone to selling too late, in other words after share prices have crashed, then buying too late, after the recovery. Ultimately it culminates in yet another very human emotion. Regret.”

Demos Kyprianou, a board member of SimplyFI, a non-profit community of personal finance and investing enthusiasts in Dubai, says pride and overconfidence are also deadly: “Too many investors think they are cleverer than other people, and have the skills to beat the market. In the vast majority of cases, they are kidding themselves.”

Overconfident investors typically trade too often, buying and selling shares in a bid to beat the market, when history shows that almost nobody can reliably do that for long periods. In 2019, more than 70 per cent of large-cap fund managers underperformed the S&P 500. The longer they invest, the worse they perform, according to the Spiva scorecard, which measures actively managed funds against their relevant index benchmarks worldwide. Measured over five years, 80 per cent underperformed, the scorecard found. So, if the experts cannot reliably beat the market, then what chance do you have?

You also have to overcome your own apathy and fear of the unknown, which deters many from investing until it is too late to accumulate the wealth they need to retire in comfort, Mr Kyprianou says. “Too many people think it is too difficult, when in fact it is surprisingly simple, provided you keep your emotions out of it.”

So how do you master your emotions? Mr Kyprianou recommends investing in passive exchange traded funds (ETFs) that simply track the performance of global stock markets.

That way you are not trying to beat the market, which means your ego is not on the line.

He says you can build a diversified range of shares through a one-stop global equity ETF such as the Vanguard FTSE All-World UCITS ETF (VWRL). “You will never beat the market but you will never underperform, either, while keeping fees and other trading charges to a minimum, so you keep more of the growth for yourself,” he says.

Mr Kyprianou suggests balancing it with a bond ETF, to reduce the overall volatility of your portfolio when share prices crash. A popular option is the iShares Global Govt Bond UCITS ETF (IGLA), which invests in government bonds from G7 countries Canada, France, Germany, Italy, Japan, UK and the US.

Mr Chui says o avoid becoming prey to your own emotions you need to set clear investment objectives from the outset, then remember them when markets go haywire. "Ask whether you are buying a dip because of fear of missing out, or because you really see value from oversold conditions,” Mr Chui says.

Holding a diversified spread of investments can also help, by limiting your losses in a crash. If you invest purely in shares, your portfolio will be more volatile than if you balance this out with other asset classes such as bonds, gold, property and cash.

Taking a long-term view can also help soothe your emotions. If you are investing over 30 or 40 years, as you should be, then a short-term crash is nothing to panic about.

In fact, it is an opportunity to buy shares at a reduced price with the aim of holding for the long term, as markets always recover if you can stay calm and give them enough time.

Mr Waring says another way to keep your emotions in check is to "quarantine" your decisions, by thinking them over for a week or two as "this can help you filter out decisions driven by emotions".

Automating your portfolio can also help, he says. “Commit to an asset allocation strategy, say, investing 60 per cent in stocks and 40 per cent in bonds, with an automatic rebalancing system to keep your portfolio in line with this strategy,” Mr Waring says.

So if shares rise, you take your profits and buy bonds, or vice versa. This has the further advantage of selling high and buying low.

Mr Waring says beware of another dangerous emotion – loss aversion – because "people feel the pain of losses about twice as powerfully, as they feel the pleasure from making gains".

As we saw in March, most losses happen over short periods, and you need to hold your nerve to give them time to recover. To help you stand firm, Mr Waring recommends setting aside a pool of safer investments to meet everyday spending, so you do not have to sell shares during a short-term crash. "As we have seen this year, being forced to sell risk assets in a dip means you can miss out on powerful gains when markets recover,” he adds.

You will never be able to completely curb your emotions, but the more you can control them, the wealthier you should ultimately become. If you can do that, your overriding emotion should be happiness.

Tax authority targets shisha levy evasion

The Federal Tax Authority will track shisha imports with electronic markers to protect customers and ensure levies have been paid.

Khalid Ali Al Bustani, director of the tax authority, on Sunday said the move is to "prevent tax evasion and support the authority’s tax collection efforts".

The scheme’s first phase, which came into effect on 1st January, 2019, covers all types of imported and domestically produced and distributed cigarettes. As of May 1, importing any type of cigarettes without the digital marks will be prohibited.

He said the latest phase will see imported and locally produced shisha tobacco tracked by the final quarter of this year.

"The FTA also maintains ongoing communication with concerned companies, to help them adapt their systems to meet our requirements and coordinate between all parties involved," he said.

As with cigarettes, shisha was hit with a 100 per cent tax in October 2017, though manufacturers and cafes absorbed some of the costs to prevent prices doubling.

If you go

The flights
There are various ways of getting to the southern Serengeti in Tanzania from the UAE. The exact route and airstrip depends on your overall trip itinerary and which camp you’re staying at. 
Flydubai flies direct from Dubai to Kilimanjaro International Airport from Dh1,350 return, including taxes; this can be followed by a short flight from Kilimanjaro to the Serengeti with Coastal Aviation from about US$700 (Dh2,500) return, including taxes. Kenya Airways, Emirates and Etihad offer flights via Nairobi or Dar es Salaam.   

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UAE currency: the story behind the money in your pockets
Madrid Open schedule

Men's semi-finals

Novak Djokovic (1) v Dominic Thiem (5) from 6pm

Stefanos Tsitsipas (8) v Rafael Nadal (2) from 11pm

Women's final

Simona Halep (3) v Kiki Bertens (7) from 8.30pm

Who has been sanctioned?

Daniella Weiss and Nachala
Described as 'the grandmother of the settler movement', she has encouraged the expansion of settlements for decades. The 79 year old leads radical settler movement Nachala, whose aim is for Israel to annex Gaza and the occupied West Bank, where it helps settlers built outposts.

Harel Libi & Libi Construction and Infrastructure
Libi has been involved in threatening and perpetuating acts of aggression and violence against Palestinians. His firm has provided logistical and financial support for the establishment of illegal outposts.

Zohar Sabah
Runs a settler outpost named Zohar’s Farm and has previously faced charges of violence against Palestinians. He was indicted by Israel’s State Attorney’s Office in September for allegedly participating in a violent attack against Palestinians and activists in the West Bank village of Muarrajat.

Coco’s Farm and Neria’s Farm
These are illegal outposts in the West Bank, which are at the vanguard of the settler movement. According to the UK, they are associated with people who have been involved in enabling, inciting, promoting or providing support for activities that amount to “serious abuse”.

The biog

Marital status: Separated with two young daughters

Education: Master's degree from American Univeristy of Cairo

Favourite book: That Is How They Defeat Despair by Salwa Aladian

Favourite Motto: Their happiness is your happiness

Goal: For Nefsy to become his legacy long after he is gon

ULTRA PROCESSED FOODS

- Carbonated drinks, sweet or savoury packaged snacks, confectionery, mass-produced packaged breads and buns 

- margarines and spreads; cookies, biscuits, pastries, cakes, and cake mixes, breakfast cereals, cereal and energy bars;

- energy drinks, milk drinks, fruit yoghurts and fruit drinks, cocoa drinks, meat and chicken extracts and instant sauces

- infant formulas and follow-on milks, health and slimming products such as powdered or fortified meal and dish substitutes,

- many ready-to-heat products including pre-prepared pies and pasta and pizza dishes, poultry and fish nuggets and sticks, sausages, burgers, hot dogs, and other reconstituted meat products, powdered and packaged instant soups, noodles and desserts.

Defence review at a glance

• Increase defence spending to 2.5% of GDP by 2027 but given “turbulent times it may be necessary to go faster”

• Prioritise a shift towards working with AI and autonomous systems

• Invest in the resilience of military space systems.

• Number of active reserves should be increased by 20%

• More F-35 fighter jets required in the next decade

• New “hybrid Navy” with AUKUS submarines and autonomous vessels

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WHAT%20IS%20THE%20LICENSING%20PROCESS%20FOR%20VARA%3F
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How to avoid crypto fraud
  • Use unique usernames and passwords while enabling multi-factor authentication.
  • Use an offline private key, a physical device that requires manual activation, whenever you access your wallet.
  • Avoid suspicious social media ads promoting fraudulent schemes.
  • Only invest in crypto projects that you fully understand.
  • Critically assess whether a project’s promises or returns seem too good to be true.
  • Only use reputable platforms that have a track record of strong regulatory compliance.
  • Store funds in hardware wallets as opposed to online exchanges.
Volvo ES90 Specs

Engine: Electric single motor (96kW), twin motor (106kW) and twin motor performance (106kW)

Power: 333hp, 449hp, 680hp

Torque: 480Nm, 670Nm, 870Nm

On sale: Later in 2025 or early 2026, depending on region

Price: Exact regional pricing TBA

The specs
 
Engine: 3.0-litre six-cylinder turbo
Power: 398hp from 5,250rpm
Torque: 580Nm at 1,900-4,800rpm
Transmission: Eight-speed auto
Fuel economy, combined: 6.5L/100km
On sale: December
Price: From Dh330,000 (estimate)
Know before you go
  • Jebel Akhdar is a two-hour drive from Muscat airport or a six-hour drive from Dubai. It’s impossible to visit by car unless you have a 4x4. Phone ahead to the hotel to arrange a transfer.
  • If you’re driving, make sure your insurance covers Oman.
  • By air: Budget airlines Air Arabia, Flydubai and SalamAir offer direct routes to Muscat from the UAE.
  • Tourists from the Emirates (UAE nationals not included) must apply for an Omani visa online before arrival at evisa.rop.gov.om. The process typically takes several days.
  • Flash floods are probable due to the terrain and a lack of drainage. Always check the weather before venturing into any canyons or other remote areas and identify a plan of escape that includes high ground, shelter and parking where your car won’t be overtaken by sudden downpours.

 

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Key facilities
  • Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
  • Premier League-standard football pitch
  • 400m Olympic running track
  • NBA-spec basketball court with auditorium
  • 600-seat auditorium
  • Spaces for historical and cultural exploration
  • An elevated football field that doubles as a helipad
  • Specialist robotics and science laboratories
  • AR and VR-enabled learning centres
  • Disruption Lab and Research Centre for developing entrepreneurial skills
Some of Darwish's last words

"They see their tomorrows slipping out of their reach. And though it seems to them that everything outside this reality is heaven, yet they do not want to go to that heaven. They stay, because they are afflicted with hope." - Mahmoud Darwish, to attendees of the Palestine Festival of Literature, 2008

His life in brief: Born in a village near Galilee, he lived in exile for most of his life and started writing poetry after high school. He was arrested several times by Israel for what were deemed to be inciteful poems. Most of his work focused on the love and yearning for his homeland, and he was regarded the Palestinian poet of resistance. Over the course of his life, he published more than 30 poetry collections and books of prose, with his work translated into more than 20 languages. Many of his poems were set to music by Arab composers, most significantly Marcel Khalife. Darwish died on August 9, 2008 after undergoing heart surgery in the United States. He was later buried in Ramallah where a shrine was erected in his honour.

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UAE currency: the story behind the money in your pockets
So what is Spicy Chickenjoy?

Just as McDonald’s has the Big Mac, Jollibee has Spicy Chickenjoy – a piece of fried chicken that’s crispy and spicy on the outside and comes with a side of spaghetti, all covered in tomato sauce and topped with sausage slices and ground beef. It sounds like a recipe that a child would come up with, but perhaps that’s the point – a flavourbomb combination of cheap comfort foods. Chickenjoy is Jollibee’s best-selling product in every country in which it has a presence.
 

SPEC%20SHEET%3A%20APPLE%20M3%20MACBOOK%20AIR%20(13%22)
%3Cp%3E%3Cstrong%3EProcessor%3A%3C%2Fstrong%3E%20Apple%20M3%2C%208-core%20CPU%2C%20up%20to%2010-core%20CPU%2C%2016-core%20Neural%20Engine%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EDisplay%3A%3C%2Fstrong%3E%2013.6-inch%20Liquid%20Retina%2C%202560%20x%201664%2C%20224ppi%2C%20500%20nits%2C%20True%20Tone%2C%20wide%20colour%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EMemory%3A%3C%2Fstrong%3E%208%2F16%2F24GB%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStorage%3A%3C%2Fstrong%3E%20256%2F512GB%20%2F%201%2F2TB%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EI%2FO%3A%3C%2Fstrong%3E%20Thunderbolt%203%2FUSB-4%20(2)%2C%203.5mm%20audio%2C%20Touch%20ID%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EConnectivity%3A%3C%2Fstrong%3E%20Wi-Fi%206E%2C%20Bluetooth%205.3%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBattery%3A%3C%2Fstrong%3E%2052.6Wh%20lithium-polymer%2C%20up%20to%2018%20hours%2C%20MagSafe%20charging%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ECamera%3A%3C%2Fstrong%3E%201080p%20FaceTime%20HD%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EVideo%3A%3C%2Fstrong%3E%20Support%20for%20Apple%20ProRes%2C%20HDR%20with%20Dolby%20Vision%2C%20HDR10%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EAudio%3A%3C%2Fstrong%3E%204-speaker%20system%2C%20wide%20stereo%2C%20support%20for%20Dolby%20Atmos%2C%20Spatial%20Audio%20and%20dynamic%20head%20tracking%20(with%20AirPods)%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EColours%3A%3C%2Fstrong%3E%20Midnight%2C%20silver%2C%20space%20grey%2C%20starlight%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EIn%20the%20box%3A%3C%2Fstrong%3E%20MacBook%20Air%2C%2030W%2F35W%20dual-port%2F70w%20power%20adapter%2C%20USB-C-to-MagSafe%20cable%2C%202%20Apple%20stickers%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EPrice%3A%3C%2Fstrong%3E%20From%20Dh4%2C599%3C%2Fp%3E%0A
The specs: 2019 Haval H6

Price, base: Dh69,900

Engine: 2.0-litre turbocharged four-cylinder

Transmission: Seven-speed automatic

Power: 197hp @ 5,500rpm

Torque: 315Nm @ 2,000rpm

Fuel economy, combined: 7.0L / 100km

Fight Night

FIGHT NIGHT

Four title fights:

Amir Khan v Billy Dib - WBC International title
Hughie Fury v Samuel Peter - Heavyweight co-main event  
Dave Penalosa v Lerato Dlamini - WBC Silver title
Prince Patel v Michell Banquiz - IBO World title

Six undercard bouts:

Michael Hennessy Jr v Abdul Julaidan Fatah
Amandeep Singh v Shakhobidin Zoirov
Zuhayr Al Qahtani v Farhad Hazratzada
Lolito Sonsona v Isack Junior
Rodrigo Caraballo v Sajid Abid
Ali Kiydin v Hemi Ahio

Thank You for Banking with Us

Director: Laila Abbas

Starring: Yasmine Al Massri, Clara Khoury, Kamel El Basha, Ashraf Barhoum

Rating: 4/5

UAE%20medallists%20at%20Asian%20Games%202023
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Game Changer

Director: Shankar 

Stars: Ram Charan, Kiara Advani, Anjali, S J Suryah, Jayaram

Rating: 2/5

Racecard

6pm: The Pointe - Conditions (TB) Dh82,500 (Turf) 1,400m

6.35pm: Palm West Beach - Maiden (TB) Dh82,500 (T) 1,800m

7.10pm: The View at the Palm - Handicap (TB) Dh85,000 (Dirt) 1,400m

7.45pm: Nakeel Graduate Stakes - Conditions (TB) Dh100,000 (T) 1,600m

8.20pm: Club Vista Mare - Handicap (TB) Dh95,000 (D) 1,900m

8.55pm: The Palm Fountain - Handicap (TB) Dh95,000 (D) 1,200m

9.30pm: The Palm Tower - Handicap (TB) Dh87,500 (T) 1,600m

MATCH INFO

Barcelona 2
Suarez (10'), Messi (52')

Real Madrid 2
Ronaldo (14'), Bale (72')

The five pillars of Islam

1. Fasting 

2. Prayer 

3. Hajj 

4. Shahada 

5. Zakat 

Other must-tries

Tomato and walnut salad

A lesson in simple, seasonal eating. Wedges of tomato, chunks of cucumber, thinly sliced red onion, coriander or parsley leaves, and perhaps some fresh dill are drizzled with a crushed walnut and garlic dressing. Do consider yourself warned: if you eat this salad in Georgia during the summer months, the tomatoes will be so ripe and flavourful that every tomato you eat from that day forth will taste lacklustre in comparison.

Badrijani nigvzit

A delicious vegetarian snack or starter. It consists of thinly sliced, fried then cooled aubergine smothered with a thick and creamy walnut sauce and folded or rolled. Take note, even though it seems like you should be able to pick these morsels up with your hands, they’re not as durable as they look. A knife and fork is the way to go.

Pkhali

This healthy little dish (a nice antidote to the khachapuri) is usually made with steamed then chopped cabbage, spinach, beetroot or green beans, combined with walnuts, garlic and herbs to make a vegetable pâté or paste. The mix is then often formed into rounds, chilled in the fridge and topped with pomegranate seeds before being served.

Getting there

The flights

Emirates and Etihad fly to Johannesburg or Cape Town daily. Flights cost from about Dh3,325, with a flying time of 8hours and 15 minutes. From there, fly South African Airlines or Air Namibia to Namibia’s Windhoek Hosea Kutako International Airport, for about Dh850. Flying time is 2 hours.

The stay

Wilderness Little Kulala offers stays from £460 (Dh2,135) per person, per night. It is one of seven Wilderness Safari lodges in Namibia; www.wilderness-safaris.com.

Skeleton Coast Safaris’ four-day adventure involves joining a very small group in a private plane, flying to some of the remotest areas in the world, with each night spent at a different camp. It costs from US$8,335.30 (Dh30,611); www.skeletoncoastsafaris.com