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Insights.
Long reads & monthly letters.

Long-form insights and monthly investor letters from Vault Wealth — the themes shaping global markets and what UAE investors should focus on.

102 piecesAcross 12 topics

August 2026(8)

19 Aug 2026InsightCash & savings4 min read
AED or USD: Which Currency Should You Save In?The AED is pegged to the USD, which removes the question most savers think they are answering and leaves a different one: which yield curve your cash sits on, and in which currency your liabilities fall due.
19 Aug 2026InsightCash & savings4 min read
Savings Account, Fixed Deposit or Money Market Fund?Savings accounts, fixed deposits and money market funds are treated as interchangeable places to park cash. Two are deposits on a bank's balance sheet and one is not, which changes the risk you are holding.
19 Aug 2026InsightShariah investing4 min read
Sharia-Compliant Savings in the UAE: How the Structures WorkIslamic savings products in the UAE are built on wakala, murabaha and mudaraba rather than interest. The structures behave differently from a conventional deposit in ways worth understanding before you open one.
19 Aug 2026InsightWealth planning6 min read
South African Expats in the UAE: What Actually ChangesMoving to the UAE does not end your relationship with SARS. South Africa taxes residents on worldwide income, so the decisive question is whether you remain tax resident, what ceasing residency triggers, and how exchange control shapes what you can move.
19 Aug 2026InsightWealth planning5 min read
Your Gratuity: Take the Lump Sum or Invest It?Cabinet Resolution 96/2023 gave private-sector employees a choice between the statutory gratuity and an invested savings scheme. Most coverage treats it as an HR compliance matter. For the employee it is an asset-allocation decision with a twenty-year horizon.
19 Aug 2026InsightWealth planning
The Pension You Already OwnA guide for UAE nationals to the GPSSA and ADPF state pension: which of the two laws applies to you, the accrual rate and the salary cap, what a fixed pension buys after two decades of inflation, and what happens when you move between the two schemes.
7 Aug 2026InsightAlternatives & private markets
The Pre-IPO SPV Problem: Everyone In Between Eats FirstThe Wall Street Journal traced what happened to investors who bought pre-IPO SpaceX through stacked special purpose vehicles — four and five layers from the cap table. An interactive briefing: model the fee cascade, walk the ownership chain, and see the route that held the shares directly.
5 Aug 2026InsightWealth planning
One Day the Salary Stops: You Can Choose the DateAlmost nobody picks the year they stop needing to earn — an end-of-service formula picks it for them. An interactive guide to what the UAE gratuity actually pays, the number that replaces a salary, and how early that number could arrive.

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Insights.Long reads & monthly letters.