Steven Leslie Glitz, a principal consultant at recruitment company Redpath Partners, had a significant amount of capital parked in a local bank in the UAE. It was not earning any interest and he was looking at different options.
The British national is relocating to Canada but is not yet a resident, so he’s unable to open a Canadian bank account. With no plans to return to the UK, it didn’t make sense to transfer the money from the UAE because of high transaction fees.
Instead, he decided to move his money to a high-yield cash account offered by UAE wealth management platform Sarwa.
Sarwa Save offers a 3 per cent annual interest rate and comes with a zero-transfer cost for local dirham accounts, requires no minimum balance and has no management fees.
The US dollar account is held offshore with Sarwa’s banking partner, Saxo Bank in Denmark.
“Having been using Sarwa Invest for my investment portfolio for the past few years, Sarwa Save was a no-brainer, with my funds held in USD cash with little investment risk, while knowing Saxo Bank and Citibank provide the offshore benefits I was seeking at a much lower cost,” Mr Glitz says.
“The benefits include a guaranteed 3 per cent annual interest rate and knowing that my money is held by Saxo Bank, which is a reputable and secure bank that is regulated by the Danish Financial Supervisory Authority and a member of the Danish Guarantee Fund for Depositors and Investors.”
Consumers are increasingly switching to cash accounts with competitive interest rates or high-yield savings accounts as a majority of banks in the Emirates continue to offer customers low savings yields despite nine consecutive base rate rises by the UAE Central Bank over the past year.
While the cost of borrowing has risen in line with the rate increases, banks have been slower to pass on the benefits to savers.
Most cash accounts in the UAE offer either low interest or none at all, while most local banks have set minimum salary and minimum balance rule for their savings accounts.
“The average yield on savings accounts in the UAE banks is around 0.8 per cent as it stands today. Sarwa Save offers almost four times this amount,” Mark Chahwan, co-founder and chief executive of Sarwa, says.
“Ongoing macroeconomic uncertainty has also made people more cautious about their investments. As a result, they prefer to invest in more conservative and liquid instruments like high-yield cash accounts.”
Sarwa Save is ideal for people who prioritise short-term savings with interest. Today, many are seeking products that generate income while preserving capital, Mr Chahwan adds.
For those looking for a Sharia-compliant equivalent, Sarwa offers Save Halal, a low-risk money market funds portfolio that consists of cash and cash-equivalent securities projecting a return of 3 per cent.
Sarwa Save is a product offered through Sarwa Digital Wealth (Capital) Limited, which is regulated by the Financial Services Regulatory Authority in the Abu Dhabi Global Market. This offering is not regulated by the Dubai Financial Services Authority, Sarwa says.
Sarwa is not a bank, but it unlocks high-yield accounts through its banking partners, it adds.
Sarwa Save has driven monthly deposits to grow by 2.5 times in three months, the company said in a recent statement.
Shivam Devani, a senior analyst at Johnson & Johnson, prefers the Sarwa Save account to other savings accounts with traditional banks because of the higher interest rate.
“Having been a working professional in Dubai for seven years, I have yet to see a beneficial interest this high, ultimately leading to my decision to save my money using this platform,” he says.
Watch: US Federal Reserve chief warns of 'pain' in reducing inflation
Similarly, UAE-based digital wealth manager StashAway raised the rate of return on its cash management portfolio to 4 per cent in February. Previously, StashAway offered 3.3 per cent on its StashAway Simple portfolio.
StashAway Simple is a high-yield cash management portfolio that has no minimum deposit, no lock-in periods and no withdrawal or management fees.
It allocates 100 per cent of its assets to the Sharia-compliant Emirates NBD Islamic Money Market Fund, which is denominated in dirhams.
“Rapidly rising interest rates have battered global markets. But in the case of cash management portfolios like Simple, it’s been a good thing,” Joseph El Am, general manager StashAway Mena, says.
“That’s because the very short duration of our underlying fund means maturing instruments can be regularly rolled over to take advantage of increasing yields. Simply put, rising rates allow us to increase our projected returns.”
The product is designed to keep excess cash or emergency funds in a money-generating product, instead of keeping it in savings accounts, where rates are around 0.5 per cent to 0.8 per cent per annum, Mr El Am says.
With inflation likely to remain elevated, leaving idle cash in a bank’s savings account means that it is depreciating in value each day. Cash management solutions or high-interest savings accounts offer an attractive option for customers to earn more on their savings in an uncertain economic environment, he adds.
Deposits in StashAway Simple have risen by 300 per cent since the company increased its rate.
Jonathan Reilly, senior territory manager at tech company Dynatrace, aims to accumulate cash for a property investment in the next 12 months.
However, he was disappointed at the interest rate on savings accounts offered by the global bank where he holds most of his investments.
“It was around 2 per cent if I was prepared to tie my money away for a period of time, which is six to 12 months,” the British national says.
“This was not the approach I wanted and having access to the cash was also important. I researched the market and StashAway Simple came up on top versus other providers.”
The product allows Mr Reilly to have instant access to his cash without any penalties and offers the flexibility to save regular amounts or add money on an ad hoc basis.
The interest is calculated daily, poses very small risk and the increased savings rate is passed directly to the customer when banking base rates increase, Mr Reilly says.
Saxo Bank has also introduced a new interest rate model that allows customers to earn interest income on their uninvested cash with no lock-in period or upper limit on the amount paid.
With a competitive interest rate up to 4.06 per cent, clients of the Danish investment bank will now see their deposit interest rate increase to reflect when the UAE Central Bank raises interest rates.
The average yield on saving accounts in the UAE banks is around 0.8 per cent as it stands today
Mark Chahwan,
Sarwa's co-founder and chief executive
The funds will remain available to withdraw or invest, while earning interest on a daily basis.
Meanwhile, Emirates NBD says it offers a variety of savings products focused on customer needs, providing easy and convenient ways to access money and earn interest while meeting daily requirements.
The bank offers a “safe and reliable way to grow savings” for customers through a host of options such as Smart Saver, Plus Saver and Tiered Saving products, while prioritising their family, children or currency transaction coverage and benefiting from differential rates, the lender adds.
“In line with competition and basis market liquidity positions, the bank offers competitive interest rates and these currently range from 0.2 per cent to 4 per cent per annum across various savings variants, including fixed term, and are reviewed periodically,” according to Emirates NBD.
“These savings products are bundled with a mix of features involving transaction banking solutions, international fund transfers at competitive rates and instant payment capabilities in accordance with customer liquidity preferences. These features help to achieve financial goals such as meeting short-term expenses or planning for long-term future and support to build wealth.”
Abu Dhabi Islamic Bank, Mashreq and HSBC declined to comment for this story.
ENBD also rewards its customers for growing their savings by offering them non-financial benefits in the form of luxury rewards and cash prizes.
Last year, Emirates NBD rewarded three customers with limited edition Mercedes-AMG G63 UAE Golden Jubilee Edition cars and 54 customers with Breitling Aerospace watches, aimed at encouraging saving habits among customers.
The promotion offered dedicated prizes to customers when they increased their account balances or opened a new bank account.
The specs
Engine: 6.2-litre V8
Power: 502hp at 7,600rpm
Torque: 637Nm at 5,150rpm
Transmission: 8-speed dual-clutch auto
Price: from Dh317,671
On sale: now
Milestones on the road to union
1970
October 26: Bahrain withdraws from a proposal to create a federation of nine with the seven Trucial States and Qatar.
December: Ahmed Al Suwaidi visits New York to discuss potential UN membership.
1971
March 1: Alex Douglas Hume, Conservative foreign secretary confirms that Britain will leave the Gulf and “strongly supports” the creation of a Union of Arab Emirates.
July 12: Historic meeting at which Sheikh Zayed and Sheikh Rashid make a binding agreement to create what will become the UAE.
July 18: It is announced that the UAE will be formed from six emirates, with a proposed constitution signed. RAK is not yet part of the agreement.
August 6: The fifth anniversary of Sheikh Zayed becoming Ruler of Abu Dhabi, with official celebrations deferred until later in the year.
August 15: Bahrain becomes independent.
September 3: Qatar becomes independent.
November 23-25: Meeting with Sheikh Zayed and Sheikh Rashid and senior British officials to fix December 2 as date of creation of the UAE.
November 29: At 5.30pm Iranian forces seize the Greater and Lesser Tunbs by force.
November 30: Despite a power sharing agreement, Tehran takes full control of Abu Musa.
November 31: UK officials visit all six participating Emirates to formally end the Trucial States treaties
December 2: 11am, Dubai. New Supreme Council formally elects Sheikh Zayed as President. Treaty of Friendship signed with the UK. 11.30am. Flag raising ceremony at Union House and Al Manhal Palace in Abu Dhabi witnessed by Sheikh Khalifa, then Crown Prince of Abu Dhabi.
December 6: Arab League formally admits the UAE. The first British Ambassador presents his credentials to Sheikh Zayed.
December 9: UAE joins the United Nations.
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Explainer: Tanween Design Programme
Non-profit arts studio Tashkeel launched this annual initiative with the intention of supporting budding designers in the UAE. This year, three talents were chosen from hundreds of applicants to be a part of the sixth creative development programme. These are architect Abdulla Al Mulla, interior designer Lana El Samman and graphic designer Yara Habib.
The trio have been guided by experts from the industry over the course of nine months, as they developed their own products that merge their unique styles with traditional elements of Emirati design. This includes laboratory sessions, experimental and collaborative practice, investigation of new business models and evaluation.
It is led by British contemporary design project specialist Helen Voce and mentor Kevin Badni, and offers participants access to experts from across the world, including the likes of UK designer Gareth Neal and multidisciplinary designer and entrepreneur, Sheikh Salem Al Qassimi.
The final pieces are being revealed in a worldwide limited-edition release on the first day of Downtown Designs at Dubai Design Week 2019. Tashkeel will be at stand E31 at the exhibition.
Lisa Ball-Lechgar, deputy director of Tashkeel, said: “The diversity and calibre of the applicants this year … is reflective of the dynamic change that the UAE art and design industry is witnessing, with young creators resolute in making their bold design ideas a reality.”
Groom and Two Brides
Director: Elie Semaan
Starring: Abdullah Boushehri, Laila Abdallah, Lulwa Almulla
Rating: 3/5
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HEADLINE HERE
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Zimbabwe v UAE, ODI series
All matches at the Harare Sports Club:
1st ODI, Wednesday, April 10
2nd ODI, Friday, April 12
3rd ODI, Sunday, April 14
4th ODI, Tuesday, April 16
UAE squad: Mohammed Naveed (captain), Rohan Mustafa, Ashfaq Ahmed, Shaiman Anwar, Mohammed Usman, CP Rizwan, Chirag Suri, Mohammed Boota, Ghulam Shabber, Sultan Ahmed, Imran Haider, Amir Hayat, Zahoor Khan, Qadeer Ahmed
Dubai Rugby Sevens
November 30-December 2, at The Sevens, Dubai
Gulf Under 19
Pool A – Abu Dhabi Harlequins, Jumeirah College Tigers, Dubai English Speaking School 1, Gems World Academy
Pool B – British School Al Khubairat, Bahrain Colts, Jumeirah College Lions, Dubai English Speaking School 2
Pool C - Dubai College A, Dubai Sharks, Jumeirah English Speaking School, Al Yasmina
Pool D – Dubai Exiles, Dubai Hurricanes, Al Ain Amblers, Deira International School
Avatar: Fire and Ash
Director: James Cameron
Starring: Sam Worthington, Sigourney Weaver, Zoe Saldana
Rating: 4.5/5
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Traits of Chinese zodiac animals
Tiger:independent, successful, volatile
Rat:witty, creative, charming
Ox:diligent, perseverent, conservative
Rabbit:gracious, considerate, sensitive
Dragon:prosperous, brave, rash
Snake:calm, thoughtful, stubborn
Horse:faithful, energetic, carefree
Sheep:easy-going, peacemaker, curious
Monkey:family-orientated, clever, playful
Rooster:honest, confident, pompous
Dog:loyal, kind, perfectionist
Boar:loving, tolerant, indulgent
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Global state-owned investor ranking by size
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1.
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United States
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2.
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China
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3.
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UAE
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4.
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Japan
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5
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Norway
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6.
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Canada
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7.
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Singapore
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8.
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Australia
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9.
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Saudi Arabia
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10.
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South Korea
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match info
Manchester United 3 (Martial 7', 44', 74')
Sheffield United 0
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Pharaoh's curse
British aristocrat Lord Carnarvon, who funded the expedition to find the Tutankhamun tomb, died in a Cairo hotel four months after the crypt was opened.
He had been in poor health for many years after a car crash, and a mosquito bite made worse by a shaving cut led to blood poisoning and pneumonia.
Reports at the time said Lord Carnarvon suffered from “pain as the inflammation affected the nasal passages and eyes”.
Decades later, scientists contended he had died of aspergillosis after inhaling spores of the fungus aspergillus in the tomb, which can lie dormant for months. The fact several others who entered were also found dead withiin a short time led to the myth of the curse.
WHAT IS A BLACK HOLE?
1. Black holes are objects whose gravity is so strong not even light can escape their pull
2. They can be created when massive stars collapse under their own weight
3. Large black holes can also be formed when smaller ones collide and merge
4. The biggest black holes lurk at the centre of many galaxies, including our own
5. Astronomers believe that when the universe was very young, black holes affected how galaxies formed
Pox that threatens the Middle East's native species
Camelpox
Caused by a virus related to the one that causes human smallpox, camelpox typically causes fever, swelling of lymph nodes and skin lesions in camels aged over three, but the animal usually recovers after a month or so. Younger animals may develop a more acute form that causes internal lesions and diarrhoea, and is often fatal, especially when secondary infections result. It is found across the Middle East as well as in parts of Asia, Africa, Russia and India.
Falconpox
Falconpox can cause a variety of types of lesions, which can affect, for example, the eyelids, feet and the areas above and below the beak. It is a problem among captive falcons and is one of many types of avian pox or avipox diseases that together affect dozens of bird species across the world. Among the other forms are pigeonpox, turkeypox, starlingpox and canarypox. Avipox viruses are spread by mosquitoes and direct bird-to-bird contact.
Houbarapox
Houbarapox is, like falconpox, one of the many forms of avipox diseases. It exists in various forms, with a type that causes skin lesions being least likely to result in death. Other forms cause more severe lesions, including internal lesions, and are more likely to kill the bird, often because secondary infections develop. This summer the CVRL reported an outbreak of pox in houbaras after rains in spring led to an increase in mosquito numbers.
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MATCH INFO
Uefa Champions League, semi-final result:
Liverpool 4-0 Barcelona
Liverpool win 4-3 on aggregate
Champions Legaue final: June 1, Madrid
