Dear subscriber,

I am fascinated by the UAE property market, particularly its appeal as a safe haven amid geopolitical conflicts in the region.

While this factor has driven up property prices, potentially even outpricing some end users, those who managed to enter the market at a good price point have seen outsize capital gains.

This industry attracts buyers with varied risk appetites and investment preferences. I spoke to three homeowners in the UAE with different investment strategies.

One rents out her properties as holiday homes to capitalise on the UAE's allure as a tourist haven with year-round demand. She also benefits from higher rental yields and more flexibility over how the unit is managed and maintained.

Another homeowner is in it for the long term and has a portfolio of investment properties that are leased annually because she prefers the stable cash flow and fixed income from this arrangement.

In contrast, the third homeowner discussed how she earns a profit by flipping properties, but strictly off-plan only. Flipping requires patience and is not a guarantee of quick money, she warns.

One person who does not believe in owning property is Aristos Panteli, who works as a senior institutional manager with a foreign currency broker in Dubai.

Instead, he prefers to save and invest his money in high-yield savings accounts in UAE banks and on personal development.

Mr Panteli told us that he prefers to remain liquid and flexible and, therefore, lives in a hotel.

Don't forget to scroll down to check out our readers' money-saving tip – this week, we look at how avoiding a trip to a favourite store filled with temptations can help you cut costs and save money. Get in touch with us at pf@thenationalnews.com to share your best tips.

How to choose the perfect property investment strategy

The UAE attracts different kinds of property investors, and the availability of diverse options means home buyers can choose a unit that is best suited for either a short-term or long-term lease.

This decision is usually based on various factors such as rental yields, capital appreciation, location, market conditions, supply and demand and individual investment preferences.

While short-term lets offer higher rental yields and flexibility to property owners, annual rentals attract those seeking more stable and predictable income streams, according to experts.

The National looks at three property investment strategies and the experience of homeowners to come up with what could work best for you.

Read the full story by Deepthi Nair …

My Dubai Salary: ‘I earn up to Dh80,000 a month in financial services’

Aristos Panteli recalls living from one pay cheque to the next at one stage of his career in Cyprus. However, financial literacy and investing in himself have helped turn his life around in the UAE.

Today, he is a millionaire and has an emergency fund that can sustain his family for 20 years.

Mr Panteli, 38, worked as a teller in a bank for 10 years in Cyprus before moving to the UAE in 2021.

He currently works as a senior institutional manager at a foreign currency broker in Dubai.

Read the full story by Deepthi Nair …

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Why this bull market’s ‘bad breadth’ is bunk

Why schools must unlock financial empowerment for children

Money & Me

Money-saving tip #53

When you’re trying to cut costs and save money, avoid putting yourself in a tempting environment. We all have that one store that encourages us to loosen our purse strings. For me, it’s River Island. What’s yours?

Avoid that shopping trip so you don’t succumb to temptation and indulge in impulsive purchases that you don’t need.

Instead, substitute that shopping trip with a fun activity like a beach outing with friends. This way you still enjoy yourself, but at a fraction of the cost.

Have you got a great money-saving tip? Email it to us at pf@thenationalnews.com for a chance to be featured.

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