Most women over the age of 35 do not need reminding that their biological clocks are ticking; tick-tocking their way to infertility, according to many newspaper reports - and the odd well-meaning parent. What is less clear, but is something that would be infinitely more useful than this information, is an indication of how fast.
Now, thanks to a new test that is in the early stages of development, a woman as young as 20 may be able to find out when she can expect her menopause, the time when she ceases to be fertile. All that is required is a blood test, from which the levels of anti-Müllerian hormone (AMH), are measured. Since AMH controls the development of follicles in the ovaries (from which the eggs are developed), the higher the level, the more time she has.
It is the test's predictive ability that makes something of a landmark, and which could make it a valuable tool for women trying to balance career and family.
"On average," says Dr Carol Smylie, the medical director at the Dubai London Clinic in Festival City, who treats many menopausal women, "women go through the menopause at 51, although fertility drops off considerably around 10 years before that. For women who are looking at careers, particularly those that involve a lot of training, but who want to somehow fit in children, being able to plan could be extremely useful."
Currently, the test has only been tried on a small scale by a group of Iranian scientists, who took blood samples from 266 women, aged 20 to 49. Using a combination of their AMH levels over two three-yearly intervals, as well as information on their socio-economic backgrounds and reproductive histories, the researchers estimated when the women's menopauses were likely to take place. Of the participating women, 63 reached menopause during the course of the study and showed it to be accurate to, on average, four months.
So would you have the test?
"Absolutely, I would have it," says Katrina Anderson, 35, a marketing director living in Abu Dhabi whose first child is on the way. "Anything that can help you understand your body better helps you to make a more informed decision. If we have a better understanding of the parameters we're working with, it will make people feel a little more comfortable. Women are working against a ticking clock. By the time your career takes off you're 30, and you're told that fertility cuts in half at 34."
She feels that 20 is not too young to know when your menopause will take place. "You know when you're supposed to hit puberty. You have these life milestones and this could simply be another one."
"I would seriously consider having it done," says Sandra Blake, 33, a business development manager from Abu Dhabi, who is single. "I would like to think that having children is a choice and to be able to plan for them the way I do all other aspects of my life. I realise it's not that simple, that falling pregnant may be an issue, but knowing when the menopause is going to come would allow me to make the most of my fertility."
Fatima (who didn't want her surname to be used), a 30-year-old corporate lawyer in Abu Dhabi with one son, is less convinced. "I think it would be of more interest to career women in the West. In the Middle East it is part of our culture to have children early. I wouldn't have the test for cultural and religious reasons because I don't want to predict something like that."
However, Maryam Husani, 22, an Emirati student from Abu Dhabi, can see the benefit, even at her age. "A lot of people I know would take the test as it is a time when you plan for study and career."
For all its benefits, some doctors are concerned that, should the test become widely available, women might come to rely too heavily on its findings. "As with all tests we do in medicine," says Smylie, "no test is 100 per cent accurate. For a certain percentage of women who try to plan their family around it and then find out it's wrong - they were relying on this test, and they've already gone through the menopause - that could be fairly catastrophic."
For that reason, she believes it may not be suitable for all women. "We wouldn't suggest that everyone has it done. It could just be available to anyone who thinks it might be of use."
In particular, she says, it may be of interest to women who suffer from early menopause (about one per cent of women experience it under 40 and five to 10 per cent under 45). Often the condition runs in families, but the test could be a useful way of giving an exact time-frame to at-risk women. Equally, for those who experience it with no prior history, finding out that they have considerably less time that they thought could help them to plan accordingly.
"The youngest I have ever come across it is 35," says Smylie. "I see very few women, though, who have had an early menopause before they have had the chance to have children."
Who was Alfred Nobel?
The Nobel Prize was created by wealthy Swedish chemist and entrepreneur Alfred Nobel.
- In his will he dictated that the bulk of his estate should be used to fund "prizes to those who, during the preceding year, have conferred the greatest benefit to humankind".
- Nobel is best known as the inventor of dynamite, but also wrote poetry and drama and could speak Russian, French, English and German by the age of 17. The five original prize categories reflect the interests closest to his heart.
- Nobel died in 1896 but it took until 1901, following a legal battle over his will, before the first prizes were awarded.
The National in Davos
We are bringing you the inside story from the World Economic Forum's Annual Meeting in Davos, a gathering of hundreds of world leaders, top executives and billionaires.
Barcelona 3
Messi (27’, 32’, 87’)
Leganes 1
El Zhar (68’)
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Uefa Champions League, last 16, first leg
Ajax v Real Madrid, midnight (Thursday), BeIN Sports
The years Ramadan fell in May
Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.
Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.
“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.
Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.
“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.
Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.
From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.
Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.
BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.
Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.
Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.
“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.
Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.
“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.
“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”
The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”
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Inter Milan 2 (Vecino 65', Barella 83')
Verona 1 (Verre 19' pen)
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Uefa Champions League, semi-final result:
Liverpool 4-0 Barcelona
Liverpool win 4-3 on aggregate
Champions Legaue final: June 1, Madrid
Why it pays to compare
A comparison of sending Dh20,000 from the UAE using two different routes at the same time - the first direct from a UAE bank to a bank in Germany, and the second from the same UAE bank via an online platform to Germany - found key differences in cost and speed. The transfers were both initiated on January 30.
Route 1: bank transfer
The UAE bank charged Dh152.25 for the Dh20,000 transfer. On top of that, their exchange rate margin added a difference of around Dh415, compared with the mid-market rate.
Total cost: Dh567.25 - around 2.9 per cent of the total amount
Total received: €4,670.30
Route 2: online platform
The UAE bank’s charge for sending Dh20,000 to a UK dirham-denominated account was Dh2.10. The exchange rate margin cost was Dh60, plus a Dh12 fee.
Total cost: Dh74.10, around 0.4 per cent of the transaction
Total received: €4,756
The UAE bank transfer was far quicker – around two to three working days, while the online platform took around four to five days, but was considerably cheaper. In the online platform transfer, the funds were also exposed to currency risk during the period it took for them to arrive.
Avatar: Fire and Ash
Director: James Cameron
Starring: Sam Worthington, Sigourney Weaver, Zoe Saldana
Rating: 4.5/5
The specs
Engine: Direct injection 4-cylinder 1.4-litre
Power: 150hp
Torque: 250Nm
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