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Russia-Ukraine Conflict: Read this article to know how UAE is going to serve as a Friendly Neighborhood for Investors.
The United Arab Emirates has always been a favorable investment destination for HNIs and UHNIs in Russia. However, with the heavy sanctions put in by the western and European markets, it’s even more appealing since the UAE is one of the few countries that have still not imposed any sanctions on the Russian market.
5 key wealth preservation strategies you must know during these economic crises. Follow these tips on how you can protect your wealth.
As we progress in our financial journeys, we typically turn our attention to building wealth with the money we’ve started to accumulate. However, wealth preservation also becomes a critical component of financial planning and it should not be disregarded.
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Xanara's wealth management services assist clients in developing creative ideas and believing in the development of successful and resilient methods, making wealth management simple for you. Wealth advice services aid in the analysis and allocation of assets, as well as the provision of comprehensive services, regulatory problems, and evaluation.
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Our family office management services are designed to help you achieve your financial objectives and plan for the future. Our multi-family office consultancy services are backed by specialists and designed to meet your unique requirements. Xanaradvisors offers family wealth management solutions that are long-lasting, transparent, and cost-effective.
Russia-Ukraine Conflict: Will UAE Serve as a Friendly Neighborhood for Investors?
The ongoing crisis between Russia and Ukraine on top of Covid-19 fears have put a significant strain on the economy. Although the scale and scope of the crisis is an unknown variable the western and European nations have imposed sanctions on Russia’s economy. These sanctions can heavily hinder economic activity in Russia.
However, it might not substantially derail the global economic growth. That being said, the impact that Russia has on the commodity markets is undeniable, especially the oil market. For instance, the country has a significant influence on the oil market and if there are any curbs in the supply of oil and gas from the country, it could lead to inflation or at least inflationary pressure around the world.
The rise in oil prices will also have an impact on the bond and currency markets while also seeping into the equity market and translate to higher input costs for companies.
UAE & Russia: A History of Investment
The United Arab Emirates has always been a favorable investment destination for HNIs and UHNIs in Russia. However, with the heavy sanctions put in by the western and European markets, it’s even more appealing since the UAE is one of the few countries that have still not imposed any sanctions on the Russian market.
Ever since the conflict started, there has been a continuous flow of Russian money into the UAE, either through cash transfers or via crypto wallets. It has accelerated even more in the last two weeks as tensions between the two counties rose.
Russia’s invasion of Ukraine has ruffled the world and the UAE cannot avoid its impact now. The pressures from around the world have put pressure on the UAE leaders to pick a side after having been neutral for a decade when it comes to tensions between the western world and Russia. Although most of the UAE leaders have publicly condemned Russia’s invasion of Ukraine, no punitive measures have been taken by them against Moscow.
This is reason enough for Russian HNIs and UHNIs to believe that the UAE still has some consideration for the investments from Russia. In addition to the varied economic expectations that they have, like energy and wheat imports along with revenues from oil, the UAE also understands the heavy geopolitical implications of this conflict on the region. There could be a reshuffling of alliances and more importantly, re-charting of gas pipeline routes.
Read the full article here: https://www.xanaradvisors.com/russia-ukraine-conflict/
Succession Planning: A Much Needed Discipline in Asia & Africa
Asian and African families have built substantial wealth in the last few years. They are now ready for a smooth transition of power to the next generation of key leaders. The movement to the new roles, however, will need some assistance to ensure that the initiation, selection, and education of the next-generation leaders is appropriate and well-defined.
That’s where a family office can help.
Although these affluent families often encourage the new generation to become a part of the family business, a few of the next-generation leaders tend to carve their own paths. Despite such divergence from the family business, there’s no reason to deny that such individuals are still an important part of the family, entitling them to at least some of the family’s accumulated wealth.
According to a June forecast by the Boston Consulting Group, Asian wealth is expected to increase by 5.1-7.4% yearly, between 2019-2024, depending on how the pandemic pans out. That’s way ahead of the predicted global outlook which is expected to increase by 1.4-4.5%.
Despite an upward trend, only 15-20% of the region’s wealth is under format management, according to a study conducted by Mckinsey. The idea of wealth management is still very new to Asia and Africa.
How Xanara makes Succession Planning Smooth?
At Xanara, we understand how important succession planning is to your family and your business. We act as your family office to set up proper processes for monitoring portfolios and diversifying wealth into different asset classes, streamlining the continuity of the business.
We stand by our clients to ensure that the succession planning is highly effective and beneficial to both the family and the business.
Private banks don’t offer that luxury. Many times, a family establishes a relationship with a bank through a relationship manager, and when he/she leaves the bank, the family is left with a choice to make – whether to move banks with the relationship manager or keep their relationship with the existing bank with a new relationship manager.
With Xanara, you receive undivided attention to detail with a dedicated team of advisors that work together with your best interests at heart. We facilitate a disciplined approach to manage closely held businesses, ensuring the succession to the next generation leaders is smooth.
We put emphasis on educating our clients in making a more structured foundation for their wealth – a constitution that’s set out to write down the family’s aims, responsibilities of each member, and plans for education along with other endeavors or achievements of the future generations.
In addition to that, we help you identify nominee shareholders and trustees for your business to ensure the key positions and roles are never vacant, allowing you to make the transition of power to the most appropriate individuals in time. We believe that it is never too early for the next generation to become familiar and engage with the family business.
Read more about the blogs: https://www.xanaradvisors.com/succession-planning-a-much-needed-discipline-in-asia-africa/
Family Office Trends in 2022: 7 Things to Know
The ever-changing global and interconnected paradigm has created new challenges and opportunities for preserving wealth. The need for personalized financial wealth services is even more acute in years succeeding, especially in Inter-generational wealth services that provide an opportunity for the next generation to preserve and upturn the consolidated wealth.
A prototypical family office overcomes short-term and long-term regulatory challenges such as implications of new regulations, operational challenges, and technological issues. A specialized family office validates the procession for succession and boosts wealth generation.
Over the past 22 months, the world’s financial behavior has completely revolutionized and evolved due to widespread public awareness as well as the global pandemic.
7 Key Findings in Family Office Trends that will shape the Future of the Industry
Here are 7 key findings in family office trends that will shape the future of the industry:
1. Global Marketplace
Covid-19 pandemic and the subsequent variants – delta and omicron spread a widespread panic among people. Global businesses on the other hand have had to adapt and rethink mechanisms from product delivery to brand messaging and even the internal community work and engagement. As the global marketplace map is a direct outcome of people’s perceptions, driving growth in exemplary situations has conditioned businesses to wither. There will be a pressing need for more mature, effective, and successful financial strategies to enable growth.
2. ESG investing
The threat of climate change is looming on the planet and can not be ignored by institutions anymore. Family offices recognize opportunities in sustainability and the growing need for green investing. Aiding the global zero-net emission economy, business and wealth holders believe in environmental, social and governance metrics. Above all, environmental and social initiatives impel credibility and trust from people.
The future impact of ESG investing can be proved by the fact that 85% of limited partners polled by Private Equity International state that ESG has become a significant component of their decision-making process.
3. Artificial Intelligence
The fourth industrial revolution is paving the way for transformative changes in the way we live and radically disrupting almost every business sector. The digital revolution brought ashore opportunity for wealth creation. Family offices can benefit from technological advancement in terms of their use cases and investing. For instance, AI can be used to predict accurate trends and patterns in the market as well as fund revolutionary tech companies.
4. Preparing for Future Roles
The current scope of the family office lies in reaching people beyond the service. Throughout the lifecycle of the family business, identifying future roles and educating both family members and external professional management regarding these roles is essential. A family office takes on the role of educating the succession, making the intergenerational wealth transfer a smooth transition and also aids in the process of sustaining the generational wealth of people.
5. Succession Planning
Following on from the above point, succession planning in present scenarios is treated as a process rather than an event and executed in a manner where heirs can be prepared, educated, and trained for a smooth, smart transition.
6. Blockchain Technology
New-age digital technologies like NFTs and cryptocurrency have been a keen interest among investors. Especially for diversification in portfolios, cryptocurrency can become a non-traditional asset class choice among investors. A shift from traditional wealth like steel, real estate, oil, and fossil fuel to progressive wealth class has steadily descended over wealthy investors. Thus, benefiting from alternative structures to hold, manage, and enhance their wealth.
Read more about the blogs here: https://www.xanaradvisors.com/family-office-trends/
Russia-Ukraine Tensions – Adding further to Inflation worries?
Tensions between Russia and Ukraine are at their highest in years. These geopolitical issues between Russia and Ukraine have kept investors on the edge in the past few days. Let us see how these issues are likely to impact the stock market.
To start with we need to know “What is the Russia-Ukraine Issue”?
1991 – Ukraine became independent as USSR broke up. It was a part of the Russian empire for centuries before becoming the Soviet Republic.
2014 – Ukrainian President rejected an association agreement with the European Union in favor of closer ties with Moscow. This led to mass protests and Russia responded by annexing Ukraine’s Crimean Peninsula and throwing its weight behind a separatist insurgency that broke out in Ukraine’s East.
2015 – A peace agreement brokered by France and Germany helped to end large-scale battles but failed to reach a political settlement.
Current – Russia accused Ukraine of failing to honor the 2015 deal. Russia had troops deployed on the borders since 2021. The issue got escalated with Putin ordering troops into two pro-Russian, breakaway regions in Eastern Ukraine on the 21st of this month. In response, U.S. and allies announced sanctions on Russia. On Thursday Russia launched a military offensive against Ukraine. Ukrainian capital Kyiv and other cities were hit by airstrikes and Russian troops crossed the borders in several parts of the country.
How it may impact inflation?
Russia is a major exporter of crude oil, accounting for about 12% of the world’s supply. U.S. imports approximately 7% of its daily crude and other petroleum products from Russia.
On the other hand, Russia along with U.S. and Qatar form 70% of LPG received to Europe in 2021.
In addition to energy, Russia is also the world’s top exporter of wheat, as well as a large producer of commodities, such as copper, nickel and platinum – all used in electric vehicles and electronics manufacturing.
Along with the supply chain issues which has already grappled the economy, a supply shock from the war will add fuel to the fire, meaning it will add to the already existing inflation in the U.S.
Read more about the blog here: https://www.xanaradvisors.com/russia-ukraine-tensions-adding-further-to-inflation-worries/
UAE Corporate Tax: Everything You Need To Know
In a first, The United Arab Emirates (UAE) on Monday 31st January 2021 announced it would introduce a federal corporate tax on business profits, with effect from June 1, 2023. The federal corporate tax, however, kept the rate at a low 9 percent, to maintain its attractiveness for businesses.
UAE has always enjoyed much of a tax-free regime with revenue sources from oil sales to other countries, tourism, and other hydrocarbons.
List of things to know about UAE Corporate Tax
This move is stated to be the first in a series of activities the UAE is taking up to diversify its income portfolio from concentrating on a specific industry.
Applicability of UAE CT Law
The new laws will apply to all individuals or companies having a commercial license to conduct any activity from which income is earned except for the extraction of natural resources, which will remain under Emirate corporate taxation.
Applicable on the income earned from activities carried out under a freelance license or permit.
Dividend and capital gains earned by commercial businesses from their qualifying shareholdings and qualifying intra-group transactions and reorganizations shall be exempt provided necessary conditions are met.
Free zone businesses will be subject to UAE CT Law, but the UAE Corporate Tax regime will continue to honor the CT incentives
Read more about this blog: https://www.xanaradvisors.com/uae-corporate-tax/
Will Family Offices Lead ESG Investing in 2022 & Beyond?
The climate crisis has upturned the direction of investments that organizations take up. There has been a sharp growth in the incorporation of climate transition factors into investment decisions amid public sector initiatives to achieve the objectives of the Paris Agreement and the Sustainable Development Goals (SDGs).
Parallelly, Family Offices have increased allocations to climate-friendly strategies in anticipation of both higher returns and sustainable development.
A survey conducted by Campden Research states that 70% of families, foundations, and individuals see the transition to a global net-zero emissions economy as “the greatest commercial opportunity of our age” and nearly one-third (30%) of global wealth holders are targeting investments that directly support a transition to a low carbon economy.
What does ESG stand for?
At the core of its foundation, ESG investment is all about bringing positive changes in the society by being a better investor. The change that it brings to the table is determined through:
“E” which encompasses carbon emissions and climate change,
“S” or social components which include gender and diversity issues, human rights, and labor standards
“G” or governance refers to the standards for how a company is run such as board composition, bribery and corruption restrictions, executive compensation, or lobbying.
The ESG factors directly impact business outlook and are scored accordingly by third-party, independent companies and research groups to determine the companies’ environmental and societal responsibility scale. Research states that the market for environmental, social, and governance investment will make up more than a third of the $140 trillion in global assets by 2025, according to Bloomberg Intelligence.
Additionally, the pandemic became a growth enabler for ESG investing. From a social perspective, companies had the responsibility to bring safety and welfare to people in tough times. Also, even from an environmental direction, Covid-19 agitated real conversations on climate change from top management leaders to work towards strategies that enable future, sprouting considerations for Family Office investors for the years following.
Family Offices turned the opportunity to shift investment from traditional wealth assets to non-traditional wealth assets with ESG-focused fund management. Asset allocation is divided among traditional and non-traditional asset classes to manage risk and stability.
The environmental ‘E’ pillar score of ESG rating is being increasingly used to align investments with a low-carbon transition, and could, in principle, help unlock valuable forward-looking information on firms’ climate transition risks and opportunities.
Read more about this blog here: https://www.xanaradvisors.com/will-family-offices-lead-esg-investing/
In the year 2019, the UAE government introduced long-term visa plans that open up the economy and culture to immigrants and residents in more profound ways.
The UAE government started granting golden visas that allow visitors to stay for up to 5 years without the need of a national sponsor. It also allows people to live, work, and own properties within the country.
That’s not all, the visa will also automatically be renewed as it runs its course.
This is a revolutionary step for the economy of the UAE because it ensures a smooth flow of entrepreneurial and investment activities that add to the economic strength and its smooth conduct.
Different Types of Golden Visas
There are 2 types of Golden Visas:
1. 10-year Golden Visa
2. 5-year Golden Visa
Let’s look at how each of them benefits the investors.
1. 10-year Golden Visa
To apply for the 10-year Golden Visa, the investors applying must hold investments at least worth 10 million AED. This has to be a public investment like an investment fund or owning a business.
However, it also states that 60% of the total investment must be sourced from real estate and the amount cannot be loaned. Moreover, the investors should be able to claim complete ownership over these assets.
This visa can include:
The investor
A spouse
Children
‘One’ advisor
2. A 5-Year Visa
The conditions to apply for this visa remains more or less similar to the 10-year Golden Visa. The only difference is that the amount of investment required for this one is only 5 Million AED. It also allows foreign nationals to apply for permanent residency with no additional taxes.
Why does the Golden Visa attract Investors?
To begin with, Golden Visa holders are not required to pay taxes for their income.
This also gives them complete and indiscriminate access to the economic activities of the UAE, they are allowed to hold jobs, enroll in colleges, invest in the business, and own properties without having to compensate for their immigrant status in any way.
On top of that, it also allows the visa holders to gain access to health services and insurance with world-class quality,
It also grants them permission to apply for a UAE driving license.
This provision is specially designed to make room for the applicants that are deserving of a position in an economically developed country like the UAE. Furthermore, it is granted to people who can contribute to the growing economy rather than just working for themselves.
Read More: https://www.xanaradvisors.com/uae-golden-visa-opens-opportunities-for-investors/
Asian and African families have built substantial wealth in the last few years. They are now ready for a smooth transition of power to the next generation of key leaders. The movement to the new roles, however, will need some assistance to ensure that the initiation, selection, and education of the next-generation leaders is appropriate […]
Author: Harshita Bhonsle, Investment Analyst at Xanara A correction in S&P500, or even the thought of it striking in the near future, is bound to make investors panic. However, it’s essential to understand that corrections are a part of market dynamics and investors shouldn’t let panic take over. Instead, investors should prepare if there’s […]
The financial world is often recognized for inventing new definitions for old words, and then constantly referring to these new terms as if everyone should know what they mean.
Author: Drishti Dhakan, Investment Analyst at Xanara
The financial world is often recognized for inventing new definitions for old words, and then constantly referring to these new terms as if everyone should know what they mean.
One such recent terminology is “tapering”.
The “tapering” terminology entered the financial vocabulary on May 22, 2013, when U.S. Federal Reserve Chairman Ben Bernanke declared in his statement before Congress that the Fed may taper, or reduce, the size of its bond-buying program known as quantitative easing (QE).
Circa the great financial crisis, central banks had been printing money to purchase assets such as government bonds. This is known as “quantitative easing”, or QE. One of the objectives of QE is to reduce the cost of borrowing across the entire economy. The idea behind QE is that it helps the economy by reducing interest rates and making corporate borrowing and mortgages cheaper. By buying government debt and Mortgage-Backed Securities, the central bank reduces these instruments’ supply in the broader market. Investors who decide to hold these instruments need to raise their bids, pushing yields down. This makes it cheaper for those with debts to pay their interest bills but also makes it more attractive for companies to borrow money to invest in expanding their businesses. This in turn helps in boosting economic growth.
Another side effect of QE has been that it pushes asset prices higher, from equities to bonds to property prices. The investors are happy and consider this a good omen when central banks add more QE but are often taken aback when they reduce it.
The financial world is often recognized for inventing new definitions for old words, and then constantly referring to these new terms as if everyone should know what they mean.
Author: Drishti Dhakan, Investment Analyst at Xanara
The financial world is often recognized for inventing new definitions for old words, and then constantly referring to these new terms as if everyone should know what they mean.
One such recent terminology is “tapering”.
The “tapering” terminology entered the financial vocabulary on May 22, 2013, when U.S. Federal Reserve Chairman Ben Bernanke declared in his statement before Congress that the Fed may taper, or reduce, the size of its bond-buying program known as quantitative easing (QE).
Circa the great financial crisis, central banks had been printing money to purchase assets such as government bonds. This is known as “quantitative easing”, or QE. One of the objectives of QE is to reduce the cost of borrowing across the entire economy. The idea behind QE is that it helps the economy by reducing interest rates and making corporate borrowing and mortgages cheaper. By buying government debt and Mortgage-Backed Securities, the central bank reduces these instruments’ supply in the broader market. Investors who decide to hold these instruments need to raise their bids, pushing yields down. This makes it cheaper for those with debts to pay their interest bills but also make it more attractive for companies to borrow money to invest in expanding their businesses. This in turn helps in boosting economic growth.
Author: Shibu Mathew, Director at Xanara UAE is celebrating 50 years of its existence with the ongoing “Year of the 50th” with celebrations spread out across the 12 months, including Dubai Expo 2020 that kickstarts today. All of this is leading up to the UAE national day on December 2, 2021. The UAE was brought […]
Xanara is an emerging player in the Global Multi Family office and Boutique advisory.