• Sheikh Zayed greeting his son Crown Prince of Abu Dhabi and Deputy Supreme Commander of the Armed Forces, Sheikh Mohamed bin Zayed on his graduation from Sandhurst militray academy in 1979. Alittihad
    Sheikh Zayed greeting his son Crown Prince of Abu Dhabi and Deputy Supreme Commander of the Armed Forces, Sheikh Mohamed bin Zayed on his graduation from Sandhurst militray academy in 1979. Alittihad
  • Royal Marine Cadets outside Sandhurst in 1878. Getty Images
    Royal Marine Cadets outside Sandhurst in 1878. Getty Images
  • Royal Military College Sandhurst in 1881. Getty Images
    Royal Military College Sandhurst in 1881. Getty Images
  • Cadets outside Sandhurst in 1881. Getty Images
    Cadets outside Sandhurst in 1881. Getty Images
  • Winston Churchill, on the left, as a Sandhurst cadet in 1894. Getty Images
    Winston Churchill, on the left, as a Sandhurst cadet in 1894. Getty Images
  • Sandhurst cadets during a visit of King George V in 1913. Getty Images)
    Sandhurst cadets during a visit of King George V in 1913. Getty Images)
  • Cadets during physical exercises at Sandhurst College in 1925. Getty Images
    Cadets during physical exercises at Sandhurst College in 1925. Getty Images
  • Army Cadets marching out of the gymnasium and preparing for Bayonet Fencing Drill at Sandhurst College in 1938. Getty Images
    Army Cadets marching out of the gymnasium and preparing for Bayonet Fencing Drill at Sandhurst College in 1938. Getty Images
  • Princess Elizabeth inspecting the Guard of Honor at the Royal Military College, Sandhurst, 1949. Getty Images
    Princess Elizabeth inspecting the Guard of Honor at the Royal Military College, Sandhurst, 1949. Getty Images
  • British Prime Minister Margaret Thatcher inspecting the Sovereign's Parade at Sandhurst in 1980. Getty Images
    British Prime Minister Margaret Thatcher inspecting the Sovereign's Parade at Sandhurst in 1980. Getty Images
  • 403692 02: Major Richard Winstanley, the Academy Adjutant, rides his horse during a rehearsal for the 138th Sovereigns Parade in 2002. Getty Images
    403692 02: Major Richard Winstanley, the Academy Adjutant, rides his horse during a rehearsal for the 138th Sovereigns Parade in 2002. Getty Images
  • British Prime Minister Tony Blair inspects Officer cadets after they completed their training at Sandhurst in 2003. Getty Images)
    British Prime Minister Tony Blair inspects Officer cadets after they completed their training at Sandhurst in 2003. Getty Images)
  • Sheikh Mohammed bin Rashid, Vice President and Ruler of Dubai, attends his son's Passing Out Parade at Sandhurst in 2006. Getty Images
    Sheikh Mohammed bin Rashid, Vice President and Ruler of Dubai, attends his son's Passing Out Parade at Sandhurst in 2006. Getty Images
  • Prince Harry is met by Commandant Major General Andrew Ritchie at Sandhurst Royal Military Academy. Prince Harry then began his officer training, in 2005. Getty Images
    Prince Harry is met by Commandant Major General Andrew Ritchie at Sandhurst Royal Military Academy. Prince Harry then began his officer training, in 2005. Getty Images
  • Prince Harry takes part in the Trooping Of New Colours alongside his fellow officer cadets at the Royal Military Academy, Sandhurst in 2005. Getty Images
    Prince Harry takes part in the Trooping Of New Colours alongside his fellow officer cadets at the Royal Military Academy, Sandhurst in 2005. Getty Images
  • Prince Harry in action during his training at Sandhurst Military Academy in 2006. Getty Images
    Prince Harry in action during his training at Sandhurst Military Academy in 2006. Getty Images
  • Prince Charles, Prince William, Prince Harry, Prince Philip, Duke of Edinburgh, Queen Elizabeth II and Camilla, Duchess of Cornwall pose together after the passing-out Sovereign's Parade at Sandhurst in 2006. Getty Images
    Prince Charles, Prince William, Prince Harry, Prince Philip, Duke of Edinburgh, Queen Elizabeth II and Camilla, Duchess of Cornwall pose together after the passing-out Sovereign's Parade at Sandhurst in 2006. Getty Images
  • Prince Charles, Prince William and Prince Harry salute Queen Elizabeth II as she leaves the passing-out Sovereign's Parade at Sandhurst in 2006. Getty Images
    Prince Charles, Prince William and Prince Harry salute Queen Elizabeth II as she leaves the passing-out Sovereign's Parade at Sandhurst in 2006. Getty Images
  • Officer cadets from the Royal Military Academy Sandhurst change their clothes as they take a break before beginning a command task at a checkpoint as they take part in Exercise Long Reach in the Brecon Beacons in 2013. Getty Images
    Officer cadets from the Royal Military Academy Sandhurst change their clothes as they take a break before beginning a command task at a checkpoint as they take part in Exercise Long Reach in the Brecon Beacons in 2013. Getty Images
  • An officer cadet from the Royal Military Academy Sandhurst crosses a river during a command task in the Brecon Beacons in 2013. Getty Images
    An officer cadet from the Royal Military Academy Sandhurst crosses a river during a command task in the Brecon Beacons in 2013. Getty Images
  • Graduating Sandhurst cadets march into the academy following the conclusion of the sovereigns parade at Sandhurst in 2015. Getty Images
    Graduating Sandhurst cadets march into the academy following the conclusion of the sovereigns parade at Sandhurst in 2015. Getty Images
  • Prince Harry inspects the graduating officer cadets at Sandhurst in 2017. Getty Images
    Prince Harry inspects the graduating officer cadets at Sandhurst in 2017. Getty Images

Secrets of Sandhurst’s prized officer training course


Thomas Harding
  • English
  • Arabic

It was in part thanks to Napoleon that Sandhurst was established to turn callow young men into capable military commanders.

Having been at the receiving end of some hefty defeats at the hands of the Frenchman in the early 1800s it seemed that British aristocrats did not necessarily make good leaders in battle. The Royal Military Academy Sandhurst was designed to produce professional officers in a move that bore fruit when the British Army and its allies defeated Napoleon at Waterloo in 1815.

Since those hard won lessons learned in the early days, the academy has trained many thousands of officer cadets, from the sons of working families to the scions of nobles. The most recent passing out parade in December saw Sheikh Zayed bin Mohamed and Sheikh Humaid bin Ammar bin Humaid Al Nuaimi of the UAE among the officers proudly watched by their fathers.

Over the last two centuries, 113 royals from Britain, Spain, Luxembourg, Jordan, Saudi Arabia, Tonga and elsewhere have completed Sandhurst’s arduous officer training course, ironing their own shirts and cleaning toilets while barked at by colour sergeants from dawn till dusk. The lineage of its cadets is one of the features of the job for the man who runs the institution.

"There's a great history of having very senior folk here and we don't make a big deal of it," Sandhurst's commandant, Maj Gen Duncan Capps, told The National in an interview. "Regardless of background or position, officer cadets are treated the same. Monarchs are treated just like everyone else. Where else would that happen?"

Since the Second World War the military academy has received officer cadets from across the Middle East and beyond. Three current heads of state – the King of Jordan, the Sultan of Oman and the Sultan of Brunei – passed through Sandhurst.

The UAE officers that so proudly stood to attention in the sunshine in December were among 323 cadets from the Emirates who since 1969 have marched off the parade ground shoulder-to-shoulder with British comrades. They had spent 44 weeks performing menial tasks of self-reliance, such as ironing their own tunics, to being tested for battle, freezing in ditches and going to the limits of physical endurance. Those muddy, damp trenches house a multicultural melting pot of soldiers from the US, Jamaica, the Middle East,  Australia and South Korea. Cadets from 131 countries have proudly marched up the grand steps of the military academy’s Old College building, ready to lead men and women into battle.

  • President Sheikh Mohamed, who was Crown Prince of Abu Dhabi at the time, with UAE Officer Cadets during the Sovereign’s Parade at The Royal Military Academy at Sandhurst in December 2020. Rashed Al Mansoori/Ministry of Presidential Affairs
    President Sheikh Mohamed, who was Crown Prince of Abu Dhabi at the time, with UAE Officer Cadets during the Sovereign’s Parade at The Royal Military Academy at Sandhurst in December 2020. Rashed Al Mansoori/Ministry of Presidential Affairs
  • Sheikh Zayed bin Mohamed participates in the Sovereign’s Parade. Rashed Al Mansoori/Ministry of Presidential Affairs
    Sheikh Zayed bin Mohamed participates in the Sovereign’s Parade. Rashed Al Mansoori/Ministry of Presidential Affairs
  • Sheikh Zayed bin Mohamed participates in the Sovereign’s Parade. Rashed Al Mansoori/Ministry of Presidential Affairs
    Sheikh Zayed bin Mohamed participates in the Sovereign’s Parade. Rashed Al Mansoori/Ministry of Presidential Affairs
  • Sheikh Zayed bin Mohamed participates in the the Sovereign’s Parade. Rashed Al Mansoori/Ministry of Presidential Affairs
    Sheikh Zayed bin Mohamed participates in the the Sovereign’s Parade. Rashed Al Mansoori/Ministry of Presidential Affairs
  • Sheikh Mohamed attends the Sovereign’s Parade. Rashed Al Mansoori/Ministry of Presidential Affairs
    Sheikh Mohamed attends the Sovereign’s Parade. Rashed Al Mansoori/Ministry of Presidential Affairs
  • Sheikh Mohamed and Sheikh Ammar bin Humaid Al Nuaimi, Crown Prince of Ajman, attend the Sovereign’s Parade. Rashed Al Mansoori/Ministry of Presidential Affairs
    Sheikh Mohamed and Sheikh Ammar bin Humaid Al Nuaimi, Crown Prince of Ajman, attend the Sovereign’s Parade. Rashed Al Mansoori/Ministry of Presidential Affairs
  • Sheikh Mohamed at the Sovereign’s Parade in December 2020. Rashed Al Mansoori/Ministry of Presidential Affairs
    Sheikh Mohamed at the Sovereign’s Parade in December 2020. Rashed Al Mansoori/Ministry of Presidential Affairs
  • Sheikh Humaid bin Ammar bin Humaid Al Nuaimi receives the International Award during the Sovereign’s Parade. Rashed Al Mansoori/Ministry of Presidential Affairs
    Sheikh Humaid bin Ammar bin Humaid Al Nuaimi receives the International Award during the Sovereign’s Parade. Rashed Al Mansoori/Ministry of Presidential Affairs
  • The Sovereign’s Parade for Commissioning Course 201 at The Royal Military Academy Sandhurst. Rashed Al Mansoori/Ministry of Presidential Affairs
    The Sovereign’s Parade for Commissioning Course 201 at The Royal Military Academy Sandhurst. Rashed Al Mansoori/Ministry of Presidential Affairs
  • The Sovereign’s Parade at The Royal Military Academy Sandhurst. Rashed Al Mansoori/Ministry of Presidential Affair
    The Sovereign’s Parade at The Royal Military Academy Sandhurst. Rashed Al Mansoori/Ministry of Presidential Affair
  • Graduating cadets participate in the Sovereign’s Parade at The Royal Military Academy Sandhurst. Rashed Al Mansoori/Ministry of Presidential Affairs
    Graduating cadets participate in the Sovereign’s Parade at The Royal Military Academy Sandhurst. Rashed Al Mansoori/Ministry of Presidential Affairs

Sandhurst teaches leadership, its simple motto being "Serve to Lead". Its sought-after education is in such high demand that the academy this year increased its overseas intake, which is now 10 per cent of the 800 annual recruits.

All officer cadets are treated in the same fair but tough manner. "You want those that will take over power in the future to learn what the nature of leadership really means, which is about service," Gen Capps told The National.

Sandhurst is a place that gives cadets an understanding of what it means to motivate and inspire others. The commandant has a ready list of "pretty good examples of things that might not happen in other places”.

Gen Capps remembers former King Hussein of Jordan striding across the parade ground with one of his sons in tow, carrying his ironing board and bags. The king was fond of praising the academy he himself attended in the 1950s. “No man can rule a country without discipline, and nowhere in the world do they teach discipline as they do at Sandhurst,” he frequently said.

Commandant of the Royal Military Academy Sandhurst General Duncan Capps. Courtesy Ministry of Defence
Commandant of the Royal Military Academy Sandhurst General Duncan Capps. Courtesy Ministry of Defence

Nestling among oak trees and lakes in 728 hectares just outside the Hampshire town of Camberley in southern England, the Royal Military Academy Sandhurst has ‘passed-out’ an eclectic alumnus from future prime ministers, including Winston Churchill, an astronaut in Tim Peake, actors, artists, Olympic athletes, rugby internationals, celebrity chefs and even the pop star James Blunt.

Among the royals Sandhurst has commissioned are 57 from the Middle East and seven monarchs. Sheikh Mohamed bin Zayed, Crown Prince of Abu Dhabi and Deputy Supreme Commander of the Armed Forces, attended Sandhurst in 1979, as did the future British monarch Prince William along with his brother Prince Harry in 2006.

Foreign nobility first arrived as officer cadets in 1828 and after the Second World War Sandhurst accepted overseas cadets regardless of background. It is that egalitarian ethos, whereby a corporal who has come up through the ranks to get a commission can find himself on guard duty next to a royal prince, that perhaps helps to produce quality leaders.

“Leadership is about not trying to be something you're not,” the commandant said, from his office adorned with paintings of generals on horseback. “Leadership is not about standing at the front and running around, it's the small things you do with individuals, to develop them and build them into a team so that when you need to, you can do things as a team.”

Sandhurst can be an experience that shapes an individual’s life. Gen Capps was an overweight 18-year-old from a state comprehensive school with no military connections, lacking in confidence and world experience, when he joined in 1985. A year later, all that had changed. “I was a completely different character in outlook, confidence and ability. Sandhurst gave me a crash course in maturity, humility and the ability to get on with everybody. It's no small exaggeration to say that it changed me fundamentally and it was all for the best.”

Like many before him, he realised his experience was only the start of a journey, but one in which he had become far better equipped to handle life’s challenges. “Whatever your background, your ethnicity, you understand that whatever start you’ve had in life is not a barrier to where you can get to.”

While the British officer cadets today know that they are not likely to be heading out to lead a platoon into battle in Afghanistan, for some Middle East officers there is a realistic chance of fighting insurgencies or terrorism on their return home.

You want those that will take over power in the future to learn what the nature of leadership really means

Countries generally choose their finest for Sandhurst. “They don't send people here who are not going to shine,” Gen Capps said. “They are picking some of their very best people to come and receive what they consider to be the best military training.”

While the UAE helps its officer cadets with fitness, language and cultural differences, one difficulty is preparing for the cold British winter.

Another adjustment that international recruits have to make is dealing with being shouted at by the colour sergeant in front of their peers. There is nothing like a dressing-down to learn from a mistake, although these days the shouting approach is more nuanced.

“We’ve found that generally people don't respond well to being shouted at all the time, they just switch off and this is about training them and educating them,” said Gen Capps. “If people get something wrong, you say, ‘would you accept this standard from your soldiers?’ If they can't be self-governing, motivating and policing, then they're not going to be very good officers.”

But surely the drill sergeants on occasion let rip with the tirade that usually ends in “you horrible little man…sir”?

“There will be times when someone has done something that potentially could endanger someone’s life in training,” Gen Capp said. “And that isn't the time to sit down and say, ‘hey, how do you feel about that?’”

The bonds made at Sandhurst are also useful to the UK, not only in defence diplomacy but when things go wrong, and when British troops need to deploy abroad there is usually a friendly face who knows their ethos well. “When you meet someone who you've trained with, you've got an immediate link, you have a shared background and a similar perspective on things,” the commandant said. “From a UK perspective, that really helps us because it means we've got friends across the world.”

Despite its long history and traditions, Sandhurst moves with the times, Gen Capp said. “One thing we have learned through Covid is that we all need good leadership. Civilians are craving authentic, honest, leadership by people who've got integrity. So I think Sandhurst is probably more relevant than ever.”

That crossover has been particularly evident in the crisis triggered by the pandemic that brought much of the UK to a standstill for parts of 2020. Frontline National Health Service workers told The National at the height of Britain's Covid crisis that their bosses should have called in the military far earlier. When they did, the officers provided "resilience in leadership through a crisis that was unprecedented", Gen Capps said.

With ISIS an increasing threat and conflicts continuing, the most recent Sandhurst graduates will no doubt find their leadership tested in the years to come. After watching his son’s parade Sheikh Mohamed expressed his confidence in the character forming calibre of the Sandhurst experience as he took his leave, posting on Twitter: “I was proud to attend the Sovereign’s Parade at the Royal Military Academy Sandhurst, where I met with our Emirati cadets.”

Before leaving, the Crown Prince spoke briefly with the commandant. “He told me that there was absolutely no question about him sending his son to Sandhurst,” Gen Capps recalled.

Earlier, Sandhurst had asked Sheikh Mohamed if he would stand in at the podium for Queen Elizabeth for the sovereign’s parade. He politely declined, according to Gen Capps recollection of the conversation, saying: “I'd rather like to come as a father.”

More on Sandhurst

Ten tax points to be aware of in 2026

1. Domestic VAT refund amendments: request your refund within five years

If a business does not apply for the refund on time, they lose their credit.

2. E-invoicing in the UAE

Businesses should continue preparing for the implementation of e-invoicing in the UAE, with 2026 a preparation and transition period ahead of phased mandatory adoption. 

3. More tax audits

Tax authorities are increasingly using data already available across multiple filings to identify audit risks. 

4. More beneficial VAT and excise tax penalty regime

Tax disputes are expected to become more frequent and more structured, with clearer administrative objection and appeal processes. The UAE has adopted a new penalty regime for VAT and excise disputes, which now mirrors the penalty regime for corporate tax.

5. Greater emphasis on statutory audit

There is a greater need for the accuracy of financial statements. The International Financial Reporting Standards standards need to be strictly adhered to and, as a result, the quality of the audits will need to increase.

6. Further transfer pricing enforcement

Transfer pricing enforcement, which refers to the practice of establishing prices for internal transactions between related entities, is expected to broaden in scope. The UAE will shortly open the possibility to negotiate advance pricing agreements, or essentially rulings for transfer pricing purposes. 

7. Limited time periods for audits

Recent amendments also introduce a default five-year limitation period for tax audits and assessments, subject to specific statutory exceptions. While the standard audit and assessment period is five years, this may be extended to up to 15 years in cases involving fraud or tax evasion. 

8. Pillar 2 implementation 

Many multinational groups will begin to feel the practical effect of the Domestic Minimum Top-Up Tax (DMTT), the UAE's implementation of the OECD’s global minimum tax under Pillar 2. While the rules apply for financial years starting on or after January 1, 2025, it is 2026 that marks the transition to an operational phase.

9. Reduced compliance obligations for imported goods and services

Businesses that apply the reverse-charge mechanism for VAT purposes in the UAE may benefit from reduced compliance obligations. 

10. Substance and CbC reporting focus

Tax authorities are expected to continue strengthening the enforcement of economic substance and Country-by-Country (CbC) reporting frameworks. In the UAE, these regimes are increasingly being used as risk-assessment tools, providing tax authorities with a comprehensive view of multinational groups’ global footprints and enabling them to assess whether profits are aligned with real economic activity. 

Contributed by Thomas Vanhee and Hend Rashwan, Aurifer

Moon Music

Artist: Coldplay

Label: Parlophone/Atlantic

Number of tracks: 10

Rating: 3/5

Dhadak 2

Director: Shazia Iqbal

Starring: Siddhant Chaturvedi, Triptii Dimri 

Rating: 1/5

Key products and UAE prices

iPhone XS
With a 5.8-inch screen, it will be an advance version of the iPhone X. It will be dual sim and comes with better battery life, a faster processor and better camera. A new gold colour will be available.
Price: Dh4,229

iPhone XS Max
It is expected to be a grander version of the iPhone X with a 6.5-inch screen; an inch bigger than the screen of the iPhone 8 Plus.
Price: Dh4,649

iPhone XR
A low-cost version of the iPhone X with a 6.1-inch screen, it is expected to attract mass attention. According to industry experts, it is likely to have aluminium edges instead of stainless steel.
Price: Dh3,179

Apple Watch Series 4
More comprehensive health device with edge-to-edge displays that are more than 30 per cent bigger than displays on current models.

Greatest of All Time
Starring: Vijay, Sneha, Prashanth, Prabhu Deva, Mohan
Director: Venkat Prabhu
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Southampton 2 (Ings 32' & pen 89') Tottenham Hotspur 5 (Son 45', 47', 64', & 73', Kane 82')

Man of the match Son Heung-min (Tottenham)

Global state-owned investor ranking by size

1.

United States

2.

China

3.

UAE

4.

Japan

5

Norway

6.

Canada

7.

Singapore

8.

Australia

9.

Saudi Arabia

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South Korea

Our family matters legal consultant

Name: Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

Ferrari 12Cilindri specs

Engine: naturally aspirated 6.5-liter V12

Power: 819hp

Torque: 678Nm at 7,250rpm

Price: From Dh1,700,000

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Low turnout
Two months before the first round on April 10, the appetite of voters for the election is low.

Mathieu Gallard, account manager with Ipsos, which conducted the most recent poll, said current forecasts suggested only two-thirds were "very likely" to vote in the first round, compared with a 78 per cent turnout in the 2017 presidential elections.

"It depends on how interesting the campaign is on their main concerns," he told The National. "Just now, it's hard to say who, between Macron and the candidates of the right, would be most affected by a low turnout."

Know your Camel lingo

The bairaq is a competition for the best herd of 50 camels, named for the banner its winner takes home

Namoos - a word of congratulations reserved for falconry competitions, camel races and camel pageants. It best translates as 'the pride of victory' - and for competitors, it is priceless

Asayel camels - sleek, short-haired hound-like racers

Majahim - chocolate-brown camels that can grow to weigh two tonnes. They were only valued for milk until camel pageantry took off in the 1990s

Millions Street - the thoroughfare where camels are led and where white 4x4s throng throughout the festival

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UAE squad

Rohan Mustafa (captain), Ashfaq Ahmed, Ghulam Shabber, Rameez Shahzad, Mohammed Boota, Mohammed Usman, Adnan Mufti, Shaiman Anwar, Ahmed Raza, Imran Haider, Qadeer Ahmed, Mohammed Naveed, Amir Hayat, Zahoor Khan

Sheer grandeur

The Owo building is 14 storeys high, seven of which are below ground, with the 30,000 square feet of amenities located subterranean, including a 16-seat private cinema, seven lounges, a gym, games room, treatment suites and bicycle storage.

A clear distinction between the residences and the Raffles hotel with the amenities operated separately.

World record transfers

1. Kylian Mbappe - to Real Madrid in 2017/18 - €180 million (Dh770.4m - if a deal goes through)
2. Paul Pogba - to Manchester United in 2016/17 - €105m
3. Gareth Bale - to Real Madrid in 2013/14 - €101m
4. Cristiano Ronaldo - to Real Madrid in 2009/10 - €94m
5. Gonzalo Higuain - to Juventus in 2016/17 - €90m
6. Neymar - to Barcelona in 2013/14 - €88.2m
7. Romelu Lukaku - to Manchester United in 2017/18 - €84.7m
8. Luis Suarez - to Barcelona in 2014/15 - €81.72m
9. Angel di Maria - to Manchester United in 2014/15 - €75m
10. James Rodriguez - to Real Madrid in 2014/15 - €75m

Henrik Stenson's finishes at Abu Dhabi HSBC Championship:

2006 - 2
2007 - 8
2008 - 2
2009 - MC
2010 - 21
2011 - 42
2012 - MC
2013 - 23
2014 - MC
2015 - MC
2016 - 3
2017 - 8

MATCH INFO

Uefa Champions League semi-finals, first leg
Liverpool v Roma

When: April 24, 10.45pm kick-off (UAE)
Where: Anfield, Liverpool
Live: BeIN Sports HD
Second leg: May 2, Stadio Olimpico, Rome

Teaching your child to save

Pre-school (three - five years)

You can’t yet talk about investing or borrowing, but introduce a “classic” money bank and start putting gifts and allowances away. When the child wants a specific toy, have them save for it and help them track their progress.

Early childhood (six - eight years)

Replace the money bank with three jars labelled ‘saving’, ‘spending’ and ‘sharing’. Have the child divide their allowance into the three jars each week and explain their choices in splitting their pocket money. A guide could be 25 per cent saving, 50 per cent spending, 25 per cent for charity and gift-giving.

Middle childhood (nine - 11 years)

Open a bank savings account and help your child establish a budget and set a savings goal. Introduce the notion of ‘paying yourself first’ by putting away savings as soon as your allowance is paid.

Young teens (12 - 14 years)

Change your child’s allowance from weekly to monthly and help them pinpoint long-range goals such as a trip, so they can start longer-term saving and find new ways to increase their saving.

Teenage (15 - 18 years)

Discuss mutual expectations about university costs and identify what they can help fund and set goals. Don’t pay for everything, so they can experience the pride of contributing.

Young adulthood (19 - 22 years)

Discuss post-graduation plans and future life goals, quantify expenses such as first apartment, work wardrobe, holidays and help them continue to save towards these goals.

* JP Morgan Private Bank 

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