The Complete Guide to a Novice Investor in Dubai

The Complete Guide to a Novice Investor in Dubai

Welcome
to the full guide to the Israeli Investor in Dubai

Horizon specializes in accompanying Israeli and European real estate investors on their way to a profitable and tailored investment in Dubai.

Our goal is to help investors increase their capital through optimal real estate investments in Dubai.

We accompany you all the way – from the planning stage, through locating the property, executing the transaction, to renting or selling the property at the maximum profit.

So… How did we start?

Our love affair with Dubai began somewhere in December 2021, when Shay, one of the owners of the company, purchased his first property there and managed to develop very quickly into additional properties.

Since then, we have invested considerable time and resources to thoroughly study the Dubai market and understand its enormous potential. 
The developed city, advanced infrastructure and high human capital attract us and our clients to acquire properties in a city that offers exceptional opportunities.

The largest team in the company is our analyst team, where we make the most of our efforts to provide the investor with an accurate and broad analysis of the transaction’s viability.

Importantly, we are not content with beauty and luxury – we focus on numbers and due diligence to ensure that every transaction you make with us is informed and worthwhile.

With an extensive network of contacts with local entrepreneurs, a team that knows the local market, and accurate economic analysis, we give our clients the confidence they need to invest in Dubai in a calculated and safe manner.


Our partners on the Road

Let's get to know Dubai

Dubai is one of the seven emirates of the United Arab Emirates, is a modern and dynamic city that has become an international investment hub.

With a stable economy, high quality of life, and advanced infrastructure, Dubai offers many advantages to real estate investors.

Dubai has become one of the most unique and prominent cities in the world, with crazy tourism (over 20 million tourists a year) , an unfathomable immigration rate, a completely Western center that is open and accepting Westerners, technology at the highest levels and a pace of regional development that any country would dream of.

The time to invest in Dubai is right now.
, demand is rising, well above supply, prices are still comfortable, and Dubai still has quite a bit of room for future development, which will translate into high value increases.

Dubai is known for iconic buildings, such as the Burj Khalifa, the Dubai Mall, and the imposing artificial islands. There are many opportunities for real estate investment in Dubai, especially in light of the government’s openness to foreign investors and the ease of purchasing properties.

השקעות נדל״ן בדובאי

Key sites worth getting to know

Dubai is a dynamic and fascinating city, offering a wealth of unique and innovative attractions. Here are five of the most interesting places in the city, along with the addition of two other sites worth visiting:


The Burj Khalifa

, the world’s tallest building at 828 meters, is one of Dubai’s most prominent symbols. The Borg HLipa offers a stunning view from the observation deck on the 124th and 148th floors, with breathtaking views of the city and surrounding desert. The building symbolises Dubai’s incredible progress and includes luxury hotels, restaurants and luxury commercial areas.


Dubai Mall

The largest shopping mall in the world, offering a unique shopping experience that includes more than 1,200 stores, high-end restaurants, and attractions such as a vast aquarium and indoor water park. Dubai Mall is not only a shopping center, but also a hub of attractions for families and tourists, including the famous Dubai Fountain located nearby. The mall also offers many options for entertainment with cinema, gaming complexes and other entertainment facilities.


Palm Jumeirah

is an artificial palm tree-shaped island that is one of the world’s greatest engineering wonders. The island is home to luxury hotels, gourmet restaurants and stunning private beaches. The island is best known for the luxurious Atlantis Hotel, which includes a spectacular water park and an underwater aquarium that allows unique experiences like shark diving. The island also offers luxury sailing experiences and stunning sunsets, making the visit an unforgettable experience.


Museum of the Future

An iconic and impressive structure with a ring shape, symbolizing the future and innovation. The museum presents fascinating exhibits on futuristic technologies like robotics, artificial intelligence, and space exploration. It is a place that inspires the future of man and technology and combines futuristic design and engaging information in an experiential way. The museum seeks to explore how we can address the challenges of the future and bring about the vision of Dubai as a global centre for innovation.

Madinat Jumeirah State

A luxurious tourist complex that combines traditional Arab architecture with modern luxury. The complex contains luxury hotels, restaurants on the water, boutique shops, and water canals offering sailing on traditional wooden boats. It is a unique place offering an experience of culture and tradition in Dubai combined with top-notch contemporary hospitality. The canals and spectacular views of the nearby Burg al Arab Hotel make the complex one of the most attractive areas for tourists.

The Dubai Marina

Dubai is one of the most spectacular and modern areas of the city, including a 3.5 km-long artificial canal surrounded by tall towers, high-end restaurants, cafes, and fashion shops. It is a very popular place for tourists and locals alike, offering many experiences such as yachting, cycling or walking along the Marina Walk promenade. In addition, the marina includes thenearby JBR Beach, where you can enjoy beautiful beaches and various water attractions.

סיטי ווק (City Walk)

City Walk is one of the most fashionable and innovative places in Dubai, combining bustling streets, luxury shopping complexes and top-notch entertainment centers. The complex offers a unique shopping experience with international boutiques, high-end restaurants, and contemporary cafes. It is characterized by modern design with street art and unique lighting. Among the main attractions in City Walk are The Green Planet, an indoor tropical rainforest, and the interactive gaming center Hub Zero.
These places provide a glimpse into the fascinating world of Dubai – a combination of traditional culture with advanced futurism, luxury experiences and attractions for the whole family.
The rapid development and high tourism, plus the benefits of a very safe country (one of the safest in the world) , tax – free, and westernized , make Dubai a city where the majority of residents are not locals but Westerners-Americans, Britons, Australians, Russians, Ukrainians, etc.who come to Dubai to open businesses and bring Dubai its Western feel and development.
The crazy number of tourists per year indicates the most visited country, where the number of hotel rooms reaches less than 100,000! This creates a very large demand and demand for apartments for short-term rentals in demand and tourism areas.

Map of Dubai and the neighborhoods that 'interest' us investors

Due to the move of many Westerners, Dubai has become a Western city within an Arab country-

  • from alcohol parties
  • to Western-dressed restaurants
  • to international brands and restaurants



Important to know

There is no difference between New York, Tel Aviv and Dubai.
In all these places the options are the same and there is no ban in Dubai, with the exception of a ban on illegal drugs. This is being enforced more robustly, bringing Dubai its Western feel and contributing to its development and attractive real estate investments in the city.

Investing in real estate in Dubai
Familiarizing yourself with the rules of the game

1

Strategic geographic location

Dubai is located at the crossroads between Europe, Asia and Africa, making it a major trading point.

2

Advanced Infrastructure


Dubai offers world-class transport, health, education and leisure infrastructure.
 Which is very conducive to the developmentof the real estate market in Dubai.

3

Convenient taxation


There is no tax on personal income and capital gains, which adds to the attractiveness of investment – yes you read that right – no tax. About nothing.

4

Economic and political stability


Dubai enjoys a stable economy and stable politics, which reduces risks for investors.


5

Growth opportunities


The real estate market in Dubai continues to grow, with new projects constantly evolving. At the same time, demand is currently double the supply of apartments – which is likely to drive real estate prices up.

6

Interest-free loan from the contractor


in Dubai You can buy a property where the price of the apartment is divided into payments over 8-10 years provided to us by the contractor himself, with no interest at all!



7

High quality of life


Dubai offers a high quality of life, with a wide range of community services, entertainment and tourist attractions.


8

You can buy an apartment in Crypto


Dubai, the only country in the world that allows crypto holders to buy an apartment with it!


9

Low prices in Israel and high potential


Apartment prices in Dubai in demand areas start at 600 NIS, which is the price for a studio apartment, which yields an average rent 3 times higher than in Israel

10

Listing a property


in the strongest safe tabooin the real estate worlds – in Dubai the property is registered in your name in the taboo. Not “part of a group,” you own a company that owns you…”. As in the country, the property is registered in your name in Tabu.


11

State accompaniment of the project and an escrow account


in Dubai , similar to Israel, in every project a contractor is obliged to accompany the project, be responsible for releasing the funds to the contractor, arrive and check the progress of the construction, and issue fines that are necessary and of course demand the money or completion of the transaction in extreme cases.

Who are the investors in Dubai

Real estate investments in Dubai have become popular among a wide range of people from all over the world, including:

Foreign investors

Dubai offers relatively high returns on real estate investments, attracting foreign investors, especially from countries like India, Britain, Russia, and China. These investors are drawn to Dubai’s favourable tax laws, which offer zero taxation on rental income and the absence of purchase tax or stamp duty. Many are buying properties as apartments for long-term or short-term rentals, given the city’s popularity among tourists and business travelers. – These are looking to diversify their portfolio in markets with growth potential and stable.


entrepreneurs and institutional investors

Major developers, investment funds and real estate companies in Dubai see the city as a strategic destination for investment. They focus on large projects, such as commercial centers, office buildings, and hotels, taking advantage of advanced infrastructure and strong economic ties with world markets. Dubai is particularly suitable for them due to its strategic location between Europe and Asia, and the international nature of the local business.

Investors from the Arab world and the Middle East

Businessmen and investors from the Gulf states (GCC) and the Arab world invest in real estate in Dubai due to its cultural proximity, legislation protecting property rights, and economic security. Many of them are purchasing luxury villas and vacation homes in areas like Palm BeachAnd Meera or Dubai Hills, both for personal use and as a long-term investment.

Private investors looking for a luxury lifestyle

There are people looking to enjoy Dubai’s luxury lifestyle and investing in luxury properties such as apartments-penthouses, private villas on the beach and properties near major attractions. Real estate investments in Dubai are therefore made not only for financial gain, but also for enjoyment of the high quality of daily life in the city.

Families

looking for a higher quality of life or assets that will serve them and their family for a high passive income / vacation home or potential to increase household equity.


These real estate investors come from a desire to take advantage of the economic potential and real estate investments in Dubai provide them with an opportunity to enter a city that has become a global center for real estate and urban development. These investors will primarily concentrate on the neighborhoods and areas that have high development potential and are strategically positioned to maximize the value. Their equity yield (property price increase) and their fruity yield (rental income).

Let's get acquainted with Emirati regulation

In order to invest in real estate in Dubai correctly and safely, we must know the rules of the game, tricks and tricks that have advantages and disadvantages for us as investors and must be familiar with them before entering the Emirati market.

Political accompaniment of the project and an escrow account – In Dubai, like Israel, in every project a contractor is obliged to accompany the project, be responsible for releasing the funds to the contractor, arrive and check the progress of the construction, and of course demand the money or completion of the transaction in extreme cases.



– Perfectly possible, today any resident of any country on the globe can purchase a property in Dubai without Emirati citizenship. In Dubai there are 2 types of zones-free hold and lease, with most transactions being done in the free hold areas where property is also allowed to be purchased from foreign investors, and in some of the leasehold areas foreign citizens are also allowed to purchase.



. The purchase tax in Dubai is 4% – a one-time payment that we pay at the entrance to the transaction for the benefit of DLD – opening the escrow account and escorting Dubai.



‘s bureaucracy is among the easiest in the world – There is no need for a mortgage adviser or lengthy contract negotiations-since there is no need for a mortgage, and in addition all real estate contracts are contracts written by the state and no one has. Neither we nor the contractor can change them. The contract, if you were wondering, is much more biased in favor of the investor than the contractor.



. It is possible to open a bank account in Dubai – for those who invest starting at 750,000 dirhams (1 shekel = 1) dirhams)-the investor will receive a two – year investor visa with which he can, among other things, open a bank account..


The most important video to watch - Now without the cost
of the full Dubai Real Estate Investment Course

A view that will save you costly mistakes and guide you to the best use of investment

How to choose the right investment in Dubai?

My budget is

that we can’t budge from the budget to make sure we can keep the deal. Depending on the budget we will concentrate on a specific area and a specific property type.


and the contractor and developer

the contractors in Dubai are divided into less reliable and less reliable. It is important to work on contractors who have experience, history, assets that have already been delivered and positive reviews. There are also contractors who specialize more in high-end construction and those who specialize in producing psilitis that are more attractive in the building. We would like to tailor the type of contractor to our investment purpose, to our budget, and make sure it works and builds in areas of interest to us..



We would like to invest in areas with high capacity and development potential, which have the potential for near urban development – trains, roads, schools, etc. In addition, the exact location of the construction is important in order to understand the expected end of land distribution in the same area, which will indicate future demand for that area. Proximity to the centre of Dubai will of course increase demand (First Circle area – Business Islands and Marina for example).



Property type

Are we investing in a studio apartment? A one-bedroom apartment? 2 rooms? What is the highest demand in the same area? What is right for our budget? It is important to understand and get to know the neighborhood and the specific area in which we invest, since there are areas where the demand is for villas in general, and especially for studio apartments – which can create a challenge for us when renting and selling it in the future.

Payment Plan

We would like to choose a project where the payment plan fits our business plan-contractors usually offer a 20% payment plan at the entrance to the transaction and deployment of the remaining 80% for a period of 3-8 years, interest-free and attaching. In addition, some contractors require a monthly payment, a quarterly part and an annual part – this is crucial in choosing the deal..


Dubai has lots of new projects, and they all look great. But beyond the pictures, it is important to check and understand the quality of their raw materials and the level of finish of their construction so that we do not find ourselves dealing with problems and problems in the future.



project-level advantages

in a specific project, we will want to examine the air directions, floors and the best areas to buy in, we will understand whether there are properties available at this stage and whether they fit our budget. I’d like a property with a view of a pool or a quiet street rather than a motorway for example.





These are all the steps
to buying an apartment in Dubai

1. Ability Test

Use Excel or the investment calculator we’ve prepared for you to figure out whether you can invest in Dubai based on your equity and monthly savings ability.



2. Write

a business plan with the help of equity and cash flow you can write a plan of what is the maximum budget for the asset that meets your budget, what will be the potential monthly returns and a calculation of how to complete the transaction in 3/4 years. With our guidance we formulate and write an accurate business plan for each investor, an example:

3. Finding a deal

at this stage we will look for deals that fit the relevant budget, investment time range and area. After receiving the transactions, we will examine their location, price per meter, potential increase in value based on regional development and apartments already delivered in the area and try, in negotiations with the contractor to accept surplus conditions.


4. Due diligence on the contractor and the entrepreneur

is important to work with recognized and well-resourced entrepreneurs and contractors. Dubai has more than 50 entrepreneurs. At Horizon we work with only 8 who have passed due diligence and found companies that are financially stable, deliver the projects on time, have good customer service, build in demand areas, good prices and a high level.



5 finish. Property Armor

The first step after we’ve closed on a project and a specific apartment is to lease it. Armor is a transfer of 10-20 NIS in favor of closing the property in our name so that it will not be sold to another buyer.



6. Signing the sale contract

and transferring weekly funds from the property, we will receive the SPA, or in Hebrew, purchase contract. We will review it, sign it and transfer the necessary amount to the developer into the project trust account.

Attention

The money does not go to any third party / lender / private person


must pass from you directly to the trust account of the project

. The purchase contracts in Dubai are written by the state and cannot be changed 


. Neither we nor the contractor himself

transfer the money to Dubai


through the bank or authorized money transfer companies that are regulated by the Ministry of Finance only!

7.

After a few months, you will receive a code on the government website where the registration of the property in your tabu will appear. Plus the receipts for the payments you made to the contractor.


8. Completion of purchase and rental/sale of the conference

after a few years has now arrived! You will be given a key to your apartment and can rent it out with the help of a management company (which we will gladly offer and help) or the sale of the apartment in Dubai by a registered broker (we are registered realtors in the Emirati Realtors Association)


Our Escorts to Dubai Property

01

Characterization Meeting

02

Preparing a business plan and goals

03

Finding a Deal

04

Deal Selection and Property Armour

05

Signing a contract and transferring the proceeds to the contractor

06

Receiving and renting/selling the property

5 Reasons Why You Need a Loan to Buy a Property

Accompaniment in your language

Our team speaks over 10 languages to give you all the service in the language that is convenient for you

Working with a lot of contractors

Instead of going to one or two contractors, we match you with the most relevant deal in a test with the best contractors in Dubai

Responsible for all bureaucracy

Assistance in finding the property, money transfers, receipts, passing on the contract in Hebrew, accompaniment throughout the construction and even after

Getting the cheapest deals

With the power of the community we are able to bring unique offers and high discounts only to Horizon Dubai members

And it's free!

The entire escorting process , from start to finish, is cost-free at all, so why go to the contractor directly?

International Deployment

We are located in 3 locations in the world - Petah Tikva, Dubai and Amsterdam

Important Tips

Be aware of the risks

as with any investment, Dubai real estate investment also has risks. Carry out full due diligence before making.


decisions Consult experts

Professional advice can save time, money and mistakes-we will always be happy to help and accompany you to your property in Dubai with the help of an experienced team, with over 50 deals we have done in the past two years.



.Long-term

investment in Dubai real estate is usually a long-term investment. Don’t expect a “cash register” in a short.



time Diversifying investments

It’s important to diversify your portfolio, investing in different assets and in different areas within Dubai to reduce risk.

Transparency and Support

Dubai offers great transparency and government support to investors, including foreign-friendly legislation and related services to facilitate investment processes.



Additional costs

Take into account additional costs such as maintenance fees and insurance when obtaining the property. When entering into the transaction, consider a 4% tax that goes toward setting up the trust account and political escorts for the project + escorts fee if you use our services or the services of an investor escorts company. 4% is paid to Dubai, not Israel.

The 5 Most Common Mistakes

Buy an apartment because it is beautiful״

Many investors forget that investing in real estate should be based on numbers, not based on a "pool on a balcony" or anything like that.

Buying an apartment at an inflated price

Most investors are unaware of the fact that they are buying an expensive property from the market price, and will find it difficult to sell it at the price they wanted.

The payment plan is not calculated correctly.

Dubai's payment plans are spread out over a long period of time, it's important to lay out the numbers on an orderly basis and make sure you can meet it even if there are no renters for a period of time.

Confused by all the projects and proposals, they decide not to do anything.

You get a million calls, meetings and offers, but nothing comes of it.

Working with unauthorized intermediaries

Which can be harmful to you as soon as you wish to receive a service/conduct with the contractor and in addition, it is against the law to work with an unauthorized intermediary who has not passed the tests and is subject to the Emirati law

How do you know your agent is licensed?

Request a company certificate & nbsp; + broker card showing he has an Emirati company  and a valid brokerage license

Examples of projects, prices
and rental potential

Project VERDANA

an example of a deal in 20-80

PROJECT LAKE VIEWS

Example deal at 20%+1% monthly interest-free

How do you choose the right property out of thousands?

We have prepared you a special tutorial video with tools to help you choose and analyze the offers you receive

How does our team of analysts analyze a real deal? Get an example

Market research that every investor gets in a group transaction

Here are some examples of investors who have already done this...
These are the results from the field.

Yossi Demri

“As a financial planner and pension agent, I was looking for an investment that combines low equity, a convenient payment plan, strong collateral and a stable market, and I found this without a doubt in Dubai and especially with Horizon Dubai.& nbsp;Thank you for everything champions”

Verdana 5

Verdana 5

Chen Weiss

“We started financial support with Shai, who built us a plan that includes an apartment in Israel and an apartment abroad. After the apartment in Israel it was clear that we would continue with him to Dubai via Horizon  🙂 Thanks for all the help and support along the way.”

Tamir Yosef

“From the beginning, I realized that this is a company that talks real estate and numbers. From the first moment Horizon opened Excel, we started running numbers and scrutinizing every transaction down to the smallest of subtleties. I wish I could buy another one!”

Lake Views 2

Oasiz

Noel and Nicole

“We had no idea our money could buy such a crazy apartment in Dubai. Shai and Rotem, the owners of Horizon, opened up our numbers and devised a plan that just excited us. And we purchased a perfect apartment on a high floor, an excellent view and a pool on the balcony for 100 NIS less than the starting price!”

Lake Hazan

“After receiving a small inheritance I came to Rotem and Shay from Horizon Dubai, after an hour and a half of meeting I had no doubt that I would continue with them. Finally meet people who actually accompany you at every stage and bully you instead of bullying them:) A huge thank you! Waiting for the next deal!”

Cove 2

Oz Schlein

“To the entire Horizon team, a huge thank you for a great deal. From the beginning, I knew you were something special. Your market work, analysis and all your accompaniment at every stage was above expectations, thank you!”

Cove Boulevard

Horizon on Podcasts

Horizon Press

Find an investment with the analysts

Meet our team

A team that includes financial planners, financial advisors and analysts! 

In 3 countries - Israel, Dubai and the Netherlands

We are here to walk you hand in hand on the way to a smart investment in Dubai, even if you have no previous experience in the field. We’ll build a plan that fits exactly your needs and budget, and make sure to find the deals with the highest growth potential.

Every transaction with us under scrutiny. We analyze a lot of parameters – know how much the neighbors paid for the apartments in the building, look at price per meter and compare everything that happens in the surrounding urban development. We have access to government systems that give us a complete picture, so we can weigh the viability of the transaction for you.

And sometimes, there’s a particular apartment that’s just the real bargain – the one that’s far from the elevator, with a slightly larger balcony or one that doesn’t have a garbage shaft next to it. All these little details help us understand not only whether the apartment is paying off now, but whether it will be attractive for sale in the future.

When you are with us, you are in good hands – we are here only for you, not for the contractors.

So... How do we make
real estate worthwhile?

Price per meter

We look at how much your neighbours on the floor, in the building and in the area paid and compare the figures to the offer we received

Competitor Research

Knowledge of prices, payment terms and incentives from other projects helps us in negotiations with the contractor and thus reduces costs

Urban Development

When we analyse Dubai's growth rate, we can estimate which projects will be worth more in the future

Isolated Apartment

On every floor there are apartments that are more simply better and easier to sell. We only recommend them to our investors.

We always get our investors the best deal

Step #1 / Investor Profile

After a characterization call, we built May an investor profile that includes everything that matters to him-the equity, the return capability and the objectives of the acquisition.

Step # 2 / Property Selection

After extensive market research , we presented May with several projects, which we analyzed together to choose the most suitable property for him. 
We chose a property with a 5% discount purchase perk

Step # 3 / Negotiations

One of the things that was most important to May was to bring down the cost of the apartment. So we started negotiating and ended up getting another 5% discount + 10% extra provided for higher equity at the entrance

Step # 4 / Purchase the property

May bought his apartment for NIS 615K instead of the price of NIS 790K-that is, he started the purchase, before going up in value, with a profit of more than nis 170K

4 Reasons You
Should Invest in Dubai

Positive immigration and Record-breaking tourism

Dubai has passed the 4 million population threshold and over 25 million tourists visit it each year, creating strong demand for short-and long-term rentals

Potential return

Dubai real estate prices up 84% from 202, that's 21% a year-trend continues

Apartment from the Contractor

A new property with a pool, a gym,and a high construction stud for the price of an apartment in Dimona

Urban Development

Dubai has detailed development plans that help us understand which properties are attractive

Shai Bibbs-Co - CEO and Co-Owner

He is 32, married to a singer and lives in Amsterdam, the Netherlands.
Senior lecturer at BDO College, financial planner and biochemist in the past:) 

Shay began investing at the age of 20, when he bought his first apartment in Dimona.
Since then, Shai has taken courses on a variety of topics in the financial world: value investments in the capital market, real estate entrepreneurship, international taxation,mortgages, and holds a real estate license in Israel, Dubai and the United States and holds real estate in Israel, the Netherlands, Germany, the United States and Dubai of course 🙂 

Shai owns 3 companies 
הו Horizon Course

-Ynow- Israel’s largest community for economic development and investment for millennials. with over 50,000 followers, a podcast about all the worlds of economics and investment andover 1,500,000 listening on platforms The various, as well as buyer groups for contractor transactions in Israel with over 500 purchasers through the community in the past two years!

Bibbs Investments- in which he accompanies couples and individuals to write the investment strategy that suits them best, according to opening data, goals, target returns and consideration of tax and risk aspects of each investor

who manages Horizon’s branch in the Netherlands and leads the company with European investors as well as our team of analysts to select the most interesting projects in

Dubai. There is no one investment that is right for everyone, understand first what you want to achieve, and then understand what is right for you:) 

Rotem Golan-Co-CEO and Co-Owner

32 years old, married to Daniel and Eli’s mother, lives in Herzliya.
Senior personal trainer, lecturer, and financial planner 

Rotem began investing at the age of 24, when she bought her first apartment in Haifa.
Since then Rotem has undergone courses and internships in the investment world, mainly with an emphasis on real estate in Israel and real estate in Dubai, and holds a family finance coach certificate.

Rotem currently owns real estate in Israel, Germany, and Dubai of course:) 

Rotem owns 2 
companiesריי Horizon of course

-Ynow – Israel’s largest community for economic development and investment for millennials. with over 50,000 followers, a podcast about all the worlds of economics and investment andover 1,500,000 listening platforms The various, as well as buyer groups for contractor transactions in Israel with over 500 purchasers through the community in the past two years!

Rotem manages the Israeli branch that sits on the TASE in Ramat Gan and is responsible for all the investor accompaniment processes, team management, customer experience, fund management and execution of the company’s goals program

. My credo-today investing is not a luxury, it is a must

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