Unilever's global headquarters in London. The company is opening a Dh1 billion factory in the UAE. Photographer: Simon Dawson/Bloomberg
Unilever's global headquarters in London. The company is opening a Dh1 billion factory in the UAE. Photographer: Simon Dawson/Bloomberg

Why foreign investment makes sense



The UAE is known for its investment prowess. A significant component of the country’s economic strength is based on the savvy investments using hydrocarbon revenue that have been made over the decades. Given this connotation, encouraging foreign direct investment (FDI) at home might seem strange.

Why would a country known for investing elsewhere want to invite outside investment? Why not reverse capital trends and keep the cash on familiar shores? The problem is that we don’t take into account the fact that FDI is about much more than capital expenditure. With cash investment comes expertise that can provide the spark of a manufacturing boom; and that is appealing for a country such as the UAE.

Given the recent growth of emerging markets in Africa and Asia fuelled in part by FDI, we generally don’t associate it with established economies. However, any size of economy – even one as large as the United States, for example – can benefit from the expertise, manpower and knowledge that comes with investment.

Unilever’s decision to open a Dh1 billion consumer goods factory in Dubai is a case in point. The British-Dutch company sees Dubai as a natural gateway to expanding markets in Africa and South Asia and will start exporting goods such as Dove soap and Vaseline with a “Made in the UAE” label. This capital investment will be a boost to the UAE’s diversification plans. But it also brings other indirect benefits, such as the development of suppliers to support its manufacturing.

Now, while making soaps and such might not seem cutting edge, the automation that it entails will require expertise and know-how to maintain. So that’s a start. Elsewhere, inward investments in cutting edge industries, such as financial technology, bring new skills and expertise. Again, these nascent industries need to be supported by yet more companies, either new or existing. And the point is that it creates new demands and widens the scope of the economy further. An entire sub-ecosystem of economic activity is built up with FDI.

Finally, foreign investment in new industries will ensure that the investments that we make ourselves with our own dirham stretches the power of our currency – through new efficiencies and productivity that FDI encourages. Every country benefits from FDI.

Director: Laxman Utekar

Cast: Vicky Kaushal, Akshaye Khanna, Diana Penty, Vineet Kumar Singh, Rashmika Mandanna

Rating: 1/5

THE DETAILS

Director: Milan Jhaveri
Producer: Emmay Entertainment and T-Series
Cast: John Abraham, Manoj Bajpayee
Rating: 2/5

FFP EXPLAINED

What is Financial Fair Play?
Introduced in 2011 by Uefa, European football’s governing body, it demands that clubs live within their means. Chiefly, spend within their income and not make substantial losses.

What the rules dictate?
The second phase of its implementation limits losses to €30 million (Dh136m) over three seasons. Extra expenditure is permitted for investment in sustainable areas (youth academies, stadium development, etc). Money provided by owners is not viewed as income. Revenue from “related parties” to those owners is assessed by Uefa's “financial control body” to be sure it is a fair value, or in line with market prices.

What are the penalties?
There are a number of punishments, including fines, a loss of prize money or having to reduce squad size for European competition – as happened to PSG in 2014. There is even the threat of a competition ban, which could in theory lead to PSG’s suspension from the Uefa Champions League.

COMPANY PROFILE

Name: Lamsa

Founder: Badr Ward

Launched: 2014

Employees: 60

Based: Abu Dhabi

Sector: EdTech

Funding to date: $15 million

Our family matters legal consultant

Name: Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

The specs
Engine: 77.4kW all-wheel-drive dual motor
Power: 320bhp
Torque: 605Nm
Transmission: Single-speed automatic
Price: From Dh219,000
On sale: Now
World Cup final

Who: France v Croatia
When: Sunday, July 15, 7pm (UAE)
TV: Game will be shown live on BeIN Sports for viewers in the Mena region