Top investing tips for UAE residents in 2021 Build an emergency fund: Make sure you have enough cash to cover six months of expenses as a buffer against unexpected problems before you begin investing, advises Steve Cronin, the founder of DeadSimpleSaving.com. Think long-term: When you invest, you need to have a long-term mindset, so don’t worry about momentary ups and downs in the stock market. Invest worldwide: Diversify your investments globally, ideally by way of a global stock index fund. Is your money tied up: Avoid anything where you cannot get your money back in full within a month at any time without any penalty.