• Manchester United's Spanish goalkeeper David de Gea had a horror outing during the FA Cup semi-final against Chelsea. AFP
    Manchester United's Spanish goalkeeper David de Gea had a horror outing during the FA Cup semi-final against Chelsea. AFP
  • David de Gea reacts as Chelsea's midfielder Mason Mount celebrates after scoring their second goal. AFP
    David de Gea reacts as Chelsea's midfielder Mason Mount celebrates after scoring their second goal. AFP
  • Manchester United goalkeeper David de Gea concedes the first goal against Chelsea. EPA
    Manchester United goalkeeper David de Gea concedes the first goal against Chelsea. EPA
  • Manchester United manager Ole Gunnar Solskjaer watches from the sidelines. Reuters
    Manchester United manager Ole Gunnar Solskjaer watches from the sidelines. Reuters
  • David de Gea had a bad night at Wembley. Reuters
    David de Gea had a bad night at Wembley. Reuters
  • Chelsea's Antonio Rudiger (L) and Manchester United's goalkeeper David de Gea after Manchester Unted's Harry Maguire (C) scored an own goal. EPA
    Chelsea's Antonio Rudiger (L) and Manchester United's goalkeeper David de Gea after Manchester Unted's Harry Maguire (C) scored an own goal. EPA
  • Manchester United's goalkeeper David de Gea makes a save. EPA
    Manchester United's goalkeeper David de Gea makes a save. EPA

David de Gea's consistency of errors makes Sergio Romero a safer option for Ole Gunnar Solskjaer


Richard Jolly
  • English
  • Arabic

It used to be Manchester United’s favourite slogan on social media. ‘Dave Saves’ tended to trend. ‘Dave Blunders’ does not rhyme but has become a regular theme during a two-year period that has looked less like a blip than a slump.

David de Gea handed Chelsea a place in the FA Cup final. He could have been at fault for their first and third goals. There was no doubt he was horribly culpable for Mason Mount's strike.

It has started to feel the signature De Gea mistake, when a shot squirms through his hands. The former United goalkeeper Mark Bosnich talked about technical problems causing “a consistency of errors” over the last eight to 12 months. Others would date the malaise back to the 2018 World Cup.

Only Newcastle’s Martin Dubravka has been debited with more errors leading to goals in the Premier League over 24 months and it is worth remembering both some of De Gea’s mistakes have come in the FA Cup and the Champions League and Steven Bergwijn’s goal for Spurs, which prompted the watching Roy Keane to say he would not let the Spaniard back on the team bus, was somehow not classified as an error.

Yet it ranked in a compendium of errors. There were Arsenal and Barcelona and Chelsea last season. This year, he tamely pushed Ismaila Sarr’s shot into his net and cleared the ball into Dominic Calvert-Lewin, sending it cannoning into his goal.

When Bergwijn scored, Ole Gunnar Solskjaer repeated United’s years-long mantra that De Gea was still the best goalkeeper in the world. It is a moot point if it was ever true, but now it displayed an ignorance of Alisson and Ederson, Manuel Neuer and Marc Andre ter Stegen, Jan Oblak and others. The more immediate question is whether De Gea is even the best goalkeeper on United’s books.

There can be times when the naturally upbeat Solskjaer is reluctant to accept unpleasant truths but he said on Sunday: "David knows he should have saved the second goal." There was an irony, perhaps, in his selection.

________________

Goalkeepers whose careers went downhill fast

  • Manchester United's David de Gea has made a string of high profile errors in the past two seasons having previously been regarded as one of, if not the best keeper in the world. His most recent clangers came in the FA Cup semi-final against Chelsea. Nothing seems to be sticking to his gloves these days. Reuters
    Manchester United's David de Gea has made a string of high profile errors in the past two seasons having previously been regarded as one of, if not the best keeper in the world. His most recent clangers came in the FA Cup semi-final against Chelsea. Nothing seems to be sticking to his gloves these days. Reuters
  • Joe Hart is the most obvious example in recent years of a keeper whose career has suddenly faltered. From England and Manchester City No 1 to being unable to get a game and subsequently released at Burnley. Quite why it has happened is somewhat of a mystery. He was England's best keeper since David Seaman, but like de Gea the errors became more frequent. Getty Images
    Joe Hart is the most obvious example in recent years of a keeper whose career has suddenly faltered. From England and Manchester City No 1 to being unable to get a game and subsequently released at Burnley. Quite why it has happened is somewhat of a mystery. He was England's best keeper since David Seaman, but like de Gea the errors became more frequent. Getty Images
  • Victor Valdes' trophy cabinet was brimming after more than 500 appearances for Barcelona. Then came two games in two years at Manchester United and a forgettable season at Middlesbrough and he quietly slipped away. AFP
    Victor Valdes' trophy cabinet was brimming after more than 500 appearances for Barcelona. Then came two games in two years at Manchester United and a forgettable season at Middlesbrough and he quietly slipped away. AFP
  • Loris Karius was never regarded as one of Liverpool's greatest keepers before the 2018 Champions League final defeat to Real Madrid. And his two huge errors in that final mean he won't get another chance. He was shipped out on loan to Besiktas in Turkey and his reputation remains largely in tatters. Quite a fall for Liverpool's former No 1. Getty Images
    Loris Karius was never regarded as one of Liverpool's greatest keepers before the 2018 Champions League final defeat to Real Madrid. And his two huge errors in that final mean he won't get another chance. He was shipped out on loan to Besiktas in Turkey and his reputation remains largely in tatters. Quite a fall for Liverpool's former No 1. Getty Images
  • Roberto Jimenez played for a host of clubs in Spain before a move to Premier League West Ham in 2019 where he was used as back-up to Lukasz Fabianski. When he finally had a chance it all went wrong with goals flying in from all angles - many of them his fault. He moved back to Spain - on loan to Alaves and subsequently conceded six against Celta Vigo. A career heading in the wrong direction. Getty Images
    Roberto Jimenez played for a host of clubs in Spain before a move to Premier League West Ham in 2019 where he was used as back-up to Lukasz Fabianski. When he finally had a chance it all went wrong with goals flying in from all angles - many of them his fault. He moved back to Spain - on loan to Alaves and subsequently conceded six against Celta Vigo. A career heading in the wrong direction. Getty Images
  • Mark Bosnich was signed by Manchester United as a successor to all-conquering keeper Peter Schmeichel in 1999 after impressing at Aston Villa. His professionalism was questioned by manager Alex Ferguson, while pundits lamented his poor kicking. He lasted just 23 matches and managed only a further 17 elsewhere as his career quickly fizzled out. Allsport / Getty Images
    Mark Bosnich was signed by Manchester United as a successor to all-conquering keeper Peter Schmeichel in 1999 after impressing at Aston Villa. His professionalism was questioned by manager Alex Ferguson, while pundits lamented his poor kicking. He lasted just 23 matches and managed only a further 17 elsewhere as his career quickly fizzled out. Allsport / Getty Images
  • Stoke City's Jack Butland was the great hope of English football as far as goalkeepers were concerned as he was linked with a host of top clubs and made his international debut. Fast forward a few years and he's struggling near the bottom of the second tier and has come in for plenty of criticism. Action Images via Reuters
    Stoke City's Jack Butland was the great hope of English football as far as goalkeepers were concerned as he was linked with a host of top clubs and made his international debut. Fast forward a few years and he's struggling near the bottom of the second tier and has come in for plenty of criticism. Action Images via Reuters
  • Richard Wright, left, appeared to have a huge career ahead of him. Having finished fifth in the Premier League with Ipswich Town in 2001 he was pushing to become England's No 1. A move to Arsenal to replace David Seaman was a disaster, a spell at Everton wasn't much better, and he only played more than 15 league matches in a season once in the final 13 seasons of his career. Sammy Dallal / The National
    Richard Wright, left, appeared to have a huge career ahead of him. Having finished fifth in the Premier League with Ipswich Town in 2001 he was pushing to become England's No 1. A move to Arsenal to replace David Seaman was a disaster, a spell at Everton wasn't much better, and he only played more than 15 league matches in a season once in the final 13 seasons of his career. Sammy Dallal / The National
  • Scott Carson was a blossoming young keeper whose career peaked with England caps. A high-profile error against Croatia in 2007 marked the start of the decline, and while he enjoyed a couple more seasons in the Premier League and in Turkey, he then spent the rest of time in the second tier in England bar a loan move to Man City. Promised much, but didn't quite deliver. AP
    Scott Carson was a blossoming young keeper whose career peaked with England caps. A high-profile error against Croatia in 2007 marked the start of the decline, and while he enjoyed a couple more seasons in the Premier League and in Turkey, he then spent the rest of time in the second tier in England bar a loan move to Man City. Promised much, but didn't quite deliver. AP

________________

Sergio Romero often plays in the Cups and has a reputation as perhaps the finest reserve goalkeeper in England. In short, he is a safe pair of hands when De Gea has not been.

Solskjaer is unlikely to jettison him but a further mistake at Leicester on Sunday could cost United Champions League football. There is a case to promote Romero and demote the world’s best-paid goalkeeper.

Which is another concern. De Gea isn’t quite Alexis Sanchez with gloves but United again feel a prisoner of their inability to negotiate deals. They should be in a position of strength, with Dean Henderson described by Solskjaer as a future United No. 1 and the option of recalling the fast-improving youngster from Sheffield United for next season. But, whatever happens, they will be stuck with De Gea.

Jose Mourinho, who may feel the Spaniard’s struggles contributed to the poor results that led to his sacking, is scarcely an impartial observer but he made a valid point last September when he suggested De Gea’s lucrative new contract was an illusory coup for United.

“I don't see the pressure. Who is going to pay David these numbers?” he said. “One or two years ago, he had the world after him, in this moment the majority of the big doors were closed.” If there were few vacancies at the elite clubs, the reality is his form would deter many a suitor. De Gea feels unsellable.

The immediate issue is whether Romero should play now and the question that must be resolved relatively quickly is whether Henderson is installed as the first choice next season. But the broader issue is whether De Gea is in decline or whether his technique and confidence can be repaired.

At 29, he should be near his peak but the notion that goalkeepers are at their best in their early thirties can feel increasingly unreliable. There are some, such as Joe Hart, Iker Casillas and Pepe Reina, who emerge early but are going downhill before they reach 30.

De Gea is another who started young. His difficulties are no short-term affair, but his long-term future offers United a further conundrum.

HEADLINE HERE
  • I would recommend writing out the text in the body 
  • And then copy into this box
  • It can be as long as you link
  • But I recommend you use the bullet point function (see red square)
  • Or try to keep the word count down
  • Be wary of other embeds lengthy fact boxes could crash into 
  • That's about it
COMPANY%20PROFILE
%3Cp%3E%3Cstrong%3EName%3A%3C%2Fstrong%3E%20Carzaty%2C%20now%20Kavak%3Cbr%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20Dubai%3Cbr%3E%3Cstrong%3ELaunch%20year%3A%20%3C%2Fstrong%3ECarzaty%20launched%20in%202018%2C%20Kavak%20in%20the%20GCC%20launched%20in%202022%3Cbr%3E%3Cstrong%3ENumber%20of%20employees%3A%3C%2Fstrong%3E%20140%3Cbr%3E%3Cstrong%3ESector%3A%3C%2Fstrong%3E%20Automotive%3Cbr%3E%3Cstrong%3EFunding%3A%20%3C%2Fstrong%3ECarzaty%20raised%20%246m%20in%20equity%20and%20%244m%20in%20debt%3B%20Kavak%20plans%20%24130m%20investment%20in%20the%20GCC%3C%2Fp%3E%0A
SQUADS

UAE
Mohammed Naveed (captain), Mohamed Usman (vice-captain), Ashfaq Ahmed, Chirag Suri, Shaiman Anwar, Mohammed Boota, Ghulam Shabber, Imran Haider, Tahir Mughal, Amir Hayat, Zahoor Khan, Qadeer Ahmed, Fahad Nawaz, Abdul Shakoor, Sultan Ahmed, CP Rizwan

Nepal
Paras Khadka (captain), Gyanendra Malla, Dipendra Singh Airee, Pradeep Airee, Binod Bhandari, Avinash Bohara, Sundeep Jora, Sompal Kami, Karan KC, Rohit Paudel, Sandeep Lamichhane, Lalit Rajbanshi, Basant Regmi, Pawan Sarraf, Bhim Sharki, Aarif Sheikh

ALRAWABI%20SCHOOL%20FOR%20GIRLS
%3Cp%3ECreator%3A%20Tima%20Shomali%3C%2Fp%3E%0A%3Cp%3EStarring%3A%C2%A0Tara%20Abboud%2C%C2%A0Kira%20Yaghnam%2C%20Tara%20Atalla%3C%2Fp%3E%0A%3Cp%3ERating%3A%204%2F5%3C%2Fp%3E%0A
How much do leading UAE’s UK curriculum schools charge for Year 6?
  1. Nord Anglia International School (Dubai) – Dh85,032
  2. Kings School Al Barsha (Dubai) – Dh71,905
  3. Brighton College Abu Dhabi - Dh68,560
  4. Jumeirah English Speaking School (Dubai) – Dh59,728
  5. Gems Wellington International School – Dubai Branch – Dh58,488
  6. The British School Al Khubairat (Abu Dhabi) - Dh54,170
  7. Dubai English Speaking School – Dh51,269

*Annual tuition fees covering the 2024/2025 academic year

How to apply for a drone permit
  • Individuals must register on UAE Drone app or website using their UAE Pass
  • Add all their personal details, including name, nationality, passport number, Emiratis ID, email and phone number
  • Upload the training certificate from a centre accredited by the GCAA
  • Submit their request
What are the regulations?
  • Fly it within visual line of sight
  • Never over populated areas
  • Ensure maximum flying height of 400 feet (122 metres) above ground level is not crossed
  • Users must avoid flying over restricted areas listed on the UAE Drone app
  • Only fly the drone during the day, and never at night
  • Should have a live feed of the drone flight
  • Drones must weigh 5 kg or less

Name: Brendalle Belaza

From: Crossing Rubber, Philippines

Arrived in the UAE: 2007

Favourite place in Abu Dhabi: NYUAD campus

Favourite photography style: Street photography

Favourite book: Harry Potter

'Top Gun: Maverick'

Rating: 4/5

 

Directed by: Joseph Kosinski

 

Starring: Tom Cruise, Val Kilmer, Jennifer Connelly, Jon Hamm, Miles Teller, Glen Powell, Ed Harris

 
The biog

Favourite hobby: I love to sing but I don’t get to sing as much nowadays sadly.

Favourite book: Anything by Sidney Sheldon.

Favourite movie: The Exorcist 2. It is a big thing in our family to sit around together and watch horror movies, I love watching them.

Favourite holiday destination: The favourite place I have been to is Florence, it is a beautiful city. My dream though has always been to visit Cyprus, I really want to go there.

How does ToTok work?

The calling app is available to download on Google Play and Apple App Store

To successfully install ToTok, users are asked to enter their phone number and then create a nickname.

The app then gives users the option add their existing phone contacts, allowing them to immediately contact people also using the application by video or voice call or via message.

Users can also invite other contacts to download ToTok to allow them to make contact through the app.

 

David Haye record

Total fights: 32
Wins: 28
Wins by KO: 26
Losses: 4

Avatar: Fire and Ash

Director: James Cameron

Starring: Sam Worthington, Sigourney Weaver, Zoe Saldana

Rating: 4.5/5

What can victims do?

Always use only regulated platforms

Stop all transactions and communication on suspicion

Save all evidence (screenshots, chat logs, transaction IDs)

Report to local authorities

Warn others to prevent further harm

Courtesy: Crystal Intelligence

Types of policy

Term life insurance: this is the cheapest and most-popular form of life cover. You pay a regular monthly premium for a pre-agreed period, typically anything between five and 25 years, or possibly longer. If you die within that time, the policy will pay a cash lump sum, which is typically tax-free even outside the UAE. If you die after the policy ends, you do not get anything in return. There is no cash-in value at any time. Once you stop paying premiums, cover stops.

Whole-of-life insurance: as its name suggests, this type of life cover is designed to run for the rest of your life. You pay regular monthly premiums and in return, get a guaranteed cash lump sum whenever you die. As a result, premiums are typically much higher than one term life insurance, although they do not usually increase with age. In some cases, you have to keep up premiums for as long as you live, although there may be a cut-off period, say, at age 80 but it can go as high as 95. There are penalties if you don’t last the course and you may get a lot less than you paid in.

Critical illness cover: this pays a cash lump sum if you suffer from a serious illness such as cancer, heart disease or stroke. Some policies cover as many as 50 different illnesses, although cancer triggers by far the most claims. The payout is designed to cover major financial responsibilities such as a mortgage or children’s education fees if you fall ill and are unable to work. It is cost effective to combine it with life insurance, with the policy paying out once if you either die or suffer a serious illness.

Income protection: this pays a replacement income if you fall ill and are unable to continue working. On the best policies, this will continue either until you recover, or reach retirement age. Unlike critical illness cover, policies will typically pay out for stress and musculoskeletal problems such as back trouble.

NBA FINALS SO FAR

(Toronto lead 3-2 in best-of-seven series)

Game 1 Raptors 118 Warriors 109

Game 2 Raptors 104 Warriors 109

Game 3 Warriors 109 Raptors 123

Game 4 Warriors 92 Raptors 105

Game 5 Raptors 105 Warriors 106

Game 6 Thursday, at Oakland

Game 7 Sunday, at Toronto (if needed)

UAE v Ireland

1st ODI, UAE win by 6 wickets

2nd ODI, January 12

3rd ODI, January 14

4th ODI, January 16

match details

Wales v Hungary

Cardiff City Stadium, kick-off 11.45pm

The specs

Engine: 2.0-litre 4cyl turbo

Power: 261hp at 5,500rpm

Torque: 405Nm at 1,750-3,500rpm

Transmission: 9-speed auto

Fuel consumption: 6.9L/100km

On sale: Now

Price: From Dh117,059

Lexus LX700h specs

Engine: 3.4-litre twin-turbo V6 plus supplementary electric motor

Power: 464hp at 5,200rpm

Torque: 790Nm from 2,000-3,600rpm

Transmission: 10-speed auto

Fuel consumption: 11.7L/100km

On sale: Now

Price: From Dh590,000

SPECS
%3Cp%3E%3Cstrong%3EEngine%3A%3C%2Fstrong%3E%206-cylinder%203-litre%2C%20with%20petrol%20and%20diesel%20variants%3Cbr%3E%3Cstrong%3ETransmission%3A%20%3C%2Fstrong%3E8-speed%20automatic%3Cbr%3E%3Cstrong%3EPower%3A%3C%2Fstrong%3E%20286hp%20(petrol)%2C%20249hp%20(diesel)%3Cbr%3E%3Cstrong%3ETorque%3A%20%3C%2Fstrong%3E450Nm%20(petrol)%2C%20550Nm%20(diesel)%3Cbr%3E%3Cstrong%3EPrice%3A%20%3C%2Fstrong%3EStarting%20at%20%2469%2C800%3Cbr%3E%3Cstrong%3EOn%20sale%3A%20%3C%2Fstrong%3ENow%3C%2Fp%3E%0A

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.”

Jordan cabinet changes

In

  • Raed Mozafar Abu Al Saoud, Minister of Water and Irrigation
  • Dr Bassam Samir Al Talhouni, Minister of Justice
  • Majd Mohamed Shoueikeh, State Minister of Development of Foundation Performance
  • Azmi Mahmud Mohafaza, Minister of Education and Minister of Higher Education and Scientific Research
  • Falah Abdalla Al Ammoush, Minister of Public Works and Housing
  • Basma Moussa Ishakat, Minister of Social Development
  • Dr Ghazi Monawar Al Zein, Minister of Health
  • Ibrahim Sobhi Alshahahede, Minister of Agriculture and Minister of Environment
  • Dr Mohamed Suleiman Aburamman, Minister of Culture and Minister of Youth

Out

  • Dr Adel Issa Al Tawissi, Minister of High Education and Scientific Research
  • Hala Noaman “Basiso Lattouf”, Minister of Social Development
  • Dr Mahmud Yassin Al Sheyab, Minister of Health
  • Yahya Moussa Kasbi, Minister of Public Works and Housing
  • Nayef Hamidi Al Fayez, Minister of Environment
  • Majd Mohamed Shoueika, Minister of Public Sector Development
  • Khalid Moussa Al Huneifat, Minister of Agriculture
  • Dr Awad Abu Jarad Al Mushakiba, Minister of Justice
  • Mounir Moussa Ouwais, Minister of Water and Agriculture
  • Dr Azmi Mahmud Mohafaza, Minister of Education
  • Mokarram Mustafa Al Kaysi, Minister of Youth
  • Basma Mohamed Al Nousour, Minister of Culture
Dubai Bling season three

Cast: Loujain Adada, Zeina Khoury, Farhana Bodi, Ebraheem Al Samadi, Mona Kattan, and couples Safa & Fahad Siddiqui and DJ Bliss & Danya Mohammed 

Rating: 1/5

How to invest in gold

Investors can tap into the gold price by purchasing physical jewellery, coins and even gold bars, but these need to be stored safely and possibly insured.

A cheaper and more straightforward way to benefit from gold price growth is to buy an exchange-traded fund (ETF).

Most advisers suggest sticking to “physical” ETFs. These hold actual gold bullion, bars and coins in a vault on investors’ behalf. Others do not hold gold but use derivatives to track the price instead, adding an extra layer of risk. The two biggest physical gold ETFs are SPDR Gold Trust and iShares Gold Trust.

Another way to invest in gold’s success is to buy gold mining stocks, but Mr Gravier says this brings added risks and can be more volatile. “They have a serious downside potential should the price consolidate.”

Mr Kyprianou says gold and gold miners are two different asset classes. “One is a commodity and the other is a company stock, which means they behave differently.”

Mining companies are a business, susceptible to other market forces, such as worker availability, health and safety, strikes, debt levels, and so on. “These have nothing to do with gold at all. It means that some companies will survive, others won’t.”

By contrast, when gold is mined, it just sits in a vault. “It doesn’t even rust, which means it retains its value,” Mr Kyprianou says.

You may already have exposure to gold miners in your portfolio, say, through an international ETF or actively managed mutual fund.

You could spread this risk with an actively managed fund that invests in a spread of gold miners, with the best known being BlackRock Gold & General. It is up an incredible 55 per cent over the past year, and 240 per cent over five years. As always, past performance is no guide to the future.

Company%20Profile
%3Cp%3E%3Cstrong%3ECompany%20name%3A%3C%2Fstrong%3E%20Cargoz%3Cbr%3E%3Cstrong%3EDate%20started%3A%3C%2Fstrong%3E%20January%202022%3Cbr%3E%3Cstrong%3EFounders%3A%3C%2Fstrong%3E%20Premlal%20Pullisserry%20and%20Lijo%20Antony%3Cbr%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20Dubai%3Cbr%3E%3Cstrong%3ENumber%20of%20staff%3A%3C%2Fstrong%3E%2030%3Cbr%3E%3Cstrong%3EInvestment%20stage%3A%3C%2Fstrong%3E%20Seed%3C%2Fp%3E%0A
Top 10 most polluted cities
  1. Bhiwadi, India
  2. Ghaziabad, India
  3. Hotan, China
  4. Delhi, India
  5. Jaunpur, India
  6. Faisalabad, Pakistan
  7. Noida, India
  8. Bahawalpur, Pakistan
  9. Peshawar, Pakistan
  10. Bagpat, India