• 1. Personal Trainer - in the UAE, personal trainers charge between Dh325 and Dh500 for a one-to-one hour-long session, which works out as Dh30,000 to Dh40,000 a month. Courtesy, Majid Al Futtaim
    1. Personal Trainer - in the UAE, personal trainers charge between Dh325 and Dh500 for a one-to-one hour-long session, which works out as Dh30,000 to Dh40,000 a month. Courtesy, Majid Al Futtaim
  • 2. European nannies can earn as much as Dh150 per hour, but the pay starts much lower at around Dh25. Getty Images
    2. European nannies can earn as much as Dh150 per hour, but the pay starts much lower at around Dh25. Getty Images
  • 3. Private Tutor - in the UAE, tutors charge by hour, starting at Dh350 and going up to Dh660, depending on the experience of the teacher, and the academic stage of the child. This works out as Dh32,000 to Dh60,000 a month. Getty Images
    3. Private Tutor - in the UAE, tutors charge by hour, starting at Dh350 and going up to Dh660, depending on the experience of the teacher, and the academic stage of the child. This works out as Dh32,000 to Dh60,000 a month. Getty Images
  • 4. Journalist - freelance writers earn Dh100 to Dh125 per hour, or around Dh3,600 per month. Getty
    4. Journalist - freelance writers earn Dh100 to Dh125 per hour, or around Dh3,600 per month. Getty
  • 5. Interior designer - self-employed designers earn Dh10,000 to Dh50,000 per month. Victor Besa /The National
    5. Interior designer - self-employed designers earn Dh10,000 to Dh50,000 per month. Victor Besa /The National
  • 6. Life coach - the hourly rate for a life coach ranges from Dh300 to Dh700 per hour, or Dh12,000 - Dh18,000 a month. Getty Images
    6. Life coach - the hourly rate for a life coach ranges from Dh300 to Dh700 per hour, or Dh12,000 - Dh18,000 a month. Getty Images
  • 7. Marketing and PR - freelance junior marketing or PR executives earn Dh6,000 to Dh14,000 per month as a junior, while experienced professionals can demand Dh60,000 to Dh100,00 a month.
    7. Marketing and PR - freelance junior marketing or PR executives earn Dh6,000 to Dh14,000 per month as a junior, while experienced professionals can demand Dh60,000 to Dh100,00 a month.
  • 8. Sports instructor - to host an hour long class as a freelancer, an instructor can expect Dh150 to Dh350, or Dh15,000 to Dh25,000 a month depending on the sport and the size of the class.
    8. Sports instructor - to host an hour long class as a freelancer, an instructor can expect Dh150 to Dh350, or Dh15,000 to Dh25,000 a month depending on the sport and the size of the class.
  • 9. Make-up artist - to create a look usually takes an hour, and make-up artists can charge Dh500 to Dh800 per session. Depending on the number of clients this can work out as a monthly salary of Dh20,000 to Dh50,000. Courtesy, Dubai Bride Show
    9. Make-up artist - to create a look usually takes an hour, and make-up artists can charge Dh500 to Dh800 per session. Depending on the number of clients this can work out as a monthly salary of Dh20,000 to Dh50,000. Courtesy, Dubai Bride Show
  • 10. Web designer - creating a simple static website takes about a week, and designers earn around Dh15,000 to Dh30,000 a month. Gabby Jones / Bloomberg
    10. Web designer - creating a simple static website takes about a week, and designers earn around Dh15,000 to Dh30,000 a month. Gabby Jones / Bloomberg

10 popular freelance jobs in the UAE for the self-employed


Georgia Tolley
  • English
  • Arabic

Latest: Zoom fatigue - how to beat stress and anxiety at work

There was once a time when all UAE workers were full time, with visa-linked contracts. If you lost your job, you had to leave the country.

Now that is all changing, and in a recent survey Dubai was ranked as the eighth best place in the world to freelance.

Even before the pandemic, the government sought to foster a freelance workforce of self-sponsored individuals, and the self-employed simply set up small companies, although this was often expensive.

Going freelance was the right decision for me, because I had a lot of experience, so I could offer high quality work and earn good fees, but I didn't have any overheads like an office in Emirates Towers

Now free zones make this process cheaper and easier by creating special licences that can be arranged through Dubai Media City, Dubai Internet City and Dubai Knowledge Park, Dubai Design District, twofour54 in Abu Dhabi, RAKEZ in Ras Al Khaimah and Fujairah Creative City.

For those without sponsors, residence visas can also be arranged.

Permits allow individuals to keep their permanent job and to start a sideline business, as long as their original sponsor provides an NOC (no objection certificate).

At one stage the licences allowed only media, education and tech activities, but in November, Abu Dhabi created the Freelance Licence, which covers everything from real estate and pest control to food safety and fine art.

Even soap-makers and stunt workers can now be self-employed.

The permits cost between Dh6,000 and Dh7,500 a year, and increase by as much as Dh4,960 for those needing a visa. New licence holders need to budget for health insurance and other fees associated with getting an Emirates ID.

So as the UAE job market evolves to include more self-employed workers, which jobs have the best rates?

The National went to find out.

1. Work as a self-employed personal trainer

Tara Nolan left her full-time job at a gym to become a freelance personal trainer. Courtesy, Tara Nolan
Tara Nolan left her full-time job at a gym to become a freelance personal trainer. Courtesy, Tara Nolan

Earn Dh30,000 to Dh40,000 a month (Dh325 to Dh500 per hour)

If you live in the UAE it can sometimes feel like every 10th person you meet is a freelance personal trainer. Certainly, they dominate the Instagram wellness space.

But with so many in the market, is it still a well-paid job?

Personal trainer Tara Nolan recently decided to go freelance from her full-time role at a gym, because she wanted to work one-to-one with her clients.

"The other motivation was being your own boss, and earning a bit more," said the 35-year-old from London.

"People will pay more, because they buy into people. Being a trainer, you're not just helping with their fitness, you quickly become a confidant.

"You do have to pay for your own visa, and keep your clients, and encourage them to buy packages. But I had clients who asked me to train them, before I was even offering PT sessions, so I wasn't concerned about that."

In the UAE, personal trainers charge between Dh325 and Dh500 for a one-to-one hour-long session.

This goes up to about Dh600 an hour if you work for an agency, but in that circumstance the company will take a cut of your pay, often as much as half.

2. Work as a freelance nanny

Fees charged by freelance nannies vary widely according to skills and nationality. Pawan Singh / The National
Fees charged by freelance nannies vary widely according to skills and nationality. Pawan Singh / The National

Earn Dh800 to Dh4,800 a month (Dh25 to Dh150 per hour)

Working parents frequently need to call on freelance nannies to pick up the slack while they are in the office.

While many families in the UAE hire live-in help and sponsor their nannies, there are still opportunities for part-timers, if they have a residence visa, said Ludmila Yamalova, a lawyer and founder and managing partner of HPL Yamalova & Plewka DMCC.

"If you are sponsored, for example by your husband, and you want to work as a nanny – you can. You just need an employment contract and the relevant NOC from your sponsor.

"It might say 'housewife not allowed to work' in your passport, but with an NOC, you can."

The pay varies widely according to skills and nationality. European nannies can earn as much as Dh150 an hour, but the pay range starts much lower, at about Dh25 an hour.

3. Work as a tutor 

Private tutors often teach via Zoom. Getty
Private tutors often teach via Zoom. Getty

Earn Dh32,000 to Dh60,000 a month (Dh350 to Dh660 per hour)

During the pandemic, Covid-19 regulations meant face-to-face tutoring at home was banned.

Instead Zoom tutoring became much more popular, and many freelance teachers based in the UAE now have clients around the world.

To work as a tutor you need to have a residence visa, permission from your sponsor, and be able to prove you are qualified, Ms Yamalova said.

Tutoring and training adult clients is also allowed under the free-zone licences.

Despite this, many teachers choose to freelance for an agency, which will either charge you a monthly fee to be covered by their work permit, or take a cut of your hourly rate.

Tutors in the UAE charge by the hour, starting at Dh350 and going up to Dh660, depending on their qualifications, and the academic stage of the child.

4. Work as a freelance journalist

Writers are often paid by the word rather than by the hour, with Dh1 or Dh1.5 the norm.
Writers are often paid by the word rather than by the hour, with Dh1 or Dh1.5 the norm.

Earn Dh15,000 to Dh20,000 per month (Dh100 to Dh125 per hour)

Freelance journalists tend to be paid by the shift, or by the word.

For an eight-hour day the expected salary is between Dh800 and Dh1,000 depending on experience, and the timings.

TV work can pay considerably more.

Writers are often paid by the word rather than by the hour, with Dh1 or Dh1.5 per word the norm.

Antisocial shifts, such as overnight or early morning are paid more, but journalists are still paid a lot less than copy-writers, who create content for businesses and websites.

Arranging the legalities of working as a freelance journalist are easy under the free-zone licence system.

Rebecca Proctor, 37, used to edit a magazine in the UAE, before deciding to go freelance.

"The process to set everything up in Dubai Media City was really straightforward," said Ms Proctor, who moved to the UAE 12 years ago.

"I just pay the renewal fee every year and I'm basically set. There is an office in Media City I can use, but I mostly work from home.

"I got a few retainer gigs which really anchored me financially, and then it's just about planning and balancing the various deadlines."

5. Work as a self-employed interior designer

For medium to large projects, freelance interior designers tend to ask for a commission of 10 per cent to 15 per cent of the project's budget. Victor Besa / The National
For medium to large projects, freelance interior designers tend to ask for a commission of 10 per cent to 15 per cent of the project's budget. Victor Besa / The National

Earn Dh10,000 to Dh50,000 per month

Interior design work is a booming industry in the UAE because people are spending more time at home and need a home office or somewhere for the children to study.

"It's crazy how much the industry has taken off in the last year," said Gabby Garvey, 37, a qualified interior designer from Ireland.

She started her company and the Facebook group Style ME Interiors Dubai four years ago.

"At first there wasn't much competition, but now there's a real network of freelance designers who support each other," she said.

"You don't have to have a qualification, but interior decorating and interior design are two different things.

"As a designer you are responsible for knocking down walls, building regulations and where the plumbing and electricity sockets are placed, so for that you need a qualification."

For medium to large projects, freelance interior designers tend to ask for a commission of 10 per cent to 15 per cent of the budget.

For smaller projects or area remodelling, designers charge between Dh3,000 and Dh8,000, with bathrooms costing more than bedrooms because it is more complicated.

Overheads for freelancers include licences, which vary widely in cost depending on what services designers are looking to offer their clients.

Trade licences from the Department of Economic Development, Ajman and Sharjah are popular, said Mrs Garvey, and prices start at Dh1,700 for conceptual design, to Dh16,000 if you are going to be shopping for your client.

If you want an office, then the set-up cost in Dubai will be about Dh30,000, not including rent.

Despite the initial outlay, Mrs Garvey would still recommend the job.

"The best thing is you work for yourself, you make your own hours," she said.

6. Work as a life coach in the UAE

Leila Almaeena works as a life coach in the UAE, where the normal fee is Dh300 to Dh700 per hour for a one-to-one session. Courtesy, Leila Almaeena
Leila Almaeena works as a life coach in the UAE, where the normal fee is Dh300 to Dh700 per hour for a one-to-one session. Courtesy, Leila Almaeena

Earn Dh12,000 to Dh18,000 a month (Dh300 to Dh700 per hour)

Life coaches help people when they get stuck in a rut, either in their personal life or in their career.

LinkedIn recently reported a 207 per cent growth in demand for life coaches in 2020 compared with 2019.

Although there is no formal training required to become a coach, most professionals have taken an accredited course, said Leila Almaeena, 43, who runs her own training and development company in Dubai.

"I always advise clients to find a certified coach, there's a difference between subjective advice and mentoring, and professional coaching," she said.

Learning how to become a life coach can be done online, for not much money, and corporate training is one of the trades permitted by the free-zone licences.

The job is well paid, if you can build up your client base, said Ms Almaeena, who is from Saudi Arabia.

"If you are just starting out you can expect anything from Dh300 to Dh700 per hour for a one-to-one. But I recommend people build up their name in the market by offering free workshops and sessions.

"One-on-one personal coaching is a great idea if you're working from home, and if you want it to fit around the rest of your life.

"But the bread and butter of coaching really comes from self-development workshops, when you bring in lots of fee-paying attendees, who can then turn into clients."

The sky is the limit for established life coaches, who can charge as much as Dh3,000 anr hour.

7. Work as a freelance marketing or PR professional in the UAE

Laeticia Tregoning worked as a freelance consultant PR before starting her own company. Antonie Robertson / The National
Laeticia Tregoning worked as a freelance consultant PR before starting her own company. Antonie Robertson / The National

Earn Dh6,000 to Dh14,000 per month as a junior, or Dh60,000 to Dh100,00 in a senior role

Marketing and PR are now often bunched together under the general title of communications, and there is a wide disparity between those who are just starting out in the industry, and the more experienced marketing strategist.

Post-pandemic, the freelance market in the UAE is healthy.

That is because companies now prefer to spend less money on staff, and hire on a project-by-project basis, said Laetitia Tregoning, the founder of Story Public Relations.

A British mother of two, she worked as a freelancer before setting up her own company three years ago.

"Going freelance was the right decision for me, because I had a lot of experience, so I could offer high quality work and earn good fees, but I didn't have any overheads like an office.

"Also my clients knew that if they hired me, they actually got me working on their project, not someone more junior," Mrs Tregoning said.

Freelance junior executives are normally hired on a month-by-month basis to work on specific projects, and their fees can start at Dh6,000 a month and go up to Dh14,000.

Experienced marketing and PR professionals can demand a day rate of Dh3,000 to Dh5,000, depending on the client's requirements.

Normally that day rate is turned into a monthly retainer.

8. Work as a self-employed sports instructor

Pilates and yoga teachers are often paid by the class. Courtesy, Body Tree Studio
Pilates and yoga teachers are often paid by the class. Courtesy, Body Tree Studio

Earn Dh15,000 to Dh25,000 a month (Dh150 to Dh350 per hour)

Similar to personal trainers, sports instructors can choose either full-time employment, or freelance work, where they are paid per class.

Full-time gym employees earn between Dh10,000 and Dh15,000 a month depending on their level of experience, whereas to host an hour long one-to-one session as a freelancer, an instructor can expect to earn Dh150 to Dh200.

Self-employed tennis and swimming instructors tend to be paid slightly more (Dh350 an hour), but often have to factor in the rental costs for a court or swimming pool in their fees.

Tennis instructors in particular can find it hard to find a court on which to teach, said Stephen Melia, 33, from the UK, who started Fade Fit Academy with local businessman and radio host Kris Fade this year.

"While there is an initial cost to securing a licence to coach, being able to be in charge of your own diary, and the ability to keep all of your earnings puts you in a much better position for the future," he said.

"There's a lot of compound courts here, so you can do well if you get a good neighbourhood of expats who play."

9. Work as a self-employed make-up artist or hair stylist

Make-up artists such as Elena Zhosan earn about Dh200 an hour in the UAE. Courtesy, Elena Zhosan
Make-up artists such as Elena Zhosan earn about Dh200 an hour in the UAE. Courtesy, Elena Zhosan

Earn Dh20,000 to Dh50,000 (Dh500 to Dh800 per hour)

Self-employed make-up artists and hair stylists have reaped the benefits of a beauty boom, with many availing themselves of the new free-zone licences to work in the country.

The fee stylists can earn depends on the client. The pay at a corporate photo-shoot can vary between Dh1,000 and Dh3,000 for a nine-hour day.

Private clients pay about Dh500 to Dh800 for an hour of make-up, depending on the look and the product choices, said Elena Zhosan, 32, a freelance make-up artist from Ukraine.

"Emirati women like Tom Ford, and ask for expensive products. French women prefer a nude look. Clients want everything to be done in an hour, so I often work with hair stylists," said Ms Zhosan, who has been freelancing for more than two years.

"It wasn't that easy to build up a client base. I have many friends who didn't succeed because they are not used to managing their own schedule and salary.

"A couple of clients doesn't cover your expenses. You need at least five clients a week, and you need a good Instagram site to advertise your work."

10. Work as a self-employed web designer 

Web designers are in demand in the UAE as more people look to start their own companies, or become self-employed. Gabby Jones / Bloomberg
Web designers are in demand in the UAE as more people look to start their own companies, or become self-employed. Gabby Jones / Bloomberg

Earn Dh15,000 to Dh30,000 a month

Every company is now expected to have a digital presence of some sort, leading to a huge growth market for web designers.

Many work for agencies, but you can also hire help on a project-by-project basis, said Saad Ashraf, from Pakistan, who works as a web designer on a professional services licence. He first went freelance in 2008 during the financial crisis.

"There's huge demand for web designers – you can quickly scale yourself up from freelancer to a company," he said.

"During Covid it was good for me because I started getting lots of inquiries from people who lost their jobs, and then wanted to start their own companies."

Designers charge according to the style of website desired by the client. Fees for an e-commerce site start at Dh8,000, up to Dh25,000, and take about four weeks of work.

Static webpages can need as little as a week and cost between Dh3,000 and Dh5,000. They will include an inquiry form, a Google map and a live chat function.

A dynamic webpage, with a blog function, for example, costs from Dh6,000 to Dh8,000.

Mr Ahraf, 33, said he makes decent money.

"One of the positives is working for yourself. If you do a good job, you make connections, and then you just need a couple of good clients to refer you. Then slowly you start getting more and more work.

"Lots of web designers are younger than me. If you're happy to spend a lot of time sitting in front of a computer, and keeping up with the tech, then it's a good job."

Freelance Q&A

Is freelancing legal in the UAE?

Yes. Freelancing in the UAE is legal in certain fields, as long as you have a residence visa and, in some cases, a freelance licence.

To get a residence visa, you need to be sponsored by either a family member, your spouse or a full-time employer.

Alternatively, you can get a freelance licence, which then enables you to get a residence visa at the same time.

If you are sponsored by someone else, you need an NOC (no objection certificate) from them, to say that they are happy for you to work, either full-time or freelance.

Freelance licences are issued by each emirate, for varying fees.

To find a list of the jobs you can do under the various emirates’ freelance licences, check out their websites.

How can I get freelance work in Dubai?

If you are based in Dubai and looking for freelance work, the best way is to contact employers or clients in your field, to see if they need extra assistance.

You could also join Facebook groups and post your CV on jobs websites.

The application process for getting a freelance licence is quite fast, so it might be worth looking to see if there is work available, before you apply.

Can I do freelance work while employed in the UAE?

Yes. You can do freelance work while employed in the UAE, but your full-time employer, who is also likely to be the sponsor of your residence visa, needs to give you permission through an NOC.

Also, in certain fields, you will need a freelance licence (see details above).

How much do freelancers get paid?

The amount freelancers get paid depends on the industry and their expertise.

While the hourly rate for a freelancer might work out as more than the hourly rate for a full-time employer, it is worth noting that a self-employed individual often has to pay for their own residence visa, freelance licence and health insurance, plus other fees including the cost of an Emirates ID and, potentially, a driving licence.

What is a good salary in Dubai?

Check out our comprehensive salary guide for various professions here.

  • UAE Salary Guide 2021
    UAE Salary Guide 2021
  • Banking
    Banking
  • Banking
    Banking
  • Banking
    Banking
  • Banking
    Banking
  • Banking
    Banking
  • Banking
    Banking
  • Banking
    Banking
  • Legal
    Legal
  • Legal
    Legal
  • Oil and Gas
    Oil and Gas
  • Oil and Gas
    Oil and Gas
  • Oil and Gas
    Oil and Gas
  • Oil and Gas
    Oil and Gas
  • Public sector
    Public sector
  • Public sector
    Public sector
  • Strategy
    Strategy
  • Strategy
    Strategy
  • Strategy
    Strategy
  • Strategy
    Strategy
  • Strategy
    Strategy
  • Strategy
    Strategy
  • Strategy
    Strategy
  • Strategy
    Strategy
  • Strategy
    Strategy
  • Strategy
    Strategy
  • Senior finance and tax
    Senior finance and tax
  • Senior finance and tax
    Senior finance and tax
  • Senior finance and tax
    Senior finance and tax
  • Senior finance and tax
    Senior finance and tax
  • Senior finance and tax
    Senior finance and tax
  • Senior finance and tax
    Senior finance and tax
  • Sales and marketing
    Sales and marketing
  • Sales and marketing
    Sales and marketing
  • Sales and marketing
    Sales and marketing
  • Sales and marketing
    Sales and marketing
  • Sales and marketing
    Sales and marketing
  • Sales and marketing
    Sales and marketing
  • Sales and marketing
    Sales and marketing
  • Sales and marketing
    Sales and marketing
  • Sales and marketing
    Sales and marketing
  • Manufacturing
    Manufacturing
  • Manufacturing
    Manufacturing
  • Manufacturing
    Manufacturing
  • Manufacturing
    Manufacturing
  • Manufacturing
    Manufacturing
  • Investment management
    Investment management
  • Investment management
    Investment management
  • Investment management
    Investment management
  • Investment management
    Investment management
  • Technology
    Technology
  • Technology
    Technology
  • Technology
    Technology
  • Technology
    Technology
  • Technology
    Technology
  • HR and office support
    HR and office support
  • HR and office support
    HR and office support
  • HR and office support
    HR and office support
  • Financial services
    Financial services
  • Financial services
    Financial services
  • Financial services
    Financial services
  • Financial services
    Financial services
  • Financial services
    Financial services
  • Accounting
    Accounting
  • Accounting
    Accounting
  • Accounting
    Accounting
  • Human Resources
    Human Resources
  • Accounting and finance salaries
    Accounting and finance salaries
  • Accounting and finance salaries
    Accounting and finance salaries
  • Property and construction
    Property and construction
  • Property and construction
    Property and construction
  • Property and construction
    Property and construction
  • Secretary and office support
    Secretary and office support
  • Secretary and office support
    Secretary and office support
  • Secretary and office support
    Secretary and office support
  • Secretary and office support
    Secretary and office support
  • Digital
    Digital
  • Digital
    Digital
  • Digital
    Digital
  • Digital
    Digital
  • Digital
    Digital
  • Digital
    Digital
  • Digital
    Digital
  • Digital
    Digital

Is Dh30,000 a good salary in Dubai?

Dh30,000 a month is a very good salary in Dubai.

The statistics website Numbeo estimated the average cost of living for a single person in Dubai as Dh8,072, and for a family of four, Dh16,478 per month.

This includes accommodation, food, clothing, healthcare and transportation, plus other sundry expenses.

It does not include recreational fees for activities like eating out or going to the cinema.

Dubai ranked 21st in the global Cost of Living index in 2019, making it much cheaper than cities like Hong Kong, London, New York and Singapore, which also have significant expat populations.

Which free zone is best in the UAE?

There is not really a single free zone that is best in the UAE, because each free zone attracts different clients.

Some are designed for creative businesses, and others for technology, education or even medical services.

There are also different free zones in different emirates, with those in the northern emirates tending to have cheaper fees than those in Dubai and Abu Dhabi.

It is important to research which free zone is best for you, as that often depends on your industry and where in the UAE you want to live.

THE SPECS

Aston Martin Rapide AMR

Engine: 6.0-litre V12

Transmission: Touchtronic III eight-speed automatic

Power: 595bhp

Torque: 630Nm

Price: Dh999,563

The biog

Title: General Practitioner with a speciality in cardiology

Previous jobs: Worked in well-known hospitals Jaslok and Breach Candy in Mumbai, India

Education: Medical degree from the Government Medical College in Nagpur

How it all began: opened his first clinic in Ajman in 1993

Family: a 90-year-old mother, wife and two daughters

Remembers a time when medicines from India were purchased per kilo

THE NEW BATCH'S FOCUS SECTORS

AiFlux – renewables, oil and gas

DevisionX – manufacturing

Event Gates – security and manufacturing

Farmdar – agriculture

Farmin – smart cities

Greener Crop – agriculture

Ipera.ai – space digitisation

Lune Technologies – fibre-optics

Monak – delivery

NutzenTech – environment

Nybl – machine learning

Occicor – shelf management

Olymon Solutions – smart automation

Pivony – user-generated data

PowerDev – energy big data

Sav – finance

Searover – renewables

Swftbox – delivery

Trade Capital Partners – FinTech

Valorafutbol – sports and entertainment

Workfam – employee engagement

Key developments

All times UTC 4

The White Lotus: Season three

Creator: Mike White

Starring: Walton Goggins, Jason Isaacs, Natasha Rothwell

Rating: 4.5/5

Final scores

18 under: Tyrrell Hatton (ENG)

- 14: Jason Scrivener (AUS)

-13: Rory McIlroy (NIR)

-12: Rafa Cabrera Bello (ESP)

-11: David Lipsky (USA), Marc Warren (SCO)

-10: Tommy Fleetwood (ENG), Chris Paisley (ENG), Matt Wallace (ENG), Fabrizio Zanotti (PAR)

GAC GS8 Specs

Engine: 2.0-litre 4cyl turbo

Power: 248hp at 5,200rpm

Torque: 400Nm at 1,750-4,000rpm

Transmission: 8-speed auto

Fuel consumption: 9.1L/100km

On sale: Now

Price: From Dh149,900

What is a robo-adviser?

Robo-advisers use an online sign-up process to gauge an investor’s risk tolerance by feeding information such as their age, income, saving goals and investment history into an algorithm, which then assigns them an investment portfolio, ranging from more conservative to higher risk ones.

These portfolios are made up of exchange traded funds (ETFs) with exposure to indices such as US and global equities, fixed-income products like bonds, though exposure to real estate, commodity ETFs or gold is also possible.

Investing in ETFs allows robo-advisers to offer fees far lower than traditional investments, such as actively managed mutual funds bought through a bank or broker. Investors can buy ETFs directly via a brokerage, but with robo-advisers they benefit from investment portfolios matched to their risk tolerance as well as being user friendly.

Many robo-advisers charge what are called wrap fees, meaning there are no additional fees such as subscription or withdrawal fees, success fees or fees for rebalancing.

Dust and sand storms compared

Sand storm

  • Particle size: Larger, heavier sand grains
  • Visibility: Often dramatic with thick "walls" of sand
  • Duration: Short-lived, typically localised
  • Travel distance: Limited 
  • Source: Open desert areas with strong winds

Dust storm

  • Particle size: Much finer, lightweight particles
  • Visibility: Hazy skies but less intense
  • Duration: Can linger for days
  • Travel distance: Long-range, up to thousands of kilometres
  • Source: Can be carried from distant regions
AUSTRALIA SQUAD

Aaron Finch, Matt Renshaw, Brendan Doggett, Michael Neser, Usman Khawaja, Shaun Marsh, Mitchell Marsh, Tim Paine (captain), Travis Head, Marnus Labuschagne, Nathan Lyon, Jon Holland, Ashton Agar, Mitchell Starc, Peter Siddle

MATCH INFO

Manchester City 1 Chelsea 0
De Bruyne (70')

Man of the Match: Kevin de Bruyne (Manchester City)

New UK refugee system

 

  • A new “core protection” for refugees moving from permanent to a more basic, temporary protection
  • Shortened leave to remain - refugees will receive 30 months instead of five years
  • A longer path to settlement with no indefinite settled status until a refugee has spent 20 years in Britain
  • To encourage refugees to integrate the government will encourage them to out of the core protection route wherever possible.
  • Under core protection there will be no automatic right to family reunion
  • Refugees will have a reduced right to public funds

Ordinary Virtues: Moral Order in a Divided World by Michael Ignatieff
Harvard University Press

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
The Greatest Royal Rumble card as it stands

The Greatest Royal Rumble card as it stands

50-man Royal Rumble - names entered so far include Braun Strowman, Daniel Bryan, Kurt Angle, Big Show, Kane, Chris Jericho, The New Day and Elias

Universal Championship Brock Lesnar (champion) v Roman Reigns in a steel cage match

WWE World Heavyweight ChampionshipAJ Styles (champion) v Shinsuke Nakamura

Intercontinental Championship Seth Rollins (champion) v The Miz v Finn Balor v Samoa Joe

United States Championship Jeff Hardy (champion) v Jinder Mahal

SmackDown Tag Team Championship The Bludgeon Brothers (champions) v The Usos

Raw Tag Team Championship (currently vacant) Cesaro and Sheamus v Matt Hardy and Bray Wyatt

Casket match The Undertaker v Chris Jericho

Singles match John Cena v Triple H

Cruiserweight Championship Cedric Alexander v tba

Europe's top EV producers
  1. Norway (63% of cars registered in 2021)
  2. Iceland (33%)
  3. Netherlands (20%)
  4. Sweden (19%)
  5. Austria (14%)
  6. Germany (14%)
  7. Denmark (13%)
  8. Switzerland (13%)
  9. United Kingdom (12%)
  10. Luxembourg (10%)

Source: VCOe 

Queen

Nicki Minaj

(Young Money/Cash Money)

ABU%20DHABI'S%20KEY%20TOURISM%20GOALS%3A%20BY%20THE%20NUMBERS
%3Cp%3EBy%202030%2C%20Abu%20Dhabi%20aims%20to%20achieve%3A%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3E%E2%80%A2%2039.3%20million%20visitors%2C%3C%2Fstrong%3E%20nearly%2064%25%20up%20from%202023%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3E%E2%80%A2%20Dh90%20billion%20contribution%20to%20GDP%2C%3C%2Fstrong%3E%20about%2084%25%20more%20than%20Dh49%20billion%20in%202023%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3E%E2%80%A2%20178%2C000%20new%20jobs%2C%3C%2Fstrong%3E%20bringing%20the%20total%20to%20about%20366%2C000%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3E%E2%80%A2%2052%2C000%20hotel%20rooms%2C%3C%2Fstrong%3E%20up%2053%25%20from%2034%2C000%20in%202023%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3E%E2%80%A2%207.2%20million%20international%20visitors%2C%3C%2Fstrong%3E%20almost%2090%25%20higher%20compared%20to%202023's%203.8%20million%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3E%E2%80%A2%203.9%20international%20overnight%20hotel%20stays%2C%3C%2Fstrong%3E%2022%25%20more%20from%203.2%20nights%20in%202023%3C%2Fp%3E%0A
The%20US%20Congress%20explained
%3Cp%3E-%20Congress%20is%20one%20of%20three%20branches%20of%20the%20US%20government%2C%20and%20the%20one%20that%20creates%20the%20nation's%20federal%20laws%3C%2Fp%3E%0A%3Cp%3E-%20Congress%20is%20divided%20into%20two%20chambers%3A%20The%20House%20of%20Representatives%20and%20the%20Senate%3C%2Fp%3E%0A%3Cp%3E-%C2%A0The%20House%20is%20made%20up%20of%20435%20members%20based%20on%20a%20state's%20population.%20House%20members%20are%20up%20for%20election%20every%20two%20years%3C%2Fp%3E%0A%3Cp%3E-%20A%20bill%20must%20be%20approved%20by%20both%20the%20House%20and%20Senate%20before%20it%20goes%20to%20the%20president's%20desk%20for%20signature%3C%2Fp%3E%0A%3Cp%3E-%20A%20political%20party%20needs%20218%20seats%20to%20be%20in%20control%20of%20the%20House%20of%20Representatives%3C%2Fp%3E%0A%3Cp%3E-%20The%20Senate%20is%20comprised%20of%20100%20members%2C%20with%20each%20state%20receiving%20two%20senators.%20Senate%20members%20serve%20six-year%20terms%3C%2Fp%3E%0A%3Cp%3E-%20A%20political%20party%20needs%2051%20seats%20to%20control%20the%20Senate.%20In%20the%20case%20of%20a%2050-50%20tie%2C%20the%20party%20of%20the%20president%20controls%20the%20Senate%3C%2Fp%3E%0A
MATCH INFO

Uefa Champions League, semi-final result:

Liverpool 4-0 Barcelona

Liverpool win 4-3 on aggregate

Champions Legaue final: June 1, Madrid

Our legal columnist

Name: Yousef Al Bahar

Advocate at Al Bahar & Associate Advocates and Legal Consultants, established in 1994

Education: Mr Al Bahar was born in 1979 and graduated in 2008 from the Judicial Institute. He took after his father, who was one of the first Emirati lawyers

THE TWIN BIO

Their favourite city: Dubai

Their favourite food: Khaleeji

Their favourite past-time : walking on the beach

Their favorite quote: ‘we rise by lifting others’ by Robert Ingersoll

Company profile

Name: Dukkantek 

Started: January 2021 

Founders: Sanad Yaghi, Ali Al Sayegh and Shadi Joulani 

Based: UAE 

Number of employees: 140 

Sector: B2B Vertical SaaS(software as a service) 

Investment: $5.2 million 

Funding stage: Seed round 

Investors: Global Founders Capital, Colle Capital Partners, Wamda Capital, Plug and Play, Comma Capital, Nowais Capital, Annex Investments and AMK Investment Office  

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.”

UAE currency: the story behind the money in your pockets
The Settlers

Director: Louis Theroux

Starring: Daniella Weiss, Ari Abramowitz

Rating: 5/5

Zakat definitions

Zakat: an Arabic word meaning ‘to cleanse’ or ‘purification’.

Nisab: the minimum amount that a Muslim must have before being obliged to pay zakat. Traditionally, the nisab threshold was 87.48 grams of gold, or 612.36 grams of silver. The monetary value of the nisab therefore varies by current prices and currencies.

Zakat Al Mal: the ‘cleansing’ of wealth, as one of the five pillars of Islam; a spiritual duty for all Muslims meeting the ‘nisab’ wealth criteria in a lunar year, to pay 2.5 per cent of their wealth in alms to the deserving and needy.

Zakat Al Fitr: a donation to charity given during Ramadan, before Eid Al Fitr, in the form of food. Every adult Muslim who possesses food in excess of the needs of themselves and their family must pay two qadahs (an old measure just over 2 kilograms) of flour, wheat, barley or rice from each person in a household, as a minimum.

Jurassic%20Park
%3Cp%3E%3Cstrong%3EDirector%3A%20%3C%2Fstrong%3ESteven%20Spielberg%3Cbr%3E%3Cstrong%3EStars%3A%3C%2Fstrong%3E%20Sam%20Neill%2C%20Jeff%20Goldblum%20and%20Richard%20Attenborough%3Cbr%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%205%2F5%3C%2Fp%3E%0A
John%20Wick%3A%20Chapter%204
%3Cp%3E%3Cstrong%3EDirector%3A%3C%2Fstrong%3E%20Chad%20Stahelski%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStars%3A%3C%2Fstrong%3E%20Keanu%20Reeves%2C%20Laurence%20Fishburne%2C%20George%20Georgiou%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%20%3C%2Fstrong%3E4%2F5%3C%2Fp%3E%0A
Wicked: For Good

Director: Jon M Chu

Starring: Ariana Grande, Cynthia Erivo, Jonathan Bailey, Jeff Goldblum, Michelle Yeoh, Ethan Slater

Rating: 4/5

Despacito's dominance in numbers

Released: 2017

Peak chart position: No.1 in more than 47 countries, including the United States, the United Kingdom, Australia and Lebanon

Views: 5.3 billion on YouTube

Sales: With 10 million downloads in the US, Despacito became the first Latin single to receive Diamond sales certification

Streams: 1.3 billion combined audio and video by the end of 2017, making it the biggest digital hit of the year.

Awards: 17, including Record of the Year at last year’s prestigious Latin Grammy Awards, as well as five Billboard Music Awards

Who has lived at The Bishops Avenue?
  • George Sainsbury of the supermarket dynasty, sugar magnate William Park Lyle and actress Dame Gracie Fields were residents in the 1930s when the street was only known as ‘Millionaires’ Row’.
  • Then came the international super rich, including the last king of Greece, Constantine II, the Sultan of Brunei and Indian steel magnate Lakshmi Mittal who was at one point ranked the third richest person in the world.
  • Turkish tycoon Halis Torprak sold his mansion for £50m in 2008 after spending just two days there. The House of Saud sold 10 properties on the road in 2013 for almost £80m.
  • Other residents have included Iraqi businessman Nemir Kirdar, singer Ariana Grande, holiday camp impresario Sir Billy Butlin, businessman Asil Nadir, Paul McCartney’s former wife Heather Mills. 
Hunting park to luxury living
  • Land was originally the Bishop of London's hunting park, hence the name
  • The road was laid out in the mid 19th Century, meandering through woodland and farmland
  • Its earliest houses at the turn of the 20th Century were substantial detached properties with extensive grounds

 

THE BIO: Martin Van Almsick

Hometown: Cologne, Germany

Family: Wife Hanan Ahmed and their three children, Marrah (23), Tibijan (19), Amon (13)

Favourite dessert: Umm Ali with dark camel milk chocolate flakes

Favourite hobby: Football

Breakfast routine: a tall glass of camel milk

Where can I submit a sample?

Volunteers can now submit DNA samples at a number of centres across Abu Dhabi. The programme is open to all ages.

Collection centres in Abu Dhabi include:

  • Abu Dhabi National Exhibition Centre (ADNEC)
  • Biogenix Labs in Masdar City
  • Al Towayya in Al Ain
  • NMC Royal Hospital in Khalifa City
  • Bareen International Hospital
  • NMC Specialty Hospital, Al Ain
  • NMC Royal Medical Centre - Abu Dhabi
  • NMC Royal Women’s Hospital.
Turning%20waste%20into%20fuel
%3Cp%3EAverage%20amount%20of%20biofuel%20produced%20at%20DIC%20factory%20every%20month%3A%20%3Cstrong%3EApproximately%20106%2C000%20litres%3C%2Fstrong%3E%3C%2Fp%3E%0A%3Cp%3EAmount%20of%20biofuel%20produced%20from%201%20litre%20of%20used%20cooking%20oil%3A%20%3Cstrong%3E920ml%20(92%25)%3C%2Fstrong%3E%3C%2Fp%3E%0A%3Cp%3ETime%20required%20for%20one%20full%20cycle%20of%20production%20from%20used%20cooking%20oil%20to%20biofuel%3A%20%3Cstrong%3EOne%20day%3C%2Fstrong%3E%3C%2Fp%3E%0A%3Cp%3EEnergy%20requirements%20for%20one%20cycle%20of%20production%20from%201%2C000%20litres%20of%20used%20cooking%20oil%3A%3Cbr%3E%3Cstrong%3E%E2%96%AA%20Electricity%20-%201.1904%20units%3Cbr%3E%E2%96%AA%20Water-%2031%20litres%3Cbr%3E%E2%96%AA%20Diesel%20%E2%80%93%2026.275%20litres%3C%2Fstrong%3E%3C%2Fp%3E%0A