By Nimish Goel, Partner and Head of GCC, Dhruva Consultants

The UAE has never been a jurisdiction that shies away from bold reforms. From introducing VAT in 2018 to rolling out corporate tax in 2023, the country has consistently demonstrated its willingness to align with global best practices in fiscal governance. Now, with the Federal Tax Authority (FTA) and Ministry of Finance (MoF) preparing to enforce a nationwide eInvoicing regime by July 2026, the stakes are even higher.

This is not simply another compliance box to tick. eInvoicing represents a fundamental shift in the way financial data is created, exchanged, and monitored. Once live, every invoice, credit note, representing economic activity—whether for VAT-registered businesses, exempt transactions, out of scope transactions or even historically less scrutinized activities such as financial services, real estate, and designated zones—will be generated in a structured XML format, routed through accredited service providers, and validated in real time.

For finance leaders, the message is clear. The era of static PDFs and delayed reporting is over.

From paper trails to real time oversight

Globally, eInvoicing has proven to be a formidable tool in curbing tax evasion, automating new online services for taxpayers, plugging revenue leakages, and enhancing transparency. Jurisdictions that have adopted similar systems—such as Italy, India, and Latin America—have reported billions saved in fraud prevention and efficiency gains. The UAE has learned from these experiences and is designing a model that not only covers B2B and B2G transactions but also expands its reach to entities outside traditional VAT registration. There is an expectation that eInvoicing will eventually be extended to B2C transactions in the long term.

The result is to achieve full visibility of a Company’s entire transactions.  This creates a real time compliance environment where mistakes will no longer hide in quarterly filings—they will surface instantly.

This shift raises the bar dramatically for CFOs and tax teams. Any misclassification in VAT treatment, error in data capture, or system lag could invite audits, penalties, and reputational damage.

Why waiting until 2026 is a risky bet

Too many businesses still view July 2026 as a distant milestone. In reality, groundwork needs to begin now. Data readiness, ERP integration, internal processes and control reviews, and stakeholder alignment are not overnight tasks. They require months—if not years—of preparation. Additionally, the preparation for eInvoicing is time-consuming, especially for Companies in the UAE, as they are currently upgrading their ERP systems or discovering that their current systems lack integration capability.

Companies must immediately begin by assessing whether their existing systems are capable of generating structured XML invoices or if the mandatory data fields are available in their source systems to meet regulatory requirements. Simultaneously, finance teams should engage closely with service providers to ensure seamless integration across platforms. A thorough review of tax treatment is equally important to identify and close any gaps that could cause errors in reporting. Finally, validating digital signatures and aligning with the Federal Tax Authority’s compliance standards will be critical to building a robust and audit-ready framework.

The transition is not merely technical; it is strategic digital transformation that will impact every single point of the organization. Finance functions that embrace early adoption will find themselves with cleaner data, faster refund cycles, and potentially automated VAT filings in the long run. Those who wait will find themselves firefighting compliance failures under intense regulatory scrutiny.

Beyond compliance lies an opportunity to rethink finance

What excites me most about the mandate is not its punitive edge but its transformative potential. Done right, eInvoicing can be the foundation for a smarter, more data-driven finance function. Real-time reporting could allow CFOs to track receivables with unprecedented accuracy, benchmark customer payment behavior, and build predictive insights into cash flow management.

In short, the regulatory push can double as a business opportunity if approached proactively.

The road ahead for UAE businesses

The UAE’s eInvoicing journey is only beginning. The legislative updates expected in 2025 will provide further clarity, but businesses cannot afford to be passive. Those who treat this as a last-minute compliance sprint will struggle. Those who see it as a chance to modernize their finance function will thrive.

At Dhruva, we believe the next 10-11 months are critical. Our role is not just to interpret regulations but to help businesses reimagine compliance as a value-creating exercise. The clock is ticking, and July 2026 is closer than it seems.

The question for every business leader is simple. Will you be prepared when the switch is flipped to real time?

By Raaed Sheibani, UAE Country Manager, StashAway

Long-term wealth investing is how you turn a first paycheck into lasting freedom in the UAE. With long-term investing, you build a safety net, automate contributions, and let compounding do the heavy lifting—so today’s income becomes tomorrow’s options.

Long-term wealth investing basics: start here

Before your first trade, set a safety net. Build an emergency fund covering 3–6 months of expenses. Keep it liquid and low risk. Then, park it in a cash management solution rather than an idle current account. Inflation erodes purchasing power; a sensible yield helps you sleep at night and stay invested during shocks.

Two engines of long-term wealth investing: DCA & compounding

Dollar-cost averaging (DCA). Invest a fixed amount on a schedule—regardless of headlines. Sometimes you buy high; often you buy low. Over time, your average cost smooths out, emotions calm down, and you capture the market’s trend. Historically, many of the market’s best days cluster near the worst; therefore, timing often backfires, while DCA keeps you in the game.

Compound growth. Returns earn returns. Start earlier, and compounding does more of the work. For example, with a 6% annual return, investing about $490 per month from age 25 can reach $1 million by age 65. Wait until 35 and you’ll need roughly $952; at 45, it’s about $2,023. Time in the market beats perfect timing.

Build your core portfolio for long-term wealth

Your core is the engine. Aim for a globally diversified, long-only mix across equities, bonds, and real assets. Avoid “home bias”; spread exposure across regions and sectors. Moreover, automate contributions so the plan runs while you work.

Consider risk in layers. Equities drive growth. Bonds dampen drawdowns and fund rebalancing. Real assets, including gold, add diversification. Rebalance periodically to lock in discipline: trim winners, top up laggards, and keep risk aligned to your goals.

Make the math work for you

Consistency compounds. Invest $1,000 monthly for 20 years at 6% and $240,000 in contributions can grow to over $440,000. The gap is compounding plus habit. Likewise, fees matter. Lower costs leave more return in your pocket, and tax-aware choices improve after-fee, after-tax outcomes.

Add satellites—without losing the plot

Once the foundation is solid, consider a core–satellite approach. Keep 70–80% in the core. Then, use 20–30% for targeted themes: clean energy, AI, healthcare innovation, or specific regions. Thematic ETFs can express these views efficiently. Because satellites carry a higher risk, cap their size and set clear review dates. If a theme drifts off the thesis, rotate back to the core.

Look beyond public markets as wealth grows

For qualified, higher-net-worth investors, private markets can broaden opportunities. Many large, fast-growing companies stay private longer. Select exposure to private equity, private credit, or venture—sized prudently—may enhance diversification and long-run returns. However, consider liquidity, fees, and manager quality. Align commitments with your time horizon so you never become a forced seller.

Guardrails that keep you on track

Write an Investment Policy Statement (IPS). Define risk level, contribution cadence, rebalancing rules, and when you’ll make changes. Then, automate to reduce decision fatigue. Additionally, track a few metrics: savings rate, fee drag, drawdown tolerance, and progress to goals. Celebrate streaks—months contributed, quarters rebalanced—to reinforce behavior.

A simple roadmap to your first million

1. Fund 3–6 months of expenses.
2. Automate DCA into a diversified core.
3. Rebalance on a set schedule.
4. Add satellites thoughtfully, 20–30% max.
5. Review fees, taxes, and liquidity.
6. Increase contributions as income rises.

Long-term wealth investing is not a secret. It’s a system: foundations first, habits next, scale last. Start small if needed, start now if possible, and let time do its quiet work.

Check Out Our Previous Post on UAE depreciation rules: real estate’s tax edge

By Shabbir Moonim, CFO, The Continental Group

UAE depreciation rules just gave real estate a quiet but valuable upgrade. For owners who elect the realisation basis—deferring tax until sale—the guidance now allows a capped annual deduction up to 4% on original cost or written-down tax value even when properties sit at fair value. That tweak won’t change the reasons to own property; it will change how the asset performs inside a tax-aware portfolio.

UAE depreciation rules: what changed

Historically, businesses faced a trade-off. If you valued property at fair value, you gained market-reflective reporting but lost depreciation. If you used historical cost, you kept depreciation but sacrificed market alignment. The new guidance removes that friction. Consequently, you can keep fair-value reporting and recognise year-on-year tax relief—while still taxing gains on realisation.

How UAE depreciation rules lift internal returns

Property isn’t judged only by appreciation. Cash flow, tax outcomes, and reinvestment capacity matter just as much. Here, the annual deduction acts like an efficiency dividend: it offsets taxable income, raises post-tax returns, and frees cash for debt reduction, maintenance capex, or growth. Even at 4%, the effect compounds across multi-year holds and multi-asset portfolios, especially where liquidity needs are modest.

Fair value plus depreciation: a cleaner model for allocators

With depreciation now available under fair value, asset allocators can compare real estate more cleanly with private equity, listed securities, and insurance portfolios. Assumptions for tax and cash flow become clearer. Moreover, fair-value carrying amounts keep balance sheets aligned with market conditions, while the deduction provides recurring relief that supports stable planning.

CFO checklist: capturing the UAE depreciation benefit

1) Confirm the realisation basis. Ensure the election is in place and tied to the relevant entities.
2) Map the cap. Model the 4% limit by asset; prioritise where cash-flow uplift is most material.
3) Align books and tax. Keep fair-value for reporting; maintain disciplined tax bases and schedules.
4) Optimise structure. Revisit SPVs, intercompany leases, and financing so deductions land against income.
5) Pre-commit reinvestment. Direct freed cash to deleveraging, resilience capex, or higher-yield opportunities.
6) Document governance. Evidence valuations, elections, and controls to reduce audit friction.

Risks and realities: keep perspective

This is a tailwind, not a thesis. Real estate remains a long-horizon asset with rate, liquidity, and operating-cost sensitivities. Tenancy quality, interest cover, and capex discipline still drive outcomes. Cross-border groups should coordinate transfer pricing and substance to avoid leakage. In short, use the rule to improve performance; don’t rely on it to create performance.

Strategic takeaway: predictability that compounds

Small, rules-based changes can meaningfully enhance strategy. The updated UAE depreciation rules convert property from a passive store of value into an active contributor to tax planning and capital management. Just as importantly, they signal policy predictability—guidance that supports investment without favouring any single structure. For owners building across decades, that predictability underpins steadier decisions, clearer reporting, and healthier reinvestment cycles.

Bottom line: Real estate still stores capital, diversifies risk, and stabilises wealth. Now, with fair-value depreciation in play, it also works harder inside the portfolio.

Check out our previous post, Wio Xero integration simplifies UAE SME accounting