'Water was up to my shoulders': Fujairah residents recall ordeal of floods


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As rescue operations continue after the heavy downpour in the Northern Emirates, residents spoke on Thursday of having to deal with flooded homes, damaged cars and trapped animals.

Emergency teams from civil defence and ambulance services from across the UAE were sent to Fujairah and Khor Fakkan to move families from their flooded homes.

Dozens of military lorries, civil defence vehicles and rescue teams responded quickly to emergency reports and evacuated the area while providing necessities to those in need.

Many roads leading to the Northern Emirates are under water, while others are partly damaged.

Officers were on hand at the main roads and junctions in the emirate to assist motorists facing difficulties and to divert traffic.

  • Towers in Fujairah city surrounded by floodwaters. Photo: Mahesh Jangam / @MaheshMj80202 / Twitter
    Towers in Fujairah city surrounded by floodwaters. Photo: Mahesh Jangam / @MaheshMj80202 / Twitter
  • Vehicles partially submerged on the streets of the city. Photo: Mahesh Jangam / @MaheshMj80202 / Twitter
    Vehicles partially submerged on the streets of the city. Photo: Mahesh Jangam / @MaheshMj80202 / Twitter
  • A flooded area in Fujairah city. Photo: Fujairah Media Office
    A flooded area in Fujairah city. Photo: Fujairah Media Office
  • A dam in the emirate of Fujairah overflows. Photo: Fujairah Media Office
    A dam in the emirate of Fujairah overflows. Photo: Fujairah Media Office
  • Emergency teams relocate people in Fujairah, after their homes were flooded. Photo: UAE Ministry of Defence
    Emergency teams relocate people in Fujairah, after their homes were flooded. Photo: UAE Ministry of Defence
  • Sheikh Hamad bin Mohammed Al Sharqi, Crown Prince of Fujairah, inspects the areas affected by heavy rains. Photo: Fujairah Media Office
    Sheikh Hamad bin Mohammed Al Sharqi, Crown Prince of Fujairah, inspects the areas affected by heavy rains. Photo: Fujairah Media Office
  • During the inspection tour, Sheikh Mohammed stressed that efforts will continue and all resources will be allocated to deal with the situation. Photo: Fujairah Media Office
    During the inspection tour, Sheikh Mohammed stressed that efforts will continue and all resources will be allocated to deal with the situation. Photo: Fujairah Media Office
  • The Joint Operations Command of the Ministry of Defence announced the continuation of Operation Loyal Hands in Fujairah, after heavy rain and flash flooding. Photo: UAE Ministry of Defence
    The Joint Operations Command of the Ministry of Defence announced the continuation of Operation Loyal Hands in Fujairah, after heavy rain and flash flooding. Photo: UAE Ministry of Defence
  • Civilians were evacuated and given medical aid where required. Photo: MOD UAE
    Civilians were evacuated and given medical aid where required. Photo: MOD UAE
  • Search and rescue teams and equipment were sent to Fujairah. Photo: MOD UAE
    Search and rescue teams and equipment were sent to Fujairah. Photo: MOD UAE
  • Civil authorities were working to diminish the effects of the torrential rain. Photo: MOD UAE
    Civil authorities were working to diminish the effects of the torrential rain. Photo: MOD UAE
  • Flooding in Fujairah city, as more rain is expected. Antonie Robertson / The National
    Flooding in Fujairah city, as more rain is expected. Antonie Robertson / The National
  • Flooding in Fujairah city: Damage in the Alfaseel neighbourhood. Antonie Robertson / The National
    Flooding in Fujairah city: Damage in the Alfaseel neighbourhood. Antonie Robertson / The National
  • Flooding in Fujairah city: Damage in the Alfaseel neighbourhood. Antonie Robertson / The National
    Flooding in Fujairah city: Damage in the Alfaseel neighbourhood. Antonie Robertson / The National
  • Damage and flooding near the carpet souk area. Antonie Robertson / The National
    Damage and flooding near the carpet souk area. Antonie Robertson / The National
  • Flooding in Fujairah city. Antonie Robertson / The National
    Flooding in Fujairah city. Antonie Robertson / The National
  • An SUV negotiates a flooded Fujairah city road after heavy rain hit parts of the Northern Emirates. Antonie Robertson / The National
    An SUV negotiates a flooded Fujairah city road after heavy rain hit parts of the Northern Emirates. Antonie Robertson / The National
  • Roads and residential areas in Fujairah were flooded, displacing many from their homes. Antonie Robertson / The National
    Roads and residential areas in Fujairah were flooded, displacing many from their homes. Antonie Robertson / The National
  • Sitting on the fence, residents are all smiles despite pools of standing water forming on roads in Fujairah city. Antonie Robertson / The National
    Sitting on the fence, residents are all smiles despite pools of standing water forming on roads in Fujairah city. Antonie Robertson / The National
  • Civil defence workers help to recover cars in water-logged Fujairah city. Antonie Robertson / The National
    Civil defence workers help to recover cars in water-logged Fujairah city. Antonie Robertson / The National
  • The weather bureau has forecast more rain in the next few days. Antonie Robertson / The National
    The weather bureau has forecast more rain in the next few days. Antonie Robertson / The National
  • Vehicles submerged in water-logged roads in Fujairah. Antonie Robertson / The National
    Vehicles submerged in water-logged roads in Fujairah. Antonie Robertson / The National
  • Car swept away in flash floods lies beside a road in Fujairah. Antonie Robertson / The National
    Car swept away in flash floods lies beside a road in Fujairah. Antonie Robertson / The National
  • Waterlogged low lying areas and subways in Fujairah city. Antonie Robertson / The National
    Waterlogged low lying areas and subways in Fujairah city. Antonie Robertson / The National
  • Flooding in Fujairah city. Antonie Robertson/The National
    Flooding in Fujairah city. Antonie Robertson/The National
  • Flooding in Fujairah city. Antonie Robertson/The National
    Flooding in Fujairah city. Antonie Robertson/The National
  • Flooding in Fujairah city. Antonie Robertson/The National
    Flooding in Fujairah city. Antonie Robertson/The National
  • An overturned car in Fujairah city beside a flooded road. Antonie Robertson / The National
    An overturned car in Fujairah city beside a flooded road. Antonie Robertson / The National
  • More rain is forecast for the UAE's east coast. Antonie Robertson/The National
    More rain is forecast for the UAE's east coast. Antonie Robertson/The National
  • Downpours have led to flooding across Fujairah, Ras Al Khaimah and Sharjah. Antonie Robertson/The National
    Downpours have led to flooding across Fujairah, Ras Al Khaimah and Sharjah. Antonie Robertson/The National
  • Flooding in Fujairah city. Antonie Robertson/The National
    Flooding in Fujairah city. Antonie Robertson/The National
  • Ministry of Defence images show servicemen helping residents in floodwaters in the Northern Emirates. Photo: UAE Ministry of Defence
    Ministry of Defence images show servicemen helping residents in floodwaters in the Northern Emirates. Photo: UAE Ministry of Defence
  • Flooding in Fujairah city with more rains expected. Antonie Robertson/The National
    Flooding in Fujairah city with more rains expected. Antonie Robertson/The National
  • Rescue personnel help residents affected by the flooding in the Northern Emirates. Photo: UAE Ministry Of Defence
    Rescue personnel help residents affected by the flooding in the Northern Emirates. Photo: UAE Ministry Of Defence
  • Servicemen move residents to dry ground. Photo: UAE Ministry of Defence
    Servicemen move residents to dry ground. Photo: UAE Ministry of Defence
  • Ministry of Defence images show servicemen helping residents in floodwaters in the Northern Emirates. Photo: UAE MOD
    Ministry of Defence images show servicemen helping residents in floodwaters in the Northern Emirates. Photo: UAE MOD
  • Cars navigate flooded roads in Fujairah. Issa Alkindy/The National
    Cars navigate flooded roads in Fujairah. Issa Alkindy/The National
  • A car swept away in the floods on the outskirts of Fujairah. Issa Alkindy/The National
    A car swept away in the floods on the outskirts of Fujairah. Issa Alkindy/The National
  • Cars that were washed away by flooding on the outskirts of Fujairah. Issa Alkindy/The National
    Cars that were washed away by flooding on the outskirts of Fujairah. Issa Alkindy/The National
  • The aftermath of flooding in Fujairah. Issa Alkindy/The National
    The aftermath of flooding in Fujairah. Issa Alkindy/The National
  • Water on the roads in Fujairah. Issa Alkindy/The National
    Water on the roads in Fujairah. Issa Alkindy/The National
  • A man takes a photo of the floods in Fujairah. Issa Alkindy/The National
    A man takes a photo of the floods in Fujairah. Issa Alkindy/The National
  • Families stop at the side of a mountain in Khor Fakkan to play in the water. Ruel Pableo for The National
    Families stop at the side of a mountain in Khor Fakkan to play in the water. Ruel Pableo for The National
  • Families stop to play in the water. Ruel Pableo for The National
    Families stop to play in the water. Ruel Pableo for The National
  • Children play in the water flowing down the side of the road. Ruel Pableo for The National
    Children play in the water flowing down the side of the road. Ruel Pableo for The National
  • There was some rockfall in areas along the road. Ruel Pableo for The National
    There was some rockfall in areas along the road. Ruel Pableo for The National
  • Families stop at the side of the mountain to play in the water. Ruel Pableo for The National
    Families stop at the side of the mountain to play in the water. Ruel Pableo for The National
  • A man clears rocks from the road. Ruel Pableo for The National
    A man clears rocks from the road. Ruel Pableo for The National
  • Families stop to play in the water. Ruel Pableo for The National
    Families stop to play in the water. Ruel Pableo for The National
  • Cars navigate a flooded road in Khor Fakkan, amid heavy rains in the city. Ruel Pableo for The National
    Cars navigate a flooded road in Khor Fakkan, amid heavy rains in the city. Ruel Pableo for The National
  • Waterlogged roads in the city after torrential rain fell overnight. Ruel Pableo for The National
    Waterlogged roads in the city after torrential rain fell overnight. Ruel Pableo for The National
  • Khor Fakkan has experienced two days of intense rainfall. Ruel Pableo for The National
    Khor Fakkan has experienced two days of intense rainfall. Ruel Pableo for The National
  • Authorities are urging people to take care in hazardous conditions. Ruel Pableo for The National
    Authorities are urging people to take care in hazardous conditions. Ruel Pableo for The National
  • More wet weather is expected this week, particularly in the Northern Emirates. Ruel Pableo for The National
    More wet weather is expected this week, particularly in the Northern Emirates. Ruel Pableo for The National
  • A cyclist struggles to make progress on a flooded road. Ruel Pableo for The National
    A cyclist struggles to make progress on a flooded road. Ruel Pableo for The National
  • Rain was expected in the UAE on July 27. Ruel Pableo for The National
    Rain was expected in the UAE on July 27. Ruel Pableo for The National
  • Bouts of heavy rain made for slippery road conditions for motorists in Sharjah. Ruel Pableo for The National
    Bouts of heavy rain made for slippery road conditions for motorists in Sharjah. Ruel Pableo for The National
  • Khor Fakkan has borne the brunt of much of the stormy weather. Ruel Pableo for The National
    Khor Fakkan has borne the brunt of much of the stormy weather. Ruel Pableo for The National
  • A waterlogged road in the mountains. Ruel Pableo for The National
    A waterlogged road in the mountains. Ruel Pableo for The National
  • People seek shelter during a downpour. Ruel Pableo for The National
    People seek shelter during a downpour. Ruel Pableo for The National
  • The mountainous area has been lashed by rain. Ruel Pableo for The National
    The mountainous area has been lashed by rain. Ruel Pableo for The National
  • A flooded road in Khor Fakkan. Ruel Pableo for The National
    A flooded road in Khor Fakkan. Ruel Pableo for The National

“The authority did a great job with rescue and evacuation operations,” said Rashid Mohammed, an Emirati resident in Fujairah.

“I felt safe despite the unstable weather. We are safe and nobody hurt. That’s what matters.”

Authorities said on Thursday that 870 people had been rescued by emergency teams following the unprecedented rains.

In total, 3,897 people were placed in temporary shelter in Sharjah and Fujairah and will remain there until their homes are deemed safe for them to return.

Officials assured the public that emergency and clean-up teams are working around the clock to help those in the worst-affected areas.

No deaths or casualties have been reported.

Late-night pharmacy run

Ismael Abdulwahhab, from Egypt, was trapped in his car during the flood in Fujairah. Ali Al Shouk / The National
Ismael Abdulwahhab, from Egypt, was trapped in his car during the flood in Fujairah. Ali Al Shouk / The National

Some motorists had to abandon their cars overnight to escape being trapped only to find their vehicles swept to the other side of Khalifa Road in Fujairah the following morning.

Ismael Abdulwahhab, from Egypt, and his family were trapped in their car for more than an hour after they drove to a pharmacy late on Wednesday.

“We went to get medicine for my 18-month-old daughter who had a high fever,” Mr Abdulwahhab, who works as a mechanic, told The National.

His car was quickly deluged, with himself, his wife and two daughters inside.

“I was driving back home after we bought the medicine when the water gushed towards us all of a sudden,” he said.

.
.

“I felt that we were going to die.”

Mr Abdulwahhab started to worry when the water began to enter the car, at which point he decided to carry his daughters one by one out of the vehicle, bringing them to higher ground across the road.

“I stepped out of the car only to be covered with water up to my shoulders. It felt more like floating than walking.”

Along with his daughters and his wife, Mr Abdulwahhab walked for nearly a kilometre towards their home in Al Hail before police officers in a patrol car saw them and took them the rest of the way.

“It was difficult to reach my home, even in a police car, because the neighbourhood was surrounded with water,” he said.

“[The police] told me they won't leave us alone until they made sure we were safe at our home.”

Mr Abdulwahhab returned to the area the next morning at about 6am, but could not find his car.

“I then spotted it on the other side of the road. It was swept away to the other side by the flood,” he said, while waiting for a recovery vehicle to pick the vehicle up.

“It has been badly damaged but I can't know the extent of the damage until I check it in the repair shop.”

Relief on higher ground

Resident Jumaa Salam Al Mesmari was affected by the flooding in Fujairah city. Antonie Robertson / The National
Resident Jumaa Salam Al Mesmari was affected by the flooding in Fujairah city. Antonie Robertson / The National

Some families were forced to leave their flooded homes, while others decided to stay to avoid getting stuck on flooded roads.

Emirati Jumaa Al Mesmari, a retiree from Fujairah, said the situation escalated quickly and he did not expect the rain would increase so much. It ultimately flooded his home in Al Faseel neighbourhood.

“I took all precautionary measures but at 2am on Thursday, water entered the house from outside,” Mr Al Mesmari, a father of nine, told The National.

As a former member of the military, Mr Al Mesmari knew that he should not leave the house, which stands on high ground, to avoid being stuck outside in the flood.

“All of my family members are safe but we have small damages in the maids’ rooms attached to the villa where electricity was cut off.”

His eight daughters, who are married and live in other areas in Fujairah, all came to his home for shelter.

“I accommodated my daughters and their children as their houses were full of water and damaged,” Mr Al Mesmari said, as maids and family members busily cleaned the house.

“I have eight rooms in the villa and I feel better having them in front of me rather than worrying about their situation if they were away”

Shelter in Fujairah hotels

A man stands in a flooded street in Fujairah city. Antonie Robertson / The National
A man stands in a flooded street in Fujairah city. Antonie Robertson / The National

Some Fujairah residents who went seeking shelter in hotels were lucky to find vacant rooms.

“We had to leave our home in Murishid area in Fujairah after Al Maghrib time,” said an Emirati man who did not wish to be named.

His family of five quickly packed some items and jumped into their SUV, heading to the nearest available hotel.

“Most hotels are now fully booked and we could hardly find a room at the Novotel Ibis,” he said.

Rain water entered their single-storey villa on Wednesday and, with rain falling constantly, he feared it would become worse

“We will remain at the hotel until we make sure it's safe for us to do so,” he said.

“My eldest son has returned to check and saw that it's been flooded.”

Several recovery vehicles could be seen across most of the areas in Fujairah on Thursday, recovering dozens of cars that had broken down due to the floods.

“I delivered a car from Dubai to Fujairah then got stuck here,” said Saad Al Matlag, a recovery driver from Syria.

“This afternoon, trying to head back to Dubai, a Fujairah taxi that broke down and had been stuck since last night approached me for help.”

Fujairah resident Kholoud Al Tunaiji, who owns a stable near the city's corniche, had to relocate 30 horses after torrential rain flooded her stables overnight.

“The water went up to the horses’ chests and it was risky to leave them or wait for emergency crews,” she told The National.

Ministry of Defence personnel help evacuees down from an army truck as they are taken to accommodation. Photo: Ministry of Defence
Ministry of Defence personnel help evacuees down from an army truck as they are taken to accommodation. Photo: Ministry of Defence

“If we left them longer, the pressure of water could affect their respiratory system and they could die.”

Ms Al Tunaiji, her brothers and workers at the stable moved the animals one by one to a farm that is located on higher ground.

“We had to walk the horses several kilometres in the water to take them to a safer place.”

Booked out

Some residents who drove from other emirates to enjoy the cooler weather in Fujairah or had come on business were stranded as hotels became fully booked.

All 32 rooms at the City Plaza hotel were fully occupied, mainly by local families.

“We had many families coming in last night and the night before. They even came from Oman,” said Mohammad Erfan from the hotel’s front desk.

Dozens of people seeking shelter from the rain, which flooded the hotel's reception area, remained in the restaurant until the downpour stopped.

“About 15 or 20 families took shelter at our restaurant,” Mr Erfan said.

An Emirati couple who drove from Dubai to Fujairah on Wednesday evening were unable to find a hotel room.

“Every hotel we went to was fully booked,” said Abu Rashid.

With the drive back to Dubai being risky, they decided to sleep in the car.

“Good thing we had a blanket in the back of our car,” he said.

Vivek Shanhan, originally from India, arrived in Fujairah with a team of three from SpiceJet airline as part of their Hajj operations but became stuck.

“We have to catch a flight to India later today and we can't get any means of transport, not hotel bus or even a taxi,” he said.

An Emirati man, who declined to be identified, said he had to navigate the flooding between houses while carrying his month-old daughter to safety.

“The floods struck us all of a sudden. I decided to leave my home in Al Faseel area. The car broke down in the middle of a flooded road and the water went inside the car,” he said.

“I managed to carry my newborn daughter to safety around midnight. With others' help, I managed to rescue my five children and wife.”

He said this was the first time he had ever witnessed such weather.

“It was a crazy situation but, thank God, I managed to rescue my family. My brother came from Abu Dhabi to help me put my car on recovery vehicle on Thursday,” he added.

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The Bio

Favourite holiday destination: Either Kazakhstan or Montenegro. I’ve been involved in events in both countries and they are just stunning.

Favourite book: I am a huge of Robin Cook’s medical thrillers, which I suppose is quite apt right now. My mother introduced me to them back home in New Zealand.

Favourite film or television programme: Forrest Gump is my favourite film, that’s never been up for debate. I love watching repeats of Mash as well.

Inspiration: My late father moulded me into the man I am today. I would also say disappointment and sadness are great motivators. There are times when events have brought me to my knees but it has also made me determined not to let them get the better of me.

How to help

Send “thenational” to the following numbers or call the hotline on: 0502955999
2289 – Dh10
2252 – Dh 50
6025 – Dh20
6027 – Dh 100
6026 – Dh 200

 


 

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Name: Lynn Davison

Profession: History teacher at Al Yasmina Academy, Abu Dhabi

Children: She has one son, Casey, 28

Hometown: Pontefract, West Yorkshire in the UK

Favourite book: The Alchemist by Paulo Coelho

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Rajasthan Royals 158-8 (20 ovs)
Kings XI Punjab 143/7 (20 ovs)

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Dobromir Radichkov, chief data officer at dubizzle and Bayut, offers a few tips for UAE residents looking to earn some cash from pre-loved items.

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First Person
Richard Flanagan
Chatto & Windus 

RESULTS
%3Cp%3E%0D5pm%3A%20Al%20Bateen%20%E2%80%93%20Maiden%20(PA)%20Dh80%2C000%20(Turf)%202%2C200m%0D%3Cbr%3EWinner%3A%20Ma%E2%80%99Aly%20Al%20Shahania%2C%20Bernardo%20Pinheiro%20(jockey)%2C%20Mohamed%20Daggash%20(trainer)%0D%3Cbr%3E5.30pm%3A%20Al%20Khaleej%20%E2%80%93%20Maiden%20(PA)%20Dh80%2C000%20(T)%201%2C400m%0D%3Cbr%3EWinner%3A%20AF%20Rami%2C%20Tadhg%20O%E2%80%99Shea%2C%20Ernst%20Oertel%0D%3Cbr%3E6pm%3A%20Wathba%20Stallions%20Cup%20%E2%80%93%20Handicap%20(PA)%20Dh70%2C000%20(T)%201%2C400m%0D%3Cbr%3EWinner%3A%20Bant%20Al%20Emarat%2C%20Bernardo%20Pinheiro%2C%20Qaiss%20Aboud%0D%3Cbr%3E6.30pm%3A%20Al%20Nahyan%20%E2%80%93%20Handicap%20(PA)%20Dh80%2C000%20(T)%201%2C600m%0D%3Cbr%3EWinner%3A%20AF%20Rasam%2C%20Marcelino%20Rodrigues%2C%20Ernst%20Oertel%0D%3Cbr%3E7pm%3A%20Al%20Karamah%20%E2%80%93%20Handicap%20(PA)%20Dh80%2C000%20(T)%201%2C600m%0D%3Cbr%3EWinner%3A%20Zafaranah%2C%20Bernardo%20Pinheiro%2C%20Musabah%20Al%20Muhairi%0D%3Cbr%3E7.30pm%3A%20Al%20Salam%20%E2%80%93%20Handicap%20(TB)%20Dh80%2C000%20(T)%201%2C400m%0D%3Cbr%3EWinner%3A%20Nibras%20Passion%2C%20Tadhg%20O%E2%80%99Shea%2C%20Ismail%20Mohammed%3C%2Fp%3E%0A
Red flags
  • Promises of high, fixed or 'guaranteed' returns.
  • Unregulated structured products or complex investments often used to bypass traditional safeguards.
  • Lack of clear information, vague language, no access to audited financials.
  • Overseas companies targeting investors in other jurisdictions - this can make legal recovery difficult.
  • Hard-selling tactics - creating urgency, offering 'exclusive' deals.

Courtesy: Carol Glynn, founder of Conscious Finance Coaching

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.”

Reputation

Taylor Swift

(Big Machine Records)

Dirham Stretcher tips for having a baby in the UAE

Selma Abdelhamid, the group's moderator, offers her guide to guide the cost of having a young family:

• Buy second hand stuff

 They grow so fast. Don't get a second hand car seat though, unless you 100 per cent know it's not expired and hasn't been in an accident.

• Get a health card and vaccinate your child for free at government health centres

 Ms Ma says she discovered this after spending thousands on vaccinations at private clinics.

• Join mum and baby coffee mornings provided by clinics, babysitting companies or nurseries.

Before joining baby classes ask for a free trial session. This way you will know if it's for you or not. You'll be surprised how great some classes are and how bad others are.

• Once baby is ready for solids, cook at home

Take the food with you in reusable pouches or jars. You'll save a fortune and you'll know exactly what you're feeding your child.

The biog

Name: Younis Al Balooshi

Nationality: Emirati

Education: Doctorate degree in forensic medicine at the University of Bonn

Hobbies: Drawing and reading books about graphic design

Updated: July 30, 2022, 5:33 AM