Liverpool manager Jurgen Klopp believes an early injury to defender Dejan Lovren highlighted why he chose to name a second-string side in their 2-1 FA Cup defeat to Wolves on Monday.
Klopp made nine changes to the side that lost narrowly for the first time in the Premier League this season to Manchester City on Thursday, with Lovren one of only two players to retain their place.
However, the Croatian pulled up with a hamstring injury after just six minutes and was replaced by 16-year-old Ki-Jana Hoever.
“Hamstring, is what I heard – without any signs before,” said Klopp on what forced Lovren off. “I asked everybody, no signs, nothing, just out of the blue, so that’s the decision you have to make.
“I am not sure what you all would have said if immediately from the beginning if our centre-half situation was Fabinho and Ki-Jana; then probably a few very smart people would tell me that I don’t respect the competition or whatever.”
Goals from Raul Jimenez and Ruben Neves either side of half-time sent the hosts into round four, where they will face Shrewsbury or Stoke City, despite Divock Origi’s fine strike briefly bringing Liverpool level after the break.
Hoever’s introduction meant Liverpool fielded three teenagers for the majority of the match, with Rafael Camacho and Curtis Jones also handed debuts.
However it was the visitors’ most experienced player, James Milner, who was at fault for the opening goal when Diogo Jota caught the former England international in possession in midfield and put Jimenez clean through for the Mexican to score his seventh goal of the season.
Without Mohamed Salah, Roberto Firmino and Sadio Mane, Liverpool were struggling to get any momentum going forward.
But the visitors were level out of nothing when Origi collected a loose ball on the edge of the area six minutes into the second period and smashed the ball high past John Ruddy.
Wolves, though, have made a habit of upsetting the Premier League’s established top six in their first season back in the top flight.
After beating Chelsea and Tottenham and holding City, Manchester United and Arsenal in the Premier League, Liverpool can now be added to the list of scalps for Nuno Espirito Santo’s side thanks to a wonder strike from Neves.
“He has talent, he has done it before and we encourage him to shoot from range,” said Wolves manager Nuno Espirito Santo. “It was a good strike.”
Only a brilliant save from Ruddy denied Xherdan Shaqiri a stunning equaliser and Liverpool a replay, as the Swiss's free-kick was touched onto the post by the Wolves goalkeeper.
Klopp had a final roll of the dice by throwing on Salah and Firmino for the final 20 minutes, but even their firepower failed to spark a fightback and Klopp’s team selection will now be seriously questioned as he is still to deliver a trophy in his four seasons in charge.
However, with Liverpool still in pole position to deliver a first league title in 29 years, the German coach defended his selection to minimise the chance of his stars suffering injuries.
“We played a similar line-up and had three tough games in the last couple of weeks, so it was clear we had to change,” Klopp added after a run of four Premier League games in 13 days over the festive period.
“The intensity of the last few games gave me the information it was not possible to start with these three up front. Only Dejan played a lot of games in the last three or four weeks, pretty much all the games ... He played today and was injured.”
Islamophobia definition
A widely accepted definition was made by the All Party Parliamentary Group on British Muslims in 2019: “Islamophobia is rooted in racism and is a type of racism that targets expressions of Muslimness or perceived Muslimness.” It further defines it as “inciting hatred or violence against Muslims”.
THE BIO:
Favourite holiday destination: Thailand. I go every year and I’m obsessed with the fitness camps there.
Favourite book: Born to Run by Christopher McDougall. It’s an amazing story about barefoot running.
Favourite film: A League of their Own. I used to love watching it in my granny’s house when I was seven.
Personal motto: Believe it and you can achieve it.
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
Multitasking pays off for money goals
Tackling money goals one at a time cost financial literacy expert Barbara O'Neill at least $1 million.
That's how much Ms O'Neill, a distinguished professor at Rutgers University in the US, figures she lost by starting saving for retirement only after she had created an emergency fund, bought a car with cash and purchased a home.
"I tell students that eventually, 30 years later, I hit the million-dollar mark, but I could've had $2 million," Ms O'Neill says.
Too often, financial experts say, people want to attack their money goals one at a time: "As soon as I pay off my credit card debt, then I'll start saving for a home," or, "As soon as I pay off my student loan debt, then I'll start saving for retirement"."
People do not realise how costly the words "as soon as" can be. Paying off debt is a worthy goal, but it should not come at the expense of other goals, particularly saving for retirement. The sooner money is contributed, the longer it can benefit from compounded returns. Compounded returns are when your investment gains earn their own gains, which can dramatically increase your balances over time.
"By putting off saving for the future, you are really inhibiting yourself from benefiting from that wonderful magic," says Kimberly Zimmerman Rand , an accredited financial counsellor and principal at Dragonfly Financial Solutions in Boston. "If you can start saving today ... you are going to have a lot more five years from now than if you decide to pay off debt for three years and start saving in year four."
T10 Cricket League
Sharjah Cricket Stadium
December 14- 17
6pm, Opening ceremony, followed by:
Bengal Tigers v Kerala Kings
Maratha Arabians v Pakhtoons
Tickets available online at q-tickets.com/t10
360Vuz PROFILE
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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.”
