It doesn't take long for expatriate investors in the UAE to get used to the idea of living in one country and having a chunk of their wealth in another.
They may have property and pensions in their home country, an apartment and savings in Dubai, and further investments in an offshore wealth platform.
This is a natural state of affairs for the internationally mobile and wealthy, but be warned, there are pitfalls.
Get it wrong and you risk a brush with the tax authorities that could cost you dearly and, in some cases, have you on the hook for taxes for a lifetime.
Nobody wants that. And you especially do not want to risk a run in with the US tax authorities, otherwise known as the Internal Revenue Service, or IRS.
The IRS are a tough bunch. Their legendary T-Men are the guys who brought down 1930s gangster Al Capone, when the FBI couldn't.
You don't want them coming after you.
Yet they could if you unwittingly invest in an exchange-traded fund (ETF) that is domiciled in the US, rather than, say, Dublin or Luxembourg.
ETFs are the heroes of the investment world. They have liberated private investors from the clutches of unscrupulous offshore financial "advisers" selling costly and complex offshore bonds and 25-year savings plans.
They have also spared investors from having their wealth drained by overcharging, underperforming mutual fund managers.
ETFs track a huge range of global indices, including shares, bonds and commodities, at minimal cost. They have no upfront charges and tiny annual fees. Two of the most popular, Vanguard S&P 500 ETF and iShares Core S&P 500 ETF, charge just 0.03 per cent a year.
What is so dangerous about that? Nothing. Unless your chosen ETF happens to be domiciled in the US and you are not a US citizen.
The US is the world's largest investment centre, inevitably, given the size and wealth of its domestic population. However, it is a land expatriate and UAE resident investors should shun for tax reasons.
Today, the IRS claims jurisdiction over the tax affairs of every US citizen and green card holder, wherever they are in the world.
As its website clearly states: “Your worldwide income is subject to US income tax, regardless of where you reside.”
US citizens can have tax obligations in the States years after they left the country and in some cases, even if they have never lived there at all.
Domicile means where the fund is based for tax and regulatory purposes. It can be very different to which country or currency the fund invests in
It’s a tough line to take, but the IRS is tough. Many US expats would love to have it off their backs, and some are campaigning against its global reach. Good luck to them.
The IRS usually cannot touch non-US residents unless they unwittingly invest in an ETF that is “domiciled”, or issued in the US.
It is an easy mistake to make, but once you are aware of the danger, it is easy to avoid, too.
Steve Cronin, founder of DeadSimpleSaving.com, a non-profit site helping people invest their money sensibly by themselves, says when buying ETFs, domicile matters. "Domicile means where the fund is based for tax and regulatory purposes. It can be very different to which country or currency the fund invests in."
This means an ETF could invest in, say, the UK, Japan, the Middle East or emerging markets, while being domiciled in the US or Europe or Singapore or wherever.
Mr Cronin says that if you are a US citizen, then it is fine to invest in US-domiciled funds and stocks. “If you are not, then investing in US-domiciled ETFs will expose you to US withholding tax and estate tax.”
The UAE does not have a tax treaty with the US, and this means local expats and residents who buy a US-domiciled fund will face a withholding tax of 30 per cent on dividends paid by US-domiciled ETFs.
There’s worse. When you die, your ETF holdings may also be liable for US estate tax. Mr Cronin says this could be even more punitive, as it is charged at 40 per cent on sums above $60,000. “You do not pay US capital gains tax or other income tax, but non-US expats should still avoid buying US-domiciled ETFs.”
Have you ever seen the acronym UCITS after an investment fund, and wondered what it meant? Well it’s worth knowing, because it could spare you bother with the IRS.
UCITS stands for Undertakings for the Collective Investment in Transferable Securities, and refers to the EU regulatory framework that allows investment funds to be sold across Europe in a safe and well-regulated way.
Mr Cronin says non-US citizens should play safe by searching for funds with UCITS in the name. “Ideally, these should be domiciled in Ireland, which does have a double tax treaty with the US,” he says. That way, you avoid the US estate tax completely and only pay a withholding tax of 15 per cent on US dividends. It falls to zero on investments from other countries.
Funds domiciled in Ireland can do this while investing in exactly the same assets. They also shield you from US estate taxes. Better still, you don’t pay any local Irish taxes, such as capital gains or inheritance tax on your ETFs (unless you are actually resident in Ireland).
Mr Cronin adds: “The easiest way to find such funds is to add UCITS to your search query when you are searching for a fund.”
You may also have seen other three or four-digit acronyms after many ETFs, typically in brackets, sometimes called the ticker symbol. This also helps you identify the right domicile for your ETF. For example, Vanguard S&P 500 ETF’s ticker is VOO in its US-domiciled version listed on the New York Stock Exchange, but the Dublin-domiciled, London Stock Exchange-listed Vanguard S&P 500 UCITS ETF ticker is VUSA.
Charges on US funds tend to be slightly lower, because they benefit from economies of scale, but this is a price worth paying.
Stuart Ritchie, director of wealth advice at UAE-based wealth adviser AES International, says Luxembourg and Ireland are two of the biggest domiciles for fund managers. “Their reputations are strengthened because they arrange tax agreements with other countries, improve accessibility and offer competitive tax rates.”
However, the Luxembourg double tax treaty is less favourable, and you still pay 30 per cent withholding tax on US dividends.
To avoid tax mishaps, make sure you are using the right jurisdiction. Mr Ritchie suggests seeking expert help from a financial or tax adviser.
A spokesperson from ETF giant Vanguard echoes this view. “UAE investors should always take independent financial and tax advice before investing in any non-local products.”
You can decide what advice you need. But what you most certainly do not need, unless you are a US citizen, is to attract the attention of the IRS. So avoid those US-domiciled ETFs.
US tops drug cost charts
The study of 13 essential drugs showed costs in the United States were about 300 per cent higher than the global average, followed by Germany at 126 per cent and 122 per cent in the UAE.
Thailand, Kenya and Malaysia were rated as nations with the lowest costs, about 90 per cent cheaper.
In the case of insulin, diabetic patients in the US paid five and a half times the global average, while in the UAE the costs are about 50 per cent higher than the median price of branded and generic drugs.
Some of the costliest drugs worldwide include Lipitor for high cholesterol.
The study’s price index placed the US at an exorbitant 2,170 per cent higher for Lipitor than the average global price and the UAE at the eighth spot globally with costs 252 per cent higher.
High blood pressure medication Zestril was also more than 2,680 per cent higher in the US and the UAE price was 187 per cent higher than the global price.
French business
France has organised a delegation of leading businesses to travel to Syria. The group was led by French shipping giant CMA CGM, which struck a 30-year contract in May with the Syrian government to develop and run Latakia port. Also present were water and waste management company Suez, defence multinational Thales, and Ellipse Group, which is currently looking into rehabilitating Syrian hospitals.
Company profile
Company: Eighty6
Date started: October 2021
Founders: Abdul Kader Saadi and Anwar Nusseibeh
Based: Dubai, UAE
Sector: Hospitality
Size: 25 employees
Funding stage: Pre-series A
Investment: $1 million
Investors: Seed funding, angel investors
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Company%20profile
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Heather, the Totality
Matthew Weiner,
Canongate
PROFILE OF HALAN
Started: November 2017
Founders: Mounir Nakhla, Ahmed Mohsen and Mohamed Aboulnaga
Based: Cairo, Egypt
Sector: transport and logistics
Size: 150 employees
Investment: approximately $8 million
Investors include: Singapore’s Battery Road Digital Holdings, Egypt’s Algebra Ventures, Uber co-founder and former CTO Oscar Salazar
COMPANY%20PROFILE
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EA Sports FC 26
Publisher: EA Sports
Consoles: PC, PlayStation 4/5, Xbox Series X/S
Rating: 3/5
Infiniti QX80 specs
Engine: twin-turbocharged 3.5-liter V6
Power: 450hp
Torque: 700Nm
Price: From Dh450,000, Autograph model from Dh510,000
Available: Now
House-hunting
Top 10 locations for inquiries from US house hunters, according to Rightmove
- Edinburgh, Scotland
- Westminster, London
- Camden, London
- Glasgow, Scotland
- Islington, London
- Kensington and Chelsea, London
- Highlands, Scotland
- Argyll and Bute, Scotland
- Fife, Scotland
- Tower Hamlets, London
Safety 'top priority' for rival hyperloop company
The chief operating officer of Hyperloop Transportation Technologies, Andres de Leon, said his company's hyperloop technology is “ready” and safe.
He said the company prioritised safety throughout its development and, last year, Munich Re, one of the world's largest reinsurance companies, announced it was ready to insure their technology.
“Our levitation, propulsion, and vacuum technology have all been developed [...] over several decades and have been deployed and tested at full scale,” he said in a statement to The National.
“Only once the system has been certified and approved will it move people,” he said.
HyperloopTT has begun designing and engineering processes for its Abu Dhabi projects and hopes to break ground soon.
With no delivery date yet announced, Mr de Leon said timelines had to be considered carefully, as government approval, permits, and regulations could create necessary delays.
UAE currency: the story behind the money in your pockets
Other must-tries
Tomato and walnut salad
A lesson in simple, seasonal eating. Wedges of tomato, chunks of cucumber, thinly sliced red onion, coriander or parsley leaves, and perhaps some fresh dill are drizzled with a crushed walnut and garlic dressing. Do consider yourself warned: if you eat this salad in Georgia during the summer months, the tomatoes will be so ripe and flavourful that every tomato you eat from that day forth will taste lacklustre in comparison.
Badrijani nigvzit
A delicious vegetarian snack or starter. It consists of thinly sliced, fried then cooled aubergine smothered with a thick and creamy walnut sauce and folded or rolled. Take note, even though it seems like you should be able to pick these morsels up with your hands, they’re not as durable as they look. A knife and fork is the way to go.
Pkhali
This healthy little dish (a nice antidote to the khachapuri) is usually made with steamed then chopped cabbage, spinach, beetroot or green beans, combined with walnuts, garlic and herbs to make a vegetable pâté or paste. The mix is then often formed into rounds, chilled in the fridge and topped with pomegranate seeds before being served.
UAE currency: the story behind the money in your pockets
COMPANY%20PROFILE
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Scores
Day 2
New Zealand 153 & 56-1
Pakistan 227
New Zealand trail by 18 runs with nine wickets remaining
The specs
Engine: 2.0-litre 4-cyl turbo
Power: 247hp at 6,500rpm
Torque: 370Nm from 1,500-3,500rpm
Transmission: 10-speed auto
Fuel consumption: 7.8L/100km
Price: from Dh94,900
On sale: now
Tailors and retailers miss out on back-to-school rush
Tailors and retailers across the city said it was an ominous start to what is usually a busy season for sales.
With many parents opting to continue home learning for their children, the usual rush to buy school uniforms was muted this year.
“So far we have taken about 70 to 80 orders for items like shirts and trousers,” said Vikram Attrai, manager at Stallion Bespoke Tailors in Dubai.
“Last year in the same period we had about 200 orders and lots of demand.
“We custom fit uniform pieces and use materials such as cotton, wool and cashmere.
“Depending on size, a white shirt with logo is priced at about Dh100 to Dh150 and shorts, trousers, skirts and dresses cost between Dh150 to Dh250 a piece.”
A spokesman for Threads, a uniform shop based in Times Square Centre Dubai, said customer footfall had slowed down dramatically over the past few months.
“Now parents have the option to keep children doing online learning they don’t need uniforms so it has quietened down.”
Milestones on the road to union
1970
October 26: Bahrain withdraws from a proposal to create a federation of nine with the seven Trucial States and Qatar.
December: Ahmed Al Suwaidi visits New York to discuss potential UN membership.
1971
March 1: Alex Douglas Hume, Conservative foreign secretary confirms that Britain will leave the Gulf and “strongly supports” the creation of a Union of Arab Emirates.
July 12: Historic meeting at which Sheikh Zayed and Sheikh Rashid make a binding agreement to create what will become the UAE.
July 18: It is announced that the UAE will be formed from six emirates, with a proposed constitution signed. RAK is not yet part of the agreement.
August 6: The fifth anniversary of Sheikh Zayed becoming Ruler of Abu Dhabi, with official celebrations deferred until later in the year.
August 15: Bahrain becomes independent.
September 3: Qatar becomes independent.
November 23-25: Meeting with Sheikh Zayed and Sheikh Rashid and senior British officials to fix December 2 as date of creation of the UAE.
November 29: At 5.30pm Iranian forces seize the Greater and Lesser Tunbs by force.
November 30: Despite a power sharing agreement, Tehran takes full control of Abu Musa.
November 31: UK officials visit all six participating Emirates to formally end the Trucial States treaties
December 2: 11am, Dubai. New Supreme Council formally elects Sheikh Zayed as President. Treaty of Friendship signed with the UK. 11.30am. Flag raising ceremony at Union House and Al Manhal Palace in Abu Dhabi witnessed by Sheikh Khalifa, then Crown Prince of Abu Dhabi.
December 6: Arab League formally admits the UAE. The first British Ambassador presents his credentials to Sheikh Zayed.
December 9: UAE joins the United Nations.
COMPANY PROFILE
Name: Kumulus Water
Started: 2021
Founders: Iheb Triki and Mohamed Ali Abid
Based: Tunisia
Sector: Water technology
Number of staff: 22
Investment raised: $4 million
UPI facts
More than 2.2 million Indian tourists arrived in UAE in 2023
More than 3.5 million Indians reside in UAE
Indian tourists can make purchases in UAE using rupee accounts in India through QR-code-based UPI real-time payment systems
Indian residents in UAE can use their non-resident NRO and NRE accounts held in Indian banks linked to a UAE mobile number for UPI transactions
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Fixtures:
Thursday:
Hatta v Al Jazira, 4.55pm
Al Wasl v Dibba, 7.45pm
Friday:
Al Dhafra v Al Nasr, 5.05pm
Shabab Al Ahli Dubai v Al Wahda, 7.45pm
Saturday:
Ajman v Emirates, 4.55pm
Al Ain v Sharjah, 7.45pm
Springsteen: Deliver Me from Nowhere
Director: Scott Cooper
Starring: Jeremy Allen White, Odessa Young, Jeremy Strong
Rating: 4/5
CHATGPT%20ENTERPRISE%20FEATURES
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MATCH INFO
Barcelona 4 (Messi 23' pen, 45 1', 48', Busquets 85')
Celta Vigo 1 (Olaza 42')
UAE currency: the story behind the money in your pockets
Electric scooters: some rules to remember
- Riders must be 14-years-old or over
- Wear a protective helmet
- Park the electric scooter in designated parking lots (if any)
- Do not leave electric scooter in locations that obstruct traffic or pedestrians
- Solo riders only, no passengers allowed
- Do not drive outside designated lanes
3%20Body%20Problem
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Dubai works towards better air quality by 2021
Dubai is on a mission to record good air quality for 90 per cent of the year – up from 86 per cent annually today – by 2021.
The municipality plans to have seven mobile air-monitoring stations by 2020 to capture more accurate data in hourly and daily trends of pollution.
These will be on the Palm Jumeirah, Al Qusais, Muhaisnah, Rashidiyah, Al Wasl, Al Quoz and Dubai Investment Park.
“It will allow real-time responding for emergency cases,” said Khaldoon Al Daraji, first environment safety officer at the municipality.
“We’re in a good position except for the cases that are out of our hands, such as sandstorms.
“Sandstorms are our main concern because the UAE is just a receiver.
“The hotspots are Iran, Saudi Arabia and southern Iraq, but we’re working hard with the region to reduce the cycle of sandstorm generation.”
Mr Al Daraji said monitoring as it stood covered 47 per cent of Dubai.
There are 12 fixed stations in the emirate, but Dubai also receives information from monitors belonging to other entities.
“There are 25 stations in total,” Mr Al Daraji said.
“We added new technology and equipment used for the first time for the detection of heavy metals.
“A hundred parameters can be detected but we want to expand it to make sure that the data captured can allow a baseline study in some areas to ensure they are well positioned.”
COMPANY%20PROFILE
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Our legal advisor
Ahmad El Sayed is Senior Associate at Charles Russell Speechlys, a law firm headquartered in London with offices in the UK, Europe, the Middle East and Hong Kong.
Experience: Commercial litigator who has assisted clients with overseas judgments before UAE courts. His specialties are cases related to banking, real estate, shareholder disputes, company liquidations and criminal matters as well as employment related litigation.
Education: Sagesse University, Beirut, Lebanon, in 2005.
VEZEETA PROFILE
Date started: 2012
Founder: Amir Barsoum
Based: Dubai, UAE
Sector: HealthTech / MedTech
Size: 300 employees
Funding: $22.6 million (as of September 2018)
Investors: Technology Development Fund, Silicon Badia, Beco Capital, Vostok New Ventures, Endeavour Catalyst, Crescent Enterprises’ CE-Ventures, Saudi Technology Ventures and IFC
Company%20profile
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The Sand Castle
Director: Matty Brown
Stars: Nadine Labaki, Ziad Bakri, Zain Al Rafeea, Riman Al Rafeea
Rating: 2.5/5
How to wear a kandura
Dos
- Wear the right fabric for the right season and occasion
- Always ask for the dress code if you don’t know
- Wear a white kandura, white ghutra / shemagh (headwear) and black shoes for work
- Wear 100 per cent cotton under the kandura as most fabrics are polyester
Don’ts
- Wear hamdania for work, always wear a ghutra and agal
- Buy a kandura only based on how it feels; ask questions about the fabric and understand what you are buying
