DHF Capital joins hands with Angel Investors Network

DHF Capital, a Luxembourg-based securitization company with an expanding footprint and offices in the UAE, and Angel Investors Network (AIN), a US-based platform for investors to find new investment opportunities, have joined forces; DHF Capital’s renowned fund management organization, DHF Asset Management, will allow AIN’s investor audience to diversify their portfolios and hedge against current market volatility.

Bas Kooijman, CEO and Asset Manager of DHF Capital , commented: “Since inception, we have built a proven track record by providing an annual average ROI of 20% to investors. This has helped accelerate our growth with expansion from Europe to the Middle East, and now, America. With global inflation rising, our newfound collaboration will help to educate the masses about how they can achieve investing success to alleviate these concerns.”

Jeff Barnes, Chairman and Chief Executive Officer of AIN, added: “I’m delighted to introduce DHF Asset Management to our investor audience as an opportunity to diversify their portfolio and hedge against current market volatility.”

DHF Capital’s partnership facilitates the prospect of a broader expansion in US markets, as the firm’s automatic portfolio rebalancing capabilities will be provided on a larger scale to help a new group of investors diversify their portfolios and mitigate their risk. In line with this milestone, Bas is garnering global attention as he was recently accepted into the Forbes Business Council, the foremost growth and networking organisation for successful business owners and leaders worldwide.

Source: https://mystartupworld.com/dhf-capital-joins-hands-with-angel-investors-network/ 


As inflation rates rise, a global recession looms and the chatter around cryptocurrencies replacing fiat money persists, the importance of financial literacy has never been more evident.

Some argue that personal finance not being taught in school curriculums is a general failure of the education system to identify the most relevant skills that pupils and students should possess.

Others claim that it is a parent’s responsibility to ensure their children are financially literate. Irrespective of which of these sides is correct, the fact remains that, as adults, we are all responsible for managing our finances.

Yet, global data shows that only 35 percent of men and 30 percent of women are financially literate, according to Standard & Poor’s Global Financial Literacy Survey.

If you are not a part of the 33 percent of adults worldwide who have sufficient financial education, here are some things you can do to be better informed so that you can pay off pending debts and save for retirement.


## Diversify your assets
Diversifying your portfolio to encompass various asset classes can reduce your financial risk.

This can include investing in stocks, bonds, cryptocurrencies, property and other assets to ensure no single one can bankrupt you.

Although rising inflation rates are out of your control, you can still take advantage of them by hedging your investments in financial assets that prosper during such times.

Consider banks, for example. They provide loans and collect interest on them. With inflation causing higher interest rates, lenders generate higher profits from their loans.

Similarly, you can invest in assets such as gold and real estate, which have been traditionally preferred as good hedges against inflation.



Some investors even prefer investing in stocks with the hope of offsetting inflation in the long term.

As Warren Buffett says: “Diversification is protection against ignorance.”

## Pay off your debts
Whether it is a student loan or a mortgage, make sure you pay off your debt as soon as possible.

Global debt — borrowing by governments, businesses and people — is at dangerously high levels.

In 2020, global debt was at $226 trillion, according to the International Monetary Fund. But it reached a record $303 trillion in 2021 to reflect the biggest one-year debt surge since the Second World War, the Institute of International Finance said.


Covid-19 contributed to this significant increase as it caused high spending on measures to protect jobs, lives and livelihoods.

Furthermore, global turmoil is adding risks to unprecedented levels of public borrowing and the current debt wave is the world’s fourth since 1970, according to the World Economic Forum.

Watch: What is a recession?
High levels of debt can force households to cut some areas of spending, such as food or fuel. While it is never pleasant to have to dial back your budget, it is essential to secure your financial future.

By focusing more on saving, you will be able to rid yourself of any pending debts, build an emergency fund, avoid reliance on credit if your car breaks down or home appliances need to be replaced, and save for retirement.

## Save for retirement
Even affluent people worry about retirement.


A 2021 survey by Natixis of people with at least $100,000 in investable assets found that 42 per cent worry that retirement won’t be an option for them.

This was a clear sentiment across the 24 countries in Asia, Europe, Latin America and North America that were included in the survey group.

Moreover, 62 percent of those polled, despite being part of a group in which more than half rate their investment knowledge as strong, said they need professional advice selecting investments in their retirement plans.

With the wealthiest investors seeking financial advice, enhancing your knowledge in this space is crucial.

In today’s world, there are infinite resources and opportunities to do this, but it is vital to apply what you learn as theory is nothing without practice.

For instance, if you learn about commodity trading from YouTube channels, make sure you do it on a reputable platform.

If you still don’t feel comfortable, at least you are now better educated on the subject and can reach out to a wealth management platform to help you build your wealth, while having a better understanding of what’s going on every step of the way.

Globally, Denmark, Norway, Sweden, Canada, the UK, Germany, Australia and Finland have the highest financial literacy rates, which range between 63 percent and 71 percent, according to the S&P Global survey.

There is still a sizeable gap in global financial literacy rates that needs to be addressed and these tips are only a few of the many that can help us get there.

Even if you have not started or you are still behind, there is no better time than the present to get ahead.


As the Chinese proverb goes: “The best time to plant a tree was 20 years ago. The second best time is today.”

As published on [The National News](https://www.thenationalnews.com/weekend/2022/12/16/how-to-address-the-gap-in-global-financial-literacy-rates/?outputType=amp)

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How to address the gap in global financial literacy rates

The partnership between Angel Investors Network and DHF Asset Management S.A R.L. will educate more individuals on the importance of "appropriate" diversification in the current uncertain economic situation. 

DHF Asset Management S.A R.L., uses automated portfolio rebalancing to ensure its clients' portfolio diversification is always maintained, providing the most significant level of security and the least exposure to uncertain markets.

Jeff Barnes, CEO, Angel Investors Network, is a former US Navy nuclear trained submariner and scuba diver, Fortune 100 risk management specialist, two-time international best selling author, serial entrepreneur, investor, and fund manager. 

Bas Kooijman, CEO and Asset Manager of DHF Asset Management S.A R.L., co founded DHF in 2020 with the goal of making wealth creation more accessible and affordable for everyone.
Rowan Rozemond, Board Member and Secretary of DHF Asset Management S.A R.L., is an experienced investor, incubator and accelerator in the Venture Capital world with over 10 years of experiance in the business.

The partnership will educate more individuals on the importance of "appropriate" diversification in the current uncertain economic situation.

I'm delighted to introduce DHF Asset Management S.A R.L. to our investor audience as an opportunity to diversify their portfolio and hedge against current market volatility.” - Jeff Barnes, CEO of Angel Investors NetworkSEATTLE, WA, UNITED STATES, March 23, 2023/einpresswire.com / -- angel investors network (ain), a platform for investors to find new investment opportunities, is proud to announce a partnership with dhf asset management s.a r.l., a renowned fund management organization specializing in portfolio diversification and sophisticated portfolio management. 

Jeff Barnes, chairman and chief executive officer of AIN, comments, "I'm delighted to introduce DHF Asset Management S.A R.L. to our investor audience as an opportunity to diversify their portfolio and hedge against current market volatility."

This partnership between DHF and AIN will educate more individuals on the importance of "appropriate" diversification in the current uncertain economic situation. As bank failures have rendered classic "safe" investments such as savings accounts untrustworthy, the need for effective diversification techniques has never been greater.

Many are unaware of how powerful“automatic portfolio rebalancing” can be in conjunction with asset diversification. AIN's partner DHF Asset Management S.A R.L., uses automated portfolio rebalancing to ensure its clients' portfolio diversification is always maintained, providing the most significant level of security and the least exposure to uncertain markets.

DHF Asset Management S.A R.L. spokesperson Bas Kooijman, asset manager and CEO of DHF Capital, stated in a recent CNBC International interview:“It's important to be hedged across all the different asset classes.” He later commented,“By working with Angel Investors Network, we hope to bring this opportunity to more US investors and help them hedge properly against the volatility in the markets.”

Automated portfolio rebalancing is a game-changer for investors seeking minute-by-minute optimal diversification. Automatic rebalancing ensures that investments remain aligned with the desired risk levels and target allocations across various asset classes by continuously monitoring and modifying the distribution of assets within a portfolio. This dynamic strategy reduces the impact of future market swings and eliminates the need for manual intervention. Investors may rest comfortably knowing that their portfolios are regularly diversified, boosting the possibility for consistent returns while limiting the risks associated with market volatility. Automatic portfolio rebalancing offers investors peace of mind that their financial well-being is safe regardless of market conditions in a constantly shifting economic environment.

With economic uncertainty at an all-time high, investors seeking to ensure their financial future must diversify their portfolios more than ever. Most investors know of the benefits of diversifying investments across key asset classes such as equities, major currencies, bonds, commodities, and money markets.

visit angel investor network's site to read the complete article and obtain valuable insights on the significance of diversifying across five asset types. Visit or contact Angel Investors Network for more information about DHF Asset Management S.A R.L. and its portfolio management services.

Source: https://menafn.com/1105843874/DHF-Asset-Management-Retains-Angel-Investors-Network-To-Showcase-International-Investment-Fund 
https://kdvr.com/business/press-releases/ein-presswire/623717309/dhf-asset-management-retains-angel-investors-network-to-showcase-international-investment-fund/ 
https://www.einnews.com/pr_news/623717309/dhf-asset-management-retains-angel-investors-network-to-showcase-international-investment-fund 


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DHF Asset Management Retains Angel Investors Network To Showcase International Investment Fund

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DHF Capital joins hands with Angel Investors Network

Bas Kooijman’s admittance into the Forbes Council to further solidify DHF’s global presence

Dubai, UAE: DHF Capital S.A., a Luxembourg-based securitization company with an expanding footprint and offices in the UAE, and Angel Investors Network (AIN), a US-based platform for investors to find new investment opportunities, have joined forces; DHF Capital’s renowned fund management organization, DHF Asset Management S.A.R.L., will allow AIN’s investor audience to diversify their portfolios and hedge against current market volatility.

After launching in Europe in early 2020, DHF Capital entered the Middle East to accelerate its growth. With nearly 25% of the region’s wealth management clients looking to move their assets during the pandemic, DHF Capital set up shop in the UAE where 13% of residents rely on financial advisors. This trend continues increasing as Dubai’s population aims to alleviate concerns of the looming world recession, as well as rising inflation rates which spiked 5.2% in 2022 and are projected to climb an additional 3.6% this year.

Bas Kooijman, CEO and Asset Manager of DHF Capital S.A., commented: “Since inception, we have built a proven track record by providing an annual average ROI of 20% to investors. This has helped accelerate our growth with expansion from Europe to the Middle East, and now, America. With global inflation rising, our newfound collaboration will help to educate the masses about how they can achieve investing success to alleviate these concerns.”

Jeff Barnes, Chairman and Chief Executive Officer of AIN, added: "I'm delighted to introduce DHF Asset Management S.A R.L. to our investor audience as an opportunity to diversify their portfolio and hedge against current market volatility."

DHF Capital’s partnership facilitates the prospect of a broader expansion in US markets, as the firm’s automatic portfolio rebalancing capabilities will be provided on a larger scale to help a new group of investors diversify their portfolios and mitigate their risk. In line with this milestone, Bas is garnering global attention as he was recently accepted into the Forbes Business Council, the foremost growth and networking organisation for successful business owners and leaders worldwide.

Bas was vetted and selected by a review committee based on the depth and diversity of his experience. Criteria for acceptance include a track record of successfully impacting business growth metrics, as well as personal and professional achievements and honors. As a certified technical financier, Bas’ entrepreneurial accolades of building and selling multiple technology companies, as well as making wealth creation more accessible for countless individuals, resulted in his admittance to Forbes Council.

“We are honored to welcome Bas Kooijman into the community,” said Scott Gerber, Founder of Forbes Councils, the collective that includes the Forbes Business Council. “Our mission with Forbes Councils is to bring together proven leaders from every industry, creating a curated, social capital-driven network that helps every member grow professionally and make an even greater impact on the business world.” 

A bold voice in the industry, Bas publishes with one of the best-known business authorities in the world and speaks on financial topics as an industry expert. His book, “Trading and Investing”, has also been a tool for several investors to build their wealth. With Bas at the helm of DHF Capital, the firm has provided investors with an average yearly return on investment (ROI) of more than 20%; investors who have worked with him since the company’s inception have witnessed a 114% ROI, more than doubling their initial investment.

Source: https://www.zawya.com/en/press-release/companies-news/dhf-capital-partners-with-ain-to-expand-global-footprint-mc73ldh3 
https://www.zawya.com/ar/البيانات-الصحفية/بيانات-الشركات/دي-إتش-إف-كابيتال-تتعاون-مع-إينجل-إنفسترز-نتوورك-لتعزيز-حضورها-العالمي-f4uaxp77 
https://mid-east.info/dhf-capital-partners-with-ain-to-expand-global-footprint/ 
https://menafn.com/1106159006/DHF-Capital-Partners-with-AIN-to-Expand-Global-Footprint 
https://menafn.com/arabic/1106159005/دي-إتش-إف-كابيتال-تتعاون-مع-إينجل-إنفسترز-نتوورك-لتعزيز-حضورها-العالمي 


The world of business is constantly changing, with new entrepreneurs creating innovative solutions to challenge the status quo and push their industries forward. In 2023, there are a number of entrepreneurs who have made a significant impact on their respective industries, with their disruptive approaches to problem-solving. These entrepreneurs have used their talents and skills to revolutionize their sectors, and they are truly inspiring to watch. In this blog post, we’ll take a look at the top 20 entrepreneurs who are disrupting their industries in 2023.

Bas Kooijman is a forward-thinking financial asset manager whose mission is to make wealth creation more accessible and affordable for all. Today,

Bas Kooijman

Bas sits as the Chief Executive Officer of DHF Capital S.A., a securitisation firm for financial services that he co-founded in 2020.  Bas’ approachable personality allows each of his clients to access personalised services and first-class management. His book, Trading and Investing, which was published in October 2020, is an available resource that explains the similarities and differences of public trading, as well as the fundamentals of patience as both an investor and trader. Passionate about crunching numbers to produce profits or growth potential for others, he lives by the motto: “If you are too big for the small things, you will soon be too small for the big things”.

Source: https://disruptorsmagazine.com/top-20-entrepreneurs-disrupting-their-industries-in-2023/  


Top 20 Entrepreneurs Disrupting Their Industries In 2023

DHF Capital partners with AIN to expand global footprint

Open a high-yield savings account early to benefit from compounding interest and take out insurance cover

Money, Money, Money — Swedish pop group Abba were dreaming about it when they released their hit song in 1976.

Fast forward to October 2021 and the fantastic foursome had reportedly rung in a fortune of more than $1 billion.

If that is not the definition of securing your financial future, I am not sure what is.

Unfortunately, we can't all be billionaires. Of the approximately eight billion people walking the planet, only 3,331 have achieved this feat, according to Statista.

China leads the world with 1,133 billionaires and the most recent reports suggest that only 13 people in the UAE can stake such a claim.

With that said, Dubai also houses 200-plus centimillionaires (people with a net worth of more than $100 million) and around 68,000 millionaires, according to the Henley Global Citizens Report.

In Abba’s words: “... and still there never seems to be a single penny left for me — that’s too bad.”

But there is still plenty of money to go around; RankRed data shows that about $40 trillion is currently in circulation.

I think it is safe to say that you cannot secure all of it, but with a little bit of strategy and inspiration from the "Abba effect", you can get enough to solidify your family’s financial future.

Long-term horizon

Financial savviness is similar to a healthy diet. If you are trying to get in shape, it might be tempting to chow down on a burger and fries before washing it down with a milkshake, but it is not going to help you reach your long-term fitness goals.

You should opt for salads, water and tea while still enjoying a tasty treat from time to time — when you can afford to.

So, rather than thinking primarily about what’s best right now, your family will be better served if you think about what is best for them five, 10 or 15 years ahead.

For instance, if you are a new parent, or about to be one, you can open a high-yield savings account for your children and deposit increments of money that will compound over time.

With an initial deposit of $100, and then an additional $100 every month for 18 years at a 10 per cent annual percentage yield, your child will be able to start their adult life with a cushion of more than $55,000.

It will also set an example for them to do the same as they continue in life, and if they do this until they are 46, they will have more than $1 million in savings, according to consumer financial services company Bankrate.

Secure your life, secure their future

Last October, Zurich International Life polled 500 UAE-based respondents to understand how they would cope financially should they be diagnosed with a severe illness.

About eight in 10 were worried that becoming seriously ill would deplete their savings.
These concerns explain why more people have been opting for insurance coverage since the Covid-19 pandemic to protect themselves and their families from unseen risks.

Life insurance is an often overlooked component of financial security but two strong options are term life insurance and permanent life insurance.

The former offers coverage for a set amount of time, while the latter covers you for your entire life.
Depending on your situation and budget for premiums, select the best plan for you to add another layer of financial security if you pass away.

Seek financial assistance

Setting clear goals, budgeting to save, paying off debts and investing when possible are all strongly encouraged means of securing your family’s financial future.

However, if you choose to take on the responsibility of ensuring that the money you make and save is for the betterment of your family, it is important to view your finances objectively.

With 20 per cent of UAE residents saying they have less disposable income than a year ago, according to a recent YouGov survey, it could be helpful to seek guidance from a trusted financial adviser.

Since money is often an emotional subject, it is easy for your choices to become skewed based on what is most exciting, opportunistic or enjoyable at the moment.

These short-term decisions have long-term ripple effects that tend to produce less-than-ideal results.

Financial advisers can help you avoid these pitfalls by outlining a clear strategy that places you and your family on the right path.

By looking at your financial situation holistically, an adviser will take into account your goals and risk profile to devise a plan that is achievable for you.

The question is, do you want to be Abba in 1976 or 2021?

Source: https://www.thenationalnews.com/weekend/2023/04/28/how-the-abba-effect-can-help-secure-your-familys-finances/ 


There are many avenues to build wealth and various ways to pass it onto your children

The age-old question of “does money buy happiness” is still up for debate.

We all have different needs and there is no one-size-fits-all answer, but a recent six-month study by journal PNAS found that people who received cash transfers of $10,000 generally reported feeling happier than those who did not receive this payment.

In reality, for most of us, money is a limited resource but professional athletes such as LeBron James, billionaires such as Warren Buffett, and technology savants such as Elon Musk are among the few exceptions to whom this rule does not apply.

The wealth that such people have accumulated is so enormous that it goes beyond providing for their families and extends to future generations.

As parents, we all want the best for our children and the ability to transfer wealth to them is one way of achieving this.

This is because wealth grants one the freedom to live a life that is worry-free — from not being able to make rent, not having to work an unfulfilling job or being caught in the crossfire of unfortunate life circumstances; because the harsh truth is that we will not be on this planet forever and, at any given moment, anything can happen.

If something grave is to happen to me, I want to ensure that my son is positioned for success in the same way that I aim for his children, my sister’s family, and my wife’s family to be set up for such success.

While my parents had no choice but to work blue-collar jobs, where they had to worry about mortgage payments and other living expenses that didn’t allow them to save an abundance of money, I was privileged to have a different set of life circumstances that now allows me to look to build generational wealth for the betterment of my lineage.

With that said, there are many avenues to build generational wealth and there are also various ways to transfer it to your children.

Cash lump sums

This popular form of wealth transfer offers you the enjoyment of seeing your children, or even grandchildren being able to use your money.

Monthly, bi-annual, or yearly lump sums are some viable options if you are looking to make a cash gift. It is also a great way to provide younger members of the family with a solid financial cushion, but without giving them too much that they stop understanding the value of hard work.

Giving your child $10,000 a month for the rest of their life is better than giving them $10 million in one go as this will also help them to understand and appreciate the value of money.

By giving your loved ones lump sums of cash, you can help them cover important expenses such as tuition fees or even assist them in buying a home so that they can continue the cycle of passing on generational wealth.

Transferring properties and family offices

On the topic of property, there are many methods to transfer your property.

If your children can afford to buy your home, then selling it is a great way to downsize and use the proceeds of the sale to finance needs such as retirement.

You could also leave your property behind for your heirs to inherit via a revocable living trust.
This will let you name your children as successor trustees so that you can decide how you want the property to be handled after your death.

If you have several children and no one wants the property, the trust can sell it after you pass away and distribute the proceeds.

If one child wants the property and the other does not, equitable financial arrangements can be made to compensate the heir(s) who will not inherit the home.

Similarly, a family office can also be used to transfer wealth across generations, but it is a more comprehensive arrangement, with both immediate and long-term objectives.

A family office may be a trust, it may include one or more trusts, or it may not.

Simply put, it is a privately-held company or group of companies that are created solely to manage the wealth of a family or a group of families; the intent is to ensure that wealth is nurtured so that it can be transferred across generations.

Using insurance

Purchasing an insurance policy can protect your children by determining approximately how much money they will need for the rest of their life, and then adding a reasonable buffer.

People use life insurance for different needs but if you are using it to transfer wealth, you should view this money as if it does not even exist — until it is needed.

Another thing to keep in mind is that while insurance is excellent for the wealthy, it may not be the most ideal source of wealth transfer for the highly affluent — because when you are financially secure, that is your life insurance.

For example, if a high-net-worth individual applied for life insurance for their spouse, an expected payout could be approximately upwards of $100,000; in this situation, this amount may only cover their expenses for a few years and thus, they would be better off diversifying their portfolio to reap the benefits of the funds that are produced at a later date.

Consult wealth advisers

Accumulating, saving and delegating wealth can be an intimidating process.

However, professional and experienced wealth advisers and lawyers can ease this burden while diversifying your portfolio.

This will let you enjoy a certain lifestyle while also preparing for your golden years.

If you reach out to the right wealth adviser, a trust can be set up so that generational wealth, which typically only spans two to three generations, instead works for you for up to 200 years.

Source: https://www.thenationalnews.com/business/money/2023/02/28/how-to-transfer-wealth-to-the-next-generation/ 


How to transfer wealth to the next generation

How the 'Abba effect' can help secure your family's finances

The average adult literacy rate is only 38 percent in the UAE

Dubai, UAE: Bas Kooijman, CEO and Asset Manager of DHF Capital S.A. shares his insights on the importance of financial literacy in the UAE- which is at only 38% according to a recent article by Dr Kashif Saleem, Associate Professor Finance and Accounting University of Wollongong in Dubai. 

The United Arab Emirates (UAE) has become a hub for business and financial activities in recent years, attracting investors and entrepreneurs from all over the world. However, despite its flourishing economy, many people struggle with managing their finances effectively.

Adopting easy strategies can help ensure financial growth and stability for individuals and businesses alike in the UAE. The first step towards financial growth is setting realistic economic goals; This involves creating a budget and sticking to it, as well as determining a clear plan for saving and investing. A budget can help individuals and businesses monitor their income and expenses, identify areas for improvement, and make adjustments as necessary.

In addition to budgeting, it is important to invest wisely. This means understanding the risks and rewards of different investment options and choosing those that align with personal financial goals. The UAE offers a range of investment opportunities, including stocks, real estate, and cryptocurrencies, among other options. It is advisable to seek guidance from a financial expert or do thorough research before making any investment decisions.

Another key strategy is to focus on debt management. Credit cards and personal loans can be useful tools, but they can also lead to excessive debt if not used responsibly. To avoid this, individuals and businesses should limit their borrowing to what they can afford to pay back, prioritize paying off high-interest debts first, and negotiate for lower interest rates where possible.

Bas Kooijman, CEO and Asset Manager of DHF Capital S.A., commented:“Financial literacy is a crucial part of the growth and development of any country. UAE, specifically, is one of the countries that can benefit most from this, in large part because of its potential, as the economy is one of the fastest expanding in the world, and the second highest in GCC. It has already made great strides by increasing the financial literacy from what was 30.7% at the beginning of the year to now 38% which is a testament to the efforts and hardwork that our leaders and education systems are always looking to implement and improve on. We expect this to be an increasing trend over the next few years as the need to improve and keep prospering is always a goal for our country's leaders across all its sectors. By staying informed and updated on the financial landscape, individuals and businesses can make informed financial decisions and adjust their strategies as needed through various key factors, such as monitoring market trends, staying informed about tax laws, and keeping an eye on interest rates.”

Adopting easy strategies can go a long way towards ensuring financial growth and stability in the UAE. Setting realistic financial goals, investing wisely, managing debt, and staying informed are all crucial components of a successful financial plan. With a little effort and discipline, individuals and businesses can achieve their financial goals and thrive in the UAE's dynamic economy.

Source: https://menafn.com/1106118742/Bas-Kooijman-Shares-Insights-On-The-Importance-Of-Financial-Investments 
https://mid-east.info/bas-kooijman-shares-insights-on-the-importance-of-financial-investments/ 
https://al-press.com/ar/باس-كويمان-يشارك-تحليلاته-حول-أهمية-ال/ 
 


A reported 45% of UAE residents have not yet started saving for retirement

•	About 3.5 billion adults worldwide lack an understanding of basic financial concepts
•	Global data shows that only 35% of men and 30% are women are financially literate

Dubai, UAE – Bas Kooijman, CEO and Asset Manager of DHF Capital S.A., cites that the UAE’s financial literacy rate of 30.7%[1] will require further proactivity to catch up to leading nations; Denmark, Norway, Sweden, Canada, the United Kingdom, Germany, Australia, and Finland, boast financial literacy rates ranging between 63% and 71%[2].
Global data shows that 35% of men, and 30% of women, are financially literate[3]; this world average of 33% indicates deep disparity and calls for global concern. With inflation rates rising, a recession looming, and the possibility that cryptocurrencies may replace fiat money, the importance of improving financial education has never been more evident.
The UAE has accordingly taken actionable steps toward educating its population. In 2020, the country rolled out the Ghaya initiative to support UAE nationals and their ability to contribute to the nation’s economic growth. This program was announced shortly after a 2019 financial literacy survey found that 43% of UAE respondents 16 and 24 years old felt unready to manage their own money, and 53% said schools didn’t prepare them enough to manage their finances[4].

With 90% of the UAE’s population made up of expatriates, additional efforts which not only educate the country’s younger people but also its adults will serve to benefit greatly as even affluent individuals require assistance. In fact, a 2021 survey of individuals with at least $100,000 in investable assets found that 42% worry retirement won’t even be an option.

This concern of inadequate preparation for retirement was noted across the 24 countries in Asia, Europe, Latin America, and North America[5]. Moreover, 62% of the individuals surveyed said they needed professional advice selecting investments in their retirement plan, despite them being part of a group where more than half rated their investment knowledge as strong[6].

As it relates to the UAE, a survey by ‘Friends Provident International’ found that 45% of the country’s residents have not yet started saving for retirement, even though 44% of people expect to retire by 55, and 63% hope to do so before they turn 60. Furthermore, 40% of UAE residents will only start saving for retirement 10 years or less before they reach it[7].

Bas Kooijman, CEO and Asset Manager of DHF Capital S.A., commented: “With even the wealthiest investors seeking financial advice, this reflects the importance of enhancing one’s financial literacy. We are living in an unprecedented time where resources and information have never been more accessible, and even if you weren’t educated from a young age you can still start now. Understanding how to diversify your portfolio will allow you to mitigate your financial risk, pay off impending debts, and save up for a stress-free retirement. The UAE has made great strides in its 50-plus years of existence but even greater progress in the coming years will provide mutual benefit to both the country and its residents.”

Global debt is dangerously high; borrowing by governments, businesses and people was $226 trillion in 2020[8] but it reached a record $303 billion in 2021[9] to reflect the biggest one-year debt surge since World War II. COVID-19 and global turmoil have contributed to this spike[10] while the current debt wave is the world’s fourth since 1970[11]. Bas Kooijman is working amidst this to make wealth creation more affordable for all via his securitisation firm, DHF Capital.

[1]   https://www.thenationalnews.com/business/comment/2022/11/08/why-bridging-the-financial-literacy-gap-is-crucial-for-gen-z-investors/
[2]   https://blogs.illinois.edu/view/7550/558591870
[3]   https://gflec.org/initiatives/sp-global-finlit-survey/
[4]   https://www.arabianbusiness.com/opinion/our-nations-banks-and-financial-entities-must-step-up-to-the-challenge-of-financial-literacy
[5]   https://www.im.natixis.com/intl/resources/2021-global-retirement-index-full-report
[6]   https://www.im.natixis.com/intl/research/2021-global-retirement-index
[7]   https://www.thenationalnews.com/business/money/2022/04/13/uae-retirement-45-of-residents-have-not-started-saving/
[8]   https://www.imf.org/en/Blogs/Articles/2021/12/15/blog-global-debt-reaches-a-record-226-trillion
[9]    https://www.reuters.com/markets/europe/emerging-markets-drive-global-debt-record-303-trillion-iif-2022-02-23/
[10]  https://www.imf.org/en/Blogs/Articles/2022/04/11/blog041122-dangerous-global-debt-burden-requires-decisive-cooperation
[11]  https://www.weforum.org/agenda/2021/01/covid-global-debt-history-world-bank-imf/

Source: 
https://www.zawya.com/en/press-release/research-and-studies/33-of-the-world-is-financially-literate-the-uae-scores-307-fceuq47t#_ftn9 
https://menafn.com/1105469922/33-of-the-World-is-Financially-Literate-the-UAE-Scores-307 
https://menafn.com/arabic/1105469921/باس-كويمان-يؤكد-على-أهمية-تعزيز-الثقافة-المالية-للأفراد-في-ظل-توافرها-لدى-33-من-سكان-العالم-و307-من-سكان-الإمارات-العربية-المتحدة-فقط 
https://indexeconomic.com/?p=64079 
https://nabd.com/s/114403914-7fbf80/45-من-المقيمين-في-الإمارات-لم-يبدأوا-الادّخار-للتقاعد 
https://www.alkhaleej.ae/2023-01-24/45-من-المقيمين-في-الإمارات-لم-يبدأوا-الادخار-للتقاعد/أسواق-الإمارات/اقتصاد?utm_campaign=nabdapp.com&utm_medium=referral&utm_source=nabdapp.com&ocid=Nabd_App 
https://arabic.arabianbusiness.com/abnews/استطلاع-جديد-45-من-المقيمين-في-الإمارات 
http://uaenewsapp.com/1/Article/2065/229196696#.ZGTAHi8Rrw5 
https://www.mubasher.info/news/4066697/استبيان-45-من-المقيمين-بالإمارات-لا-يدخرون-للتقاعد/ 
https://www.klyoum.com/uae-news/ar/39-استبيان-45-من-المقيمين-بالإمارات-لا-يدخرون-للتقاعد.php 
https://alkhaleejonline.net/اقتصاد/دراسة-45-من-سكان-الإمارات-لا-يدخرون-أموالاً-للتقاعد 
https://uae71.com/posts/104004 


33% of the world is financially literate; the UAE scores 30.7%

Bas Kooijman Shares Insights On The Importance Of Financial Investments

Considering he started his first company at the age of 16, it’s little wonder that the young and dashing Bas Kooijman is the Co-Founder and present CEO of the prestigious DHF Capital SA, in just over a decade. An entrepreneur, trader, investor, coach, author and speaker, Bas is a promising young turk in the global financial world. 

Speaking about how starting young was a step in the right direction, he shares, “I started my first company in IT when I was 16, having done some paid work making websites the years prior. My IT firm supported SME companies in the Netherlands. I later switched to specialize in datacenter and cloud solutions which landed me very nice freelance clients before starting my telecom firm. First supporting SME companies with a great Digital Telecom Service, we eventually became a wholesale provider to IT and Telecom companies to help them stay ahead of the competition. This firm expanded to 35 countries and we were trading in 7 currencies before I sold the firm in 2015 and became a full time Currency Trader and Investor.”

Today, Bas is the CEO of DHF Capital SA in Luxembourg, a securitization firm for financial services. They also manage 3 hedge funds with strategies he’s developed over the last 8 years of trading. They have managed to have 36 months positive returns of 1-3% monthly profits and averaging 26% per year ROI for their investors. With the securitization part of the company, Bas can make products that fit the larger clients; with the funds, he can help everyone else grow their portfolio. 

“I want to help more customers at DHF Capital with their personal and corporate finance goals. We can create custom finance products by listening to their needs. I love this part as Asset Manager the most. Next to that, we want to make the DHF Alpha, Gamma and Forex funds well known to professional investors so that they can enjoy their money growing with our trading strategies, and become a top 100 financial firm worldwide,” he says.

With over 17 years of experience in IT, Telecom and International Business, Bas has created ‘The Infinity Tool’, a proprietary Tradingview trading tool. His other services include Coaching, Live Speaking Events, and Forex Training. 

Passionate about coaching, Bas has personally coached 100s of students from over 20 countries on how to be profitable in the Forex Markets. He has also trained many traders and people who want to become traders, yet, “I can teach everyone how to trade but I learned not everyone can become a trader. It’s a mental game that requires focus and patience and many people don’t hold this long enough. That’s why I saw I can help people by letting them invest in the right financial products that DHF is offering with professional traders that I got to know very closely over the years. This way I can help traders and investors improve their financial future.”

Just like any other good leader, Bas is a creator – he creates products, opportunities, jobs, and solutions for any problems on the way. “A follower cannot reasonably expect the compensation to which a leader is entitled, although many followers make the mistake of expecting such pay’, he quotes from the book Think and Grow Rich, adding, “Leadership is the next level and requires creation of new skills and hard work. Become an ‘Intelligent Follower’ first and turn yourself into an efficient leader over time.”

He also suggests goal-setting as a critical element for achievement. Big on setting goals for the week, month, year and every ‘round age’ like 30-35-40 and so on, Bas feels having a plan with goals keeps you on track even when you’re pushed off course all the time. Never one to give up, ‘You just can’t beat the person who won’t give up,’ is the life slogan he lives by. 

Reaching the goals you’ve set is probably the best feeling one can have, and Bas is fortunate to have experienced it innumerous times. Few of his achievements include: 

Certified Financial Technician (CFTe II) at IFTA – International Federation of Technical Analysts;

MSTA status at the Society of Technical Analysis in London;

Associate Member (ACSI) at the CISI – Chartered Institute for Securities & Investment;

Investment Advisor (EU Brokerage License) and Investment Information Provider (IIP) at the Baltic Financial Advisors Association (BFAA).  

A sailing, saxophone and golf enthusiast, he has also written the book ‘Trading and Investing’ so people can learn about the difference, as also how to trade as an investor with patience. The book is an easy read and helps traders in their first years with many tips and tricks. More info and where to buy the book on baskooijman.eu/book.

“A man for all seasons, we end by asking Bas what his biggest challenges are nowadays, to which he answers:”: “For me, the biggest challenge is to find the right sales professionals. Not many people want to do the legwork that is required to sell a financial product. You have to grow your network, build trust, work hard for many hours, and make sure you land some clients while expanding this network. Most sales people give up too early or delay their results at the start for not having some quick wins that keeps them afloat. However, hard work beats talent every time!”

As published on [passionvista](https://www.passionvista.com/bas-kooijman/)

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From Young Entrepreneur to Financial Icon

● The UAE is the fifth most stock-obsessed country; no other Gulf or Arab nation made the top five  
● 53% of UAE employees expect a raise and 82% plan to use annual bonuses to invest in their future  
● Financial advisors influence 13% of UAE residents’ investing decisions  

Dubai, UAE - 3 April 2023: Salaries in the UAE are expected to rise by an average of between 2% and 5% this year and 53% of the country’s workforce is expecting a raise. According to Bas Kooijman, CEO and Asset Manager of DHF Capital S.A., intelligently investing these extra earnings will prove useful not only amid the looming world recession but even well beyond it.  

Global data shows that investors are expecting to retire three years earlier than non-investors, and the actions of UAE residents demonstrate a solid understanding of this; at the onset of 2023, the country was ranked as the fifth most “stock-obsessed” in the world. Singapore, India, Canada, and the United States were the only other countries to rank higher, while no other Middle Eastern countries were able to crack the top ten. The study revealed that the UAE has the fourth-highest search levels for the term ‘swing trading’ and is the fifth country most interested in ‘day trading’.  

A recent survey also found that nearly 50% of UAE residents received bonuses last year, with 31% of these respondents raking in upwards of AED 20,000 and 5% earning over AED 50,000. At 82%, an overwhelming majority of these individuals plan to use their annual bonus as means of investing in their future. Property investment, retirement savings, debt payments, and child education were among the key priorities at 24%, 17.6%, 15% and 15%, respectively.  

Bas commented: “Today, there are more investment opportunities than ever before. The rise of the digital economy has made this possible with options ranging from virtual assets to forex. At the same time, traditional means of investing in the form of real estate, gold, stocks, and more are still viable avenues to consider. However, studies have found that nearly 40% of women and approximately 20% of men around the world aren’t investing. This can be attributed to a lack of understanding of where to start, but with the current state of the world, individuals must prioritize financial planning to build a future-proof foundation.”  

As of 2018, 57% of global investors perceived traditional financial advisors as ‘very valuable’. Today, recommendations by a financial advisor influence 13% of UAE residents’ investing decisions, but with younger generations becoming more financially savvy, this is poised to increase in the coming years. Industry studies estimate that professional financial advice can add between 1.5% and 4% to portfolio returns over the long term. Bas is making wealth creation more affordable for all via his securitisation firm, DHF Capital; with his guidance, the company has provided investors with an average yearly return on investment (ROI) of more than 20%, while investors who have worked with him since the company’s inception have witnessed a 114% ROI, more than doubling their initial investment. 

Source: https://menafn.com/1105932438/UAE-Residents-Financial-Knowledge-is-Expanding 
https://menafn.com/arabic/1105932437/باس-كويمان-يؤكد-تزايد-الوعي-المالي-لدى-سكان-دولة-الإمارات 
https://blog.uaetoday.com/uae-residents-financial-knowledge-is-expanding/ 
https://mid-east.info/uae-residents-financial-knowledge-is-expanding/ 
https://www.albayan.ae/economy/uae/2023-04-04-1.4642549 
https://www.mubasher.info/news/4101946/الإمارات-الخامسة-عالميا-في-الإقبال-على-الاستثمار-بالأسهم/?currentUserCountryCode=PH 
https://www.klyoum.com/uae-news/ar/41-الإمارات-الخامسة-عالميا-في-الإقبال-على-الاستثمار-بالأسهم.php 
https://ramallah.news/post/221011/الإمارات-الخامسة-عالميا-في-إقبال-السكان-على-الاستثمار-في-الأسهم 
https://www.nabdn.com/post/15981452/الإمارات-الخامسة-عالميا-في-إقبال-السكان-على-الاستثمار-في-الأ 
https://pressbee.news/details/6068851/الإمارات-الخامسة-عالميا-في-إقبال-السكان-على-الاستثمار-في-الأ 
https://www.alittihad.ae/news/الاقتصادي/4366234/الإمارات-الخامسة-عالميا-في-إقبال-السكان-على-الاستثمار-بالأسه 
http://uaenewsapp.com/1/Article/2069/231659280#.ZGTItC8Rrw5 
https://www.klyoum.com/uae-news/ar/96-الإمارات-الخامسة-عالميا-في-إقبال-السكان-على-الاستثمار-بالأسهم.php 


UAE Residents’ Financial Knowledge is Expanding

Experts explain how the new scheme works and offer advice on how UAE expats can secure their future and save enough for retirement

With living costs on the rise across the world, having another source of income — or 'second salary' — would be a big help for UAE residents' financial security.

Savings remain a major issue for many expatriates, studies have revealed, with a large portion of UAE residents admitting that they have no — or minimal — extra cash stashed away for rainy days. Retirement is a concern for most, with many expats just relying on their gratuities and end-of-service benefits, experts said.

UAE entities and financial institutions have been taking steps to raise awareness and bolster financial literacy among residents. Recently, National Bonds announced a ‘second salary’ scheme for nationals and expat workers in the country. Under this scheme, if people save Dh5,000 per month for 10 years, they could expect to receive Dh7,500 monthly for the subsequent 10 years. Similarly, if they save Dh5,000 per month for five years, but choose to redeem within a period of the next 3 years, they could take home a monthly amount of Dh10,020 for three years – more than double their monthly savings. Rupert J Connor, partner at Abacus Financial Consultants, said investing in income-generating assets — such as a rental property and a small business — or taking on a part-time job or side hustle are some of the options UAE residents have for second salary. “One must weigh up the initial costs when entering into such a plan to ensure that the investment will actually generate an income or not. For example, when buying an investment property, planning must be carried out in terms of deposit size, mortgage required and rising interest rates, etc. Alternate income streams help cover the cost of living, leaving more towards the end goal of an early or a comfortable retirement,” said Connor.

In addition, he said, peer-to-peer lending companies can often provide a consistent return but one should always educate themselves on the risks involved.

“There are also instruments called government bonds or fixed-income securities, which pay a coupon that might be suitable. Structured notes can also be set up to pay an income and can be suitable for the right investor when advised properly.”

Bas Kooijman, CEO of DHF Capital, said many employers in the UAE have clauses which stipulate that an employee cannot work for anyone else during their tenure with the company. However, various legal side hustles are still available for residents to capitalise on.

For instance, he said, people can sell their furniture, clothes and other items that they no longer use on websites like Facebook Marketplace and Dubizzle.

“You can even browse these pages to purchase items at convenient prices before flipping them to make a larger return on your investment.

Alternatively, you can take on freelance jobs using websites like Fiverr or part-time jobs that are offered by companies looking to promote their products in places such as shopping malls, supermarkets, and at events to earn between Dh3,000 and Dh15,000 a month – depending on the hours and the company you work for,” added Kooijman.

How much to invest every month?
DHF Capital said that the second salary plan introduced by National Bonds means the more money people save, the more money they can make for a secure and profitable income.

“Diversifying your portfolio with real estate investments, gold, digital currencies, stocks, bonds, forex, and so much more can help you yield a second salary at a later date in the short- or long-term future – based on how aggressively you save and how patient you are.”

Rupert J Connor said the advised amount to save towards retirement is anywhere between 5 and 20 per cent of income in the UK.

“But this does not leave much margin for investing into something to secure a second salary, especially given the current rise in living costs. In this instance, perhaps short-term savings can be generated by reducing their monthly retirement savings in order to carve out an opportunity. However, individuals should always be cautious, as not every investment property, speculative investment or side hustle is guaranteed to make a return,” said Connor.

Is gratuity enough for retirement?
Bas Kooijman said data showed that 45 per cent of the UAE residents have not yet started saving for retirement, even though 44 per cent of people expect to retire by 55, and 63 per cent hope to do so before they turn 60. Furthermore, 40 per cent of UAE residents will only start saving for retirement 10 years or less before they reach it.

“The recently introduced second salary plan could change this, but as it stands now, UAE residents can do a lot more to ensure that they are adequately prepared for their golden years.

“While gratuity is a useful aid for retirement, the amount of money that you will receive when leaving a company is largely predicated on the amount of time you spend there and the salary that you make. Additionally, if you are not disciplined enough to not touch the gratuity you receive – until you retire – then there is a high probability that it will dissipate before you have left the workforce.

“However, if you change jobs regularly, you could repeatedly use this gratuity to invest in assets that multiply your earnings so that you are better prepared for retirement when it comes,” he said.

Source: https://www.khaleejtimes.com/personal-finance/uae-how-residents-can-earn-second-salary-every-month 
https://uaetimes.ae/uae-how-residents-can-earn-a-second-salary-every-month-news/ 
 


UAE: How residents can earn ‘second salary' every month

Passion Vista always strives to present the virtuous careers of the most influential personalities whose long list of accomplishments has been a stepping stone for the rest. This time also, Passion Vista has successfully showcased such individuals whose alacrity, amelioration, and affability will be remembered for years to come. The “Global Icons 2022” issue is one of the most noteworthy editions that features the profiles of their professional journeys, highlighting the challenges they faced and the perseverance and passion that led them to their current positions of prominence.

Considering he started his first company at the age of 16, it’s little wonder that the young and dashing Bas Kooijman is the Co-Founder and present CEO of the prestigious DHF Capital SA, in just over a decade. An entrepreneur, trader, investor, coach, author and speaker, Bas is a promising young turk in the global financial world.

Speaking about how starting young was a step in the right direction, he shares, “I started my first company in IT when I was 16, having done some paid work making websites the years prior. My IT firm supported SME companies in the Netherlands. I later switched to specialize in data centre and cloud solutions which landed me very nice freelance clients before starting my telecom firm. First supporting SME companies with a great Digital Telecom Service, we eventually became a wholesale provider to IT and Telecom companies to help them stay ahead of the competition. This firm expanded to 35 countries and we were trading in 7 currencies before I sold the firm in 2015 and became a full-time Currency Trader and Investor.”

Today, Bas is the CEO of DHF Capital SA in Luxembourg, a securitization firm for financial services. They also manage 3 hedge funds with strategies he’s developed over the last 8 years of trading. They have managed to have 36 months positive returns of 1-3% monthly profits and averaging 26% per year ROI for their investors. With the securitization part of the company, Bas can make products that fit the larger clients; with the funds, he can help everyone else grow their portfolio.

“I want to help more customers at DHF Capital with their personal and corporate finance goals. We can create custom finance products by listening to their needs. I love this part as Asset Manager the most. Next to that, we want to make the DHF Alpha, Gamma and Forex funds well known to professional investors so that they can enjoy their money growing with our trading strategies, and become a top 100 financial firm worldwide,” he says.

With over 17 years of experience in IT, Telecom and International Business, Bas has created ‘The Infinity Tool’, a proprietary Tradingview trading tool. His other services include Coaching, Live Speaking Events, and Forex Training.

Passionate about coaching, Bas has personally coached 100s of students from over 20 countries on how to be profitable in the Forex Markets. He has also trained many traders and people who want to become traders, yet, “I can teach everyone how to trade but I learned not everyone can become a trader. It’s a mental game that requires focus and patience and many people don’t hold this long enough. That’s why I saw I can help people by letting them invest in the right financial products that DHF is offering with professional traders that I got to know very closely over the years.”

Just like any other good leader, Bas is a creator – he creates products, opportunities, jobs, and solutions for any problems on the way. “A follower cannot reasonably expect the compensation to which a leader is entitled, although many followers make the mistake of expecting such pay’, he quotes from the book Think and Grow Rich, adding, “Leadership is the next level and requires the creation of new skills and hard work. Become an ‘Intelligent Follower’ first and turn yourself into an efficient leader over time.” A sailing, saxophone and golf enthusiast, he has also written the book ‘Trading and Investing’ so people can learn about the difference, as also how to trade as an investor with patience. The book is an easy read and helps traders in their first years with many tips and tricks. 

Source: https://www.panasiabiz.com/54927/passion-vista-acknowledged-bas-kooijmans-brilliant-leadership-and-magnetic-personality/ 


Passion Vista Acknowledged Bas Kooijman’s Brilliant Leadership And Magnetic Personality

Experts do not not rule out the possibility of entities in the UAE’s tech sector having some exposure to SVB

The abrupt and unexpected collapse of Silicon Valley Bank (SVB) and Signature Bank in the US has sent shockwaves through global markets. However, its impact on the UAE is minimal, experts have said.

“Most businessmen in the region viewed it as lucrative business opportunity … Bankers are perceiving SVB’s collapse as an opportunity to bail out cash-strapped startups and tech entities. That being said, the immediate ripple effect of the news was felt in the UAE, too, as shares of banks traded lower,” said Vijay Valecha, chief investment officer at Century Financial. SVB Financial Group became the largest bank to fail since the 2008 financial crisis on Friday, roiling markets around the world. Valecha stressed that the UAE has developed several policies and initiatives to actively support the startup ecosystem within the country.

“The government has made funding and financial support accessible through (various) programmes … Most importantly, the government has created a business-friendly regulatory environment that offers exemptions and incentives to startups that may be struggling on account of exposure to lenders or compliance issues,” he said.

Safeguarding startups

The UAE also has a strong legal system to safeguard startups that have exposure to a lender gone bust, he added.

Valecha highlighted how the SVB catered to several startups and venture capital firms across the world, including the Mena region.

“It … provided educational resources and networking opportunities to help startups raise funding and access resources. Nonetheless, the startup ecosystem has evolved considerably in the UAE. These fledgling ventures are not only receiving support from lenders like SVB, but also from family-owned businesses and well-stablished corporations within the UAE. Mature founders with years of expertise are foraying into the startup field,” Valecha added.

The dollar effect

Bas Kooijman, CEO and asset manager of DHF Capital S.A., said since the UAE dirham is linked to the dollar, “anything significant that happens to the dollar will have an effect on the dirham”.

“When the market opened today (Monday), we saw a 0-0.4 per cent gap between the euro-dirham parity which meant, based on this news, we saw an immediate effect on the currency rates from a technical point of view.”

"This could have a downstream impact on technology companies. They may not be a direct client of SVB and the other banks that are currently in trouble, but they might have suppliers or people that they are working directly with Silicon Valley that may not be able to pay their bills," said Kooijman.

Checks and balances

Dhaval Jasani, founder and CEO, ZTI Global Consulting, said the UAE Central Bank has adequate checks and balances in place. Its monitoring tools ensure stability in the country’s financial sector, he added. He did not rule out the possibility of entities in the UAE’s tech sector having some exposure to SVB, “be it in the form of deposits or other products”.

Affected startups should look at appointing US-based lawyers to coordinate with the regulators and authorities concerned, he said.

“Dealing with banks and financial institutions away from the home ground may lead to complications, as is the case with SVB,” he added.

“As a precaution, entities should exercise caution (when) dealing with banks and financial institutions in foreign jurisdictions.”

Source: https://www.khaleejtimes.com/business/svb-signature-bank-collapse-will-it-affect-startups-in-the-uae 


The world has undergone four major recessions since the 1950s, the most recent of which was the longest economic downturn since the Second World War.

In the year following what is now infamously referred to as the Great Recession, economic activity declined in half of all countries around the globe and the after-effects included rising unemployment rates and a reduction in wages — even in some of the most advanced economies.

While official global growth in 2022 is recorded at 3.6 per cent and contradicts any sign of a decline that previous major recessions indicated, there is a 98.1 per cent chance of a world recession looming on the horizon, according to Ned Davis Research.

The recession model has only ever cited such a high probability during the 2008 financial crisis and in 2020, amid Covid-19.

Many countries are only just recovering from the aftermath of the pandemic, while some are still struggling to find their feet.

Fears of a looming recession are the last thing anyone wants to hear about but if one is lurking around the corner, taking strategic steps towards being prepared is the best course of action.

## Be prepared, but not scared

In the early 2000s, Amazon sold $672 million in convertible bonds to secure its financial position. About a month later, the dotcom bubble burst. More than 50 per cent of all digital start-ups were forced to shut down over the next few years.

Amazon’s decision to deleverage when it did, ultimately enabled the company to become the global powerhouse that it is today.

Whether you are an individual, couple, family or corporation, being prepared today will translate to your success tomorrow.

By reducing any pending debts, without incurring additional ones, a recession will be less intimidating to deal with.

Selling off liabilities such as cars, delaying major purchases and cutting down on holiday spending will increase your cash flow so that you can deal with a looming crisis.

Alternatively, you can also take smaller but still effective steps by spending less on “luxuries” such as premium coffees and online subscriptions to keep cash in your pockets — if you practice delayed gratification, you will be better off.

## Be conscious of contingency

Shrinking your debt overnight is easier said than done.

If you are unable to off-board a mortgage plan or instantly rid yourself of student debt, then the next best thing is to ensure you have an emergency fund.

This is the cornerstone of good financial planning and in addition to offsetting the effects of a recession, it is also helpful in dealing with other unforeseen circumstances such as a serious illness or a change in personal circumstance.

The size of your emergency fund will depend on your lifestyle and associated variables, including income, costs and dependents, to name a few.

With so many moving parts, a general rule of thumb is to stash a minimum of six months’ worth of expenses, but remember that this isn’t a nest egg for a long-term savings plan or a holiday. It is a safety net that should only be tapped into in the event of an emergency.

Furthermore, work on building a profitable fund that is liquid with unfixed terms.

Over time, this allows you to easily have access to cash flow and to reinvest it when opportune moments arise so that you can, over time, save up your yearly expenses by 20 times more to become financially free.

##Be a savvy investor

If you have successfully mitigated your risk by lessening or eliminating debt and pulled together some emergency savings, it is time to think about the future.

The market is expected to remain volatile as professional investors assess recession odds.

It could take some time for stock prices to bounce back from the market’s sell-off of more than 17 per cent in the year to date.

This makes it an opportune time to invest money that you can do without for the next few years, as it can allow you to build wealth for longer-term goals such as retirement.

Stocks, bonds and real estate investment trusts are some of the many available avenues you can pursue to secure your financial future amid the projected 2023 recession.

The bottom line is that a recession will affect all of us in one way or another, but a little preparation upfront will help you to sleep easier and be advantageous in the long run.

As published by [The National News](https://www.thenationalnews.com/weekend/2023/01/06/how-to-prepare-for-a-recession/) 


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How to be ready for a recession

SVB, Signature Bank collapse: Will it affect startups in the UAE?

Bas Kooijman, CEO and Asset Manager of DHF Capital S.A., cites that the UAE’s financial wealth is projected to soar beyond US$1 trillion within the next three years. The Ministry of Economy has been urging family businesses in the emirates to invest in non-traditional sectors and recently implemented a new family business law in January. With 90% of private companies in the country being family businesses, the overarching aim is to boost their contributions to the nation’s economy and attract more businesses to set up their operations in the UAE.

This comes on the heels of the country’s efforts in the second half of last year when a first-of-its-kind initiative was launched to double family-owned businesses’ contributions to the nation’s GDP to $320 billion by the end of the decade. These diligent efforts by both the government and families represent a collective willingness to prepare for the future economy. With more money being created in the region, this is resultingly contributing to a forecast of an estimated USD 1 trillion in assets being transferred to the next generation in the Middle East by 2030. Expatriates who are settling down in the region are already playing a key role in bolstering the GCC’s economy, and they will continue to do so. Data shows that in 2021, the Middle East’s high-net-worth individual (HNWI) population and wealth grew by 5.5% and 6.3%, respectively. The UAE has been continuing this surge as its own financial wealth reportedly rose by 20% to USD 700 billion last year. This growth was complemented by 5,200 HNWIs who made their way into 

the country to easily surpass an initial forecast of 4,000 in 2022; Dubai alone has recorded 18% growth in its HNWI population during the post-pandemic era and with ongoing turmoil overseas, the emirate is poised to continue attracting the highly affluent.

Bas commented: “The UAE’s ultra-HNWIs outperformed global growth rates with a more than 17% increase in population and a nearly 19% increase in wealth in 2021. Data will likely show that the country has performed exceptionally in 2022 as well, and as capital continues to be injected into both the country’s economy and into the pockets of future generations, sustainable growth and responsible management of finances must remain at the forefront of the nation’s mind.

The Ministry of Economy has urged investors to assess opportunities in up-and-coming sectors like digital assets and financial investments because this is where the future is headed. It is also a great means of diversifying one’s portfolio to mitigate the risk of financial downturns or unfortunate life circumstances. The children are our future – and being able to successfully pass on wealth to them, as well as equip them with the knowledge of how to sustain it, is our responsibility,” he added.

Around 87% of HNWI investors in the Middle East believe that their family business is set up to efficiently transfer wealth to the next generation, however, only 24% have an actual plan in place to do so. The UAE government has accordingly encouraged family-owned businesses to list shares on the country’s stock exchanges to enable easier succession in companies, but several other methods of transferring wealth are available; cash lump sums, real estate, and insurance to name a few. Bas Kooijman is working to raise awareness about this as he makes wealth creation more affordable for all via his securitisation firm, DHF Capital.

Source: https://www.businesstoday.me/businesstoday/opinion/bas-kooijman-the-key-to-protect-the-uaes-1-trillion-in-financial-wealth/ 
https://economymiddleeast.com/ar/news/توقعات-بتجاوز-الثروة-المالية-في-الإما/ 
https://economymiddleeast.com/news/uae-financial-wealth-to-soar-beyond-1-trn-in-3-years/ 
https://arabic.arabianbusiness.com/abnews/الإمارات،-الثروة-المالية-ستتخطى-تريل 
https://www.klyoum.com/uae-news/ar/34-توقعات-بتجاوز-الثروات-الشخصية-بالإمارات-حاجز-التريليون-دولار-خلال-3-سنوات.php 
http://uaenewsapp.com/1/Article/2065/230643120#.ZGTELy8Rrw4 
https://menafn.com/arabic/1105722576/باس-كويمان-يستعرض-أفضل-السبل-لحماية-الثروة-المالية-في-دولة-الإمارات 
https://menafn.com/1105722575/Bas-Kooijman-The-Key-to-Protect-The-UAEs-1-Trillion-in-Financial-Wealth 
https://www.mubasher.info/news/4086058/توقعات-بتجاوز-الثروات-الشخصية-بالإمارات-حاجز-التريليون-دولار-خلال-3-سنوات/?currentUserCountryCode=AE 
https://mea-finance.com/the-key-to-protect-the-uaes-1-trillion-in-financial-wealth/ 
https://www.albayan.ae/economy/2023-03-08-1.4628143 
https://www.nabdn.com/post/15755360/دي-إتش-إف-كابيتال-زيادة-أعداد-الأثرياء-بالدولة-تنعش-قطاع-الخ 
https://pressbee.news/details/5946221/دي-إتش-إف-كابيتال-زيادة-أعداد-الأثرياء-بالدولة-تنعش-قطاع-الخ 
https://www.klyoum.com/uae-news/ar/29-دي-إتش-إف-كابيتال-زيادة-أعداد-الأثريا-بالدولة-تنعش-قطاع-الخدمات-المالية.php 


Bas Kooijman; The Key to Protect The UAE’s $1 Trillion in Financial Wealth

Muscat: The IPO boom in the GCC is expected to continue in 2023 and is expected to draw more investments than in 2022, which exceeded $20 billion, according to an industry expert.

The initial public offering (IPO) market in the Gulf Cooperation Council (GCC) saw a very good year in 2022, in particular in comparison to other regions, which recorded a dearth of listings and a pessimistic sentiment overall as doubts over global economic growth accumulated and interest rates rose, Bas Kooijman, CEO and Asset Manager of DHF Capital, said in an exclusive interview with the Times of Oman.

“The GCC benefited from governmental support and strong energy prices and the markets in the region saw some big IPOs and are expected to maintain this trend for 2023,” he added.

Elaborating about OQ subsidiary Abraj Energy's listing on the Muscat Securities Exchange (MSX) Bas said that the announcement of Abraj’s IPO has spurred interest in the Omani stock market, which is benefitting from the surge of investments that came from listings in neighbouring countries during 2022. “The IPO could also fuel a positive sentiment for the market as a whole and help push local stock prices to the upside. MSX could see a better year in 2023,” he further added.

Speaking about the IPO market in the GCC during the year Bas said, “Overall, the sentiment has been trending up with China reopening its economy and the US potentially decreasing the pace of interest rate hikes.”

This could further push companies in the GCC to speed up their IPO projects to tap the improving risk appetite among investors, he said.

“However, the extent of this boom could be exposed to changes in monetary policy, economic growth and investors’ appetite for risk,” he further added.

Bas said that 2022 saw a number of large IPOs, chief among them, DEWA, which raised $6.1 billion on the Dubai Financial Market (DFM). Other large IPOs in the UAE included Borouge, Salik and Empower. Saudi Arabia also saw a large IPO in Luberef.

Dubai is constantly finding innovative ways of incentivising business development and healthy growth, which leads to more companies achieving IPO eligibility, and 2023 could outperform last year's trends because of this, Bas said to Times of Oman. “The Saudi stock exchange has already announced that a large number of IPOs are in the works. In Dubai, Salik and Empower entered the emirate's stock market and we could see other government-owned organisations enter the market as well,” he added.

Bas said that it remains unclear which companies would be next in the IPO pipeline. “However, we could see some large government-owned companies in the UAE and Saudi Arabia opening their capital to investors, to break last year's trend. In the UAE, four free zone companies could list on the stock market,” he added.

Stock market investors face a number of risk factors including inflation, interest rates, the global economic slowdown and the ongoing conflict in Ukraine. In this regard, the US monetary policy remains a critical factor due to its large impact on sentiment, stock prices and global economic activity. As such, the main challenge for investors would be to target the companies most likely to thrive under current market conditions.

Source: https://timesofoman.com/article/126684-ipo-boom-in-gcc-expected-to-continue-in-2023


Bas is equipping investors with the know-how and tools to succeed in the future economy.

Dubai, UAE : Bas Kooijman is the CEO and Asset Manager of DHF Captial S.A., a Luxembourg-based securitisation firm that assists professional and institutional investors; he co-founded the company in 2020, championing and informing investors to secure wealth opportunities that otherwise would not be accessible to them. His proven track record includes accolades such as building two companies, one of which he sold in 2015, and recognition as a published author which has helped earn him the trust of countless investors across the globe.

As a full Member of the Society of Technical Analysts (MSTA) in London, and a Certified Financial Technician (CFTe) at the International Federation of Technical Analysts (IFTA), Bas’ wealth of experience enables him to provide expertise within the industry from both an investor and trader's standpoint. Seeking out and assisting investors who are looking to build up their financial portfolios, clients across his firm have witnessed 36 months of positive returns of 1-3% and secured an average return on investment of 26% per year.

**Bas Kooijman, the CEO and Asset Manager of DHF Capital**, commented: “Unfortunately, financial literacy is not something that traditional schooling systems offer. With the world being more innovative, fast-paced, and technologically more advanced than ever before, being an informed investor provides you with the understanding that you have the power to affect marketplace change - and the know-how to actually do it. This is why I’m trying to bridge this gap between the traders I work with and the financial future that they desire.”

An advocate of peer-to-peer leadership, Bas’ approachable personality allows each of his clients to access personalised services and first-class management. His book, Trading and Investing, which was published in October 2020, is an available resource that explains the similarities and differences of public trading, as well as the fundamentals of patience as both an investor and trader. Passionate about crunching numbers to produce profits or growth potential for others, he lives by the motto: “If you are too big for the small things, you will soon be too small for the big things”.

As published by [Zawya](https://www.zawya.com/en/press-release/companies-news/bas-kooijman-is-making-wealth-creation-more-accessible-and-affordable-for-all-rfkmubu1).

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Bas Kooijman is making wealth creation more accessible and affordable for all

IPO boom in GCC expected to continue in 2023

As inflation rises, a global recession looms, and chatter of cryptocurrencies replacing fiat money persists, the importance of financial literacy has never been more evident. Some argue that personal finance not being taught in schools is a general failure of the education system to identify the most relevant skills students should possess.

Others claim it is a parent’s responsibility to ensure their children are financially literate. Irrespective of which of these sides is correct, the fact remains that as adults, we are all responsible for managing our finances - whether paying off mortgages or student debts, or building and diversifying our wealth portfolios to prepare for retirement.

In the UAE, this is an afterthought for close to half of the country’s population; 45 per cent of residents say they have not yet started saving for retirement, and 40 per cent will only start saving 10 years or less before they are set to retire. For comparison's sake, approximately 75 per cent of American adults have begun saving for their ‘golden years’.

If you are not a part of the 33 per cent of adults worldwide who have sufficient financial education, here are some things you can do to change that:

## Use the 50/20/30 budgeting rule
Coined by US Senator Elizabeth Warren, the 50/20/30 rule is a budgeting tactic that entails splitting your after-tax income into three categories of spending:

- 50 per cent on needs;
- 30 per cent on wants; and
- 20 per cent on savings..

If you are a resident of the UAE, you are in an advantageous situation to maximize on saving potential as you keep everything you earn. With that said, avoid the traps of overspending and ignoring delayed gratification. Instead, follow the 50/20/30 rule to create a reasonable budget, stick to it, and realize your financial goals.

## Think of it like a burger
Allocate 50 per cent of your total earnings to cover necessities like paying down debts, buying groceries, maintaining your health, and so forth - these are the buns that hold your financial potential together. If half of your salary is not enough to cover these expenses, you can downsize by, for example, limiting your use of taxis and frequenting the metro or compromising on luxury elements of your life.

While it’s important to be responsible, so is enjoying your life. This will help you make the 50/20/30 rule a sustainable staple in your life. That’s where the 20 per cent - the lettuce, tomatoes, and other preferred condiments - fit in. You can use this percentage of your savings for ‘luxuries’ like Netflix subscriptions and Starbucks coffee orders, as well as more miscellaneous expenses like going out with friends or buying gifts for family members.

Finally, the meat. This is the best 30 per cent as it makes your burger complete. It is crucial, and the reason that you are considering following this blueprint in the first place. In the short-term, 30 per cent of your savings may not seem like much, but in the long run, it makes a huge difference.

Use this allocation to create an emergency fund - something you should aim to have at least three months of savings for - to invest in stocks, and of course, to prepare for retirement.

## Harness technology and youth
Almost 50 per cent of the UAE is aged between 15-35 years and this reinforces the importance of millennials and Gen Z in propelling the country’s growth[1].

Younger generations are more in tune with digital platforms and advancements in technology, and there are a plethora of online resources that are widely available for them to learn and improve. The next step is applying what is learned, as theory is nothing without practice.

For instance, if you learn about commodity trading from YouTube channels, make sure you try your hand at actually doing it on a reputable platform. If you still don’t feel comfortable, at least you are now better educated on the subject and you can reach out to a wealth management platform to help you build your wealth while having a better understanding of what’s going on every step of the way.

##Plant your seeds now
According to a 2019 financial literacy survey, 43 per cent of UAE respondents between 16-24 felt unready to manage their own money, and 53 per cent said schools didn’t prepare them enough to manage their finances. The country has since taken steps to improve this, by rolling out initiatives like Ghaya in November 2020, to support UAE Nationals and their subsequent contributions to economic growth.

However, nearly 90 per cent of the UAE’s population is made up of expatriates and proactive action is still needed to enhance the region’s current financial literacy rate of 30.7 per cent. This will help the UAE catch the likes of Denmark, Norway, Sweden, Canada, the United Kingdom, Germany, Australia, and Finland, all of which boast financial literacy rates ranging between 63-71 per cent.

As the Chinese proverb goes: ‘The best time to plant a tree was 20 years ago. The second best time is today…’

As published by [GulfNews](https://gulfnews.com/your-money/expert-columns/uae-expats-could-do-with-a-502030-budgeting-model-1.1674042451103)

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UAE expats could do with a 50/20/30 budgeting model

The past year has seen incredible success rate at the DHF Capital offices owing to business growth and expansion in the global footprint. DHF Capital is amongst the first companies worldwide that provide exclusive bespoke solutions to form clients’ financial investment portfolios. With the number of investors on the rise, it is the best time to expand its leadership team in order to streamline operations in the United Arab Emirates (UAE) and other focused markets the United Kingdom (UK) and Europe.

Bas Kooijman, former Asset Manager, takes the lead for DHF Capital as the Chief Executive Officer (CEO) while Anupam Kumar, a former and seasoned banker fits into the robust role of the Chief Information Officer and Jenny Selest completes the team as the Global Operations Director.

On his appointment as the **CEO of DHF Capital, Bas Kooijman** says: “Since the inception of DHF Capital, I have witnessed steady growth of the securitisation business as an Asset Manager and have only been motivated to push the boundaries further. I am deeply honored and appreciative of my role as the CEO and eagerly look forward to working with the talented team. In the coming days, we would be rolling out bespoke investment solutions and subsequently launch the new Alpha, Gamma and Forex funds. The following months will also be spent meeting new investors and representing the company in select conferences and seminars in significant markets like the UAE, UK and Europe.”

**Bas Kooijman** started his early career at the young age of 13 and after a series of successful stints from making websites to dabbling in the cloud computing & data centre space to eventually exploring the world of telecom, he finally co-founded DHF Capital and took on the reins as the Asset Manager. Bas has taken up advisory roles in different financial companies to help them achieve growth and success. He eventually bagged various financial statuses like MSTA at the Society of Technical Analysis in London, a certification of Financial Technician (CFT) and the International Federation of Technical Analysts (IFTA). Bas has accumulated his experiences in a book called, “Trading and Investing” and was recently awarded with title of the top 50 Entrepreneurs by the esteemed ‘Disruptor’ magazine. He is also a coach who trains home traders on trading risks and strategies.

**Anupam Kumar**, Chief Information Officer says: “I am happy to come onboard as the Chief Information Officer at DHF Capital and looking forward to contributing positively towards the company growth. Known to provide a high level of security, reliability, and quality of life for all its citizens and residents, the UAE provides a steady environment and ample opportunities for financial growth. DHF Capital creates bespoke investment solutions for investors and seems a great fit for the UAE market. The Investment management industry in UAE is on the rise and we really look forward to seizing the opportunity by tapping all those who want to invest in the region.”

A Computer Science Engineer turned Finance professional, Anupam has earned his executive MBA, Finance, from S P Jain Inst. of Global Management, Dubai Campus. Anupam is also a certified wealth professional and has attained his certification from CISI (ICWIM), UK and from Securities & Commodities Authority (SCA) of UAE. His career span of 15+ years includes working as an Investment Specialist – Mashreq Bank, Wealth Manager – HDFC Bank and Branch Sales Manager with ICICI Bank.

**Jenny Selest**, Global Operations Director at DHF Capital has a rich experience of working in well-known corporations, including one of the largest insurance companies AIG as well as one of the largest travel marketplaces, Booking.com as a Team Leader. Jenny’s previous work experience as a Project Manager in private aviation will also add immense value to her current portfolio.

With the senior leadership team in place and new partnerships underway, DHF Capital is raring to go. DHF Capital’s focus for the next few months will be to create a range of bespoke investment solutions followed by an impressive roll out of the Alpha, Gamma & Forex funds in UAE and other significant markets like UK & Europe.

DHF Capitals’ philosophy focuses on creating wealth management solutions that apply to its clients’ diverse personal financial objectives. The company believes ‘creating wealth is as important protecting wealth’.

As published on: [https://www.zawya.com/en/press-release/companies-news/dhf-capital-announces-the-expansion-of-its-operations-in-the-uae-and-other-focused-markets-like-europe-and-uk-p8llilkp](https://www.zawya.com/en/press-release/companies-news/dhf-capital-announces-the-expansion-of-its-operations-in-the-uae-and-other-focused-markets-like-europe-and-uk-p8llilkp)

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DHF Capital announces the expansion of its operations in the UAE and other focused markets like Europe and UK

Bas Kooijman started his early career when he was only 13 years old. He used to work on the first websites for his customers and soon opened his first company in IT just when he was 16. While working on his company, he moved towards the cloud computing and data centre space where he explored the world of telecom companies. His passion for telecom grew over time and enabled him to build his own telecom company VOIP in the Cloud and later Wholesale Telecom company Brokerteam, which has operated in 35 countries and in 7 currencies. 

Seeing the currency exchange live on the operations side of his company, Bas decided to move to finance after selling Brokerteam in 2015. Since then he has developed himself into a professional trader while managing funds for various companies as Asset Manager, at DHF Capital SA, which he co-founded, and supported retail traders as a coach. He also enjoys taking advisory roles in different financial companies to help them grow. Bas eventually bagged various financial statuses like MSTA at the Society of Technical Analysis in London and certification of Financial Technician (CFT) at the International Federation of Technical Analysts. 

Apart from being an entrepreneur and working in the financial industry, Bas has accumulated his experiences in his book, “Trading and Investing”, which explains the differences and similarities between the two topics. Furthermore, he has developed his own “Infinity Trading Tools” software that traders can use to identify the trend and trade with it. Bas spends Mondays hosting a weekly overview session on the streaming platform Tradingview for his followers and as a coach navigates people to the right and lucrative trading techniques.

His coaching sessions aim to hone traders and their trading strategy and mindset while they are trading the real market. The trading course is an in-depth guide to different aspects of trading, starting from the basics to more advanced topics such as risk management and psychology while leveraging practical learning. Bas shares his own tips, tricks, and strategies in the course so that students can apply them in their own trading journey, accentuate their prospects of passive income and fully understand their role as a trader or investor.

As he thrives on his financial knowledge and his prudence with money, he has become one of the most sought-after coaches and entrepreneurs in recent years. His extensive experience has enabled him to grow into a successful entrepreneur and trader, where he continues to be passionate about teaching people and helping them reach their financial goals.

This year, he is coaching 200 people to propel their success on the trading ground. In the coming years, he plans to upgrade and automate his strategies to enable more people to trade and invest using his methods. With relentless learning and a passion for helping people build wealth, Bas continues going beyond boundaries and introducing people to the world of trading and investing.

As published on: [https://disruptorsmagazine.com/bas-kooijman/](https://disruptorsmagazine.com/bas-kooijman/)

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Bas Kooijman in Disruptors 50 under 50

**How can a mix of equities, commodities, and currencies work in harmony to deliver steady returns and with moderate risk?**
We’ve found that steady returns can be achieved through a mix of those assets, while our portfolio construction and proprietary software effectively manage the risks.

Consider foreign exchange, for example, where we take long-, medium-, and short-term trading positions. The medium- and long-term trading strategies, each about 40% of the currency portfolio, are generally the lower-risk/lower-return piece of the portfolio. The short-term currency trading portfolio (20%) is higher risk but higher reward, functioning as an additional alpha driver. Risk is managed through automated software that monitors and limits trader risk to 1% of their capital per day, with a stop loss set at 10% of their portfolio.  

We view commodities as the ultimate risk mitigator of economic cycles. Long-term investments in physical assets like gold and silver have proven to be a very effective hedge against market downturns. We believe a 2:1 position of commodities to equities is appropriate to insulate a portfolio against such events and maintain that as part of policy.

The remaining equity portfolio is based on the top-quartile global equity performers, focusing our long-term vision around a sustainable mix of technology, emerging market, and commodity companies.  

**The past eight years have posed unique challenges; how has your strategy navigated these pain points?**
We see currency as an economy’s stock price. Economic events like the sovereign debt crisis in Greece and the Brexit Referendum in 2016, as well as the COVID-19 pandemic, created significant volatility. With Greece and Brexit, the events were locally focused and allowed for significant asset dislocations compared with the rest of the world.  

The volatility created by COVID-19 was initially very uneven, allowing hedging strategies to thrive. Facing the worldwide outbreak, we managed our risks when all markets showed extreme conditions, and continued trading with our strategies as markets stabilized.  

**Your portfolio uses a real estate corporate guarantee to protect investors from significant drawdowns. Does this mean the strategy is still susceptible to periods of high stress?**
Downside protection is top of mind for many of our clients and, while they all understand that markets will go through periods of high stress, our objective is to give them peace of mind. Our real estate backing flows from our philosophy that these high-stress periods shouldn’t be passed on to our clients and can be mitigated by our investment strategy.  

**How are you positioning yourselves in 2022?**
Based on our previous years’ results and strategy, we’ll continue working as we have done. Needless to say, we always keep a close eye on all worldwide assets; if the markets do show the need for a change in strategy, we’ll not hesitate to do so in order to keep delivering consistent positive results for our investors.


As published on [https://www.preqin.com/insights/research/blogs/stemming-crisis-through-global-diversification](https://www.preqin.com/insights/research/blogs/stemming-crisis-through-global-diversification)