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      <image:title>Insights - HerSphere Weekend Edit: 5 Things to Do in Dubai This Weekend (6–8 November)</image:title>
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      <image:title>Insights - HerSphere Weekend Edit: 5 Things to Do in Dubai This Weekend (6–8 November)</image:title>
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      <image:title>Insights - HerSphere Weekend Edit: 5 Things to Do in Dubai This Weekend (6–8 November)</image:title>
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      <image:title>Insights - Inside Her Sphere: A Money Guide Written for Women in the UAE</image:title>
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      <image:title>Insights - HERSPHERE DUBAI WEEKEND EDIT - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - HERSPHERE DUBAI WEEKEND EDIT - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - HERSPHERE DUBAI WEEKEND EDIT - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - HERSPHERE DUBAI WEEKEND EDIT - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - HERSPHERE DUBAI WEEKEND EDIT - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - HERSPHERE DUBAI WEEKEND EDIT - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Affordable activities for homeschoolers and any family watching the budget  - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Affordable activities for homeschoolers and any family watching the budget  - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - What I Want My Children to Remember - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - What I Want My Children to Remember - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - What I Want My Children to Remember - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Connect Generations Dubai: What Families Pass Down - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Connect Generations Dubai: What Families Pass Down - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Introducing The Bureau - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Introducing The Bureau - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Introducing The Bureau - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.hersphere.ae/hersphere-insights/the-new-uae-banking-rule-every-freelancer-and-sole-trader-should-know-about-this-week</loc>
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    <lastmod>2026-09-10</lastmod>
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      <image:title>Insights - The New UAE Banking Rule Every Freelancer and Sole Trader Should Know About This Week - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.hersphere.ae/hersphere-insights/dubai-eye-interview-about-my-loss-experience-and-hersphere-mission</loc>
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    <lastmod>2026-09-14</lastmod>
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      <video:title>Insights - Dubai Eye Interview about My Loss Experience and HerSphere Mission</video:title>
      <video:description>Live Interview with Anna Heenan—Founder of Herphere—on Dubai Eye—about her partner's loss experience and why HerSphere exists.</video:description>
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      <video:title>Insights - Dubai Eye Interview about My Loss Experience and HerSphere Mission</video:title>
      <video:description>Insights - Dubai Eye Interview about My Loss Experience and HerSphere Mission</video:description>
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    <lastmod>2026-09-03</lastmod>
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      <image:title>Insights - What Happens to Your UAE Bank Account After Death — And How to Protect Your Family Before It's an Issue - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.hersphere.ae/hersphere-insights/how-much-will-you-really-need-to-retire</loc>
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    <lastmod>2026-10-19</lastmod>
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      <image:title>Insights - How Much Will You Really Need to Retire? - Make it stand out</image:title>
      <image:caption>Most people plan their retirement based on what they hope they will have. The useful calculation starts with what they will actually need. Step 1 — Estimate Your Retirement Expenses Begin with your current monthly expenses (from your budget — see Post 3 in this series). Then adjust for retirement: Remove: mortgage payments (ideally paid off by retirement), school fees, commuting costs Add: higher healthcare costs — these increase significantly with age, and in the UAE this is entirely private Add: travel — many retirees spend more on travel in early retirement than during their working years Add: leisure and lifestyle — time replaces work, and time costs money Consider: where will you live? UAE retirement visa exists but residency is not guaranteed indefinitely A conservative estimate: retirement expenses are typically 70–90% of pre-retirement monthly expenses Step 2 — Calculate the Capital Required Once you have an estimated monthly income need in retirement, you can work backwards to a capital target. A widely used planning rule is the 4% rule: you can withdraw 4% of your invested capital annually without depleting it over a 25–30 year retirement. Monthly income needed in retirement: AED 20,000 = AED 240,000 per year Capital required at 4% withdrawal rate: AED 240,000 ÷ 0.04 = AED 6,000,000 Monthly income needed: AED 30,000 = AED 360,000 per year → capital required: AED 9,000,000 Monthly income needed: AED 15,000 = AED 180,000 per year → capital required: AED 4,500,000 Note: the 4% rule assumes a diversified investment portfolio. Adjust for inflation and UAE-specific considerations Step 3 — Identify Your Current Position Add up what you currently have that will contribute to retirement capital: Existing savings and investment accounts Property equity (if you own property you plan to sell) UAE end-of-service gratuity projection (based on current salary and expected years of service) Home country pension entitlements (if any — UK state pension, for example, may still accrue for qualifying years) Business equity (if you own a business you expect to sell) Any inheritance expected (treat this as uncertain — plan without it, use it as a buffer if it arrives) Step 4 — Bridge the Gap The difference between your current position and your capital target is your savings gap. Divide that gap by the number of months remaining until your target retirement age. That is the monthly saving and investment contribution required — in addition to what you already have. For a 40-year-old with 25 years to retirement, this calculation is still very manageable. The power of compound growth over 25 years means that consistent monthly contributions into a well-structured investment portfolio can close a significant gap. For a 50-year-old with 15 years, the calculation is tighter but still actionable — it may simply require a higher monthly contribution or a later retirement target. The UAE Retirement Visa — What It Is and What It Is Not The UAE offers a retirement visa for those aged 55 and over who meet one of the following criteria: savings of AED 1 million or more, a property investment of AED 1 million or more, or a monthly income of AED 20,000 or more from a pension or passive source. This visa allows residency — it does not provide any financial benefit or healthcare coverage. All healthcare in retirement in the UAE is private and must be self-funded or covered by private insurance. Meet Carla — HerSphere Trusted Financial Partner Carla is a UAE-based independent financial advisor specialising in financial planning and management — life insurance, education savings plans, retirement planning, and personal financial strategy. She works with clients in the UAE and internationally. HerSphere readers receive: — A complimentary 20-minute introductory consultation — 10–15% discount on her services when you mention your HerSphere referral code — Your HerSphere referral code will be shared with you on sign-up. Mention it when you make contact. Contact Carla: HerSphere Financial Planning Series  ·  hersphere.ae</image:caption>
    </image:image>
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      <image:title>Insights - How Much Will You Really Need to Retire? - Carla De Silvo</image:title>
      <image:caption>Senior Financial Planner   M: +971 (0) 52 168 3614  T: +971 (0) 4 320 8065</image:caption>
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