# Ali Zaigham Agha — Website & Insights

## Articles

- Corporate Credit Risk in the Oil and Gas Sector: What You Need to Know
  URL: https://www.alizaighamagha.com/insights/corporate-credit-risk-in-the-oil-and-gas-sector-what-you-nee
  Description: In the volatile oil and gas sector, corporate credit risk is a critical concern. This article explains what corporate credit risk is, what to watch for, and how to avoid common mistakes.

- UAE Dirham Fixed Income Alternatives 2026: A Skeptic's Guide
  URL: https://www.alizaighamagha.com/insights/uae-dirham-fixed-income-alternatives
  Description: A guide to UAE dirham fixed income alternatives for 2026, comparing sukuk, money market funds, and corporate bonds to standard bank deposits.

- Net-Net Stock Screening in the UAE: A Disciplined Deep-Value Approach
  URL: https://www.alizaighamagha.com/insights/net-net-screening-uae
  Description: How to apply classic Net-Net working-capital screens to DFM and ADX equities while accounting for liquidity, governance, and capital-structure risks.

- Corporate Credit Risk: How SMEs Can Structure Bankable Financing
  URL: https://www.alizaighamagha.com/insights/corporate-credit-risk-sme-financing
  Description: A credit-risk framework for small and medium businesses seeking corporate financing, term loans, and working-capital facilities in the UAE.

- Building a Mean-Reversion Signal in Pine Script for UAE Blue Chips
  URL: https://www.alizaighamagha.com/insights/algorithmic-momentum-pinescript
  Description: A quantitative look at combining RSI, Bollinger Bands, and volume-profile thresholds to generate disciplined entry signals on ADX and DFM names.

- Boring Wins: Why Diversified, Low-Cost, and Patient Beats Every 'Strategy'
  URL: https://www.alizaighamagha.com/insights/boring-wins-diversified-low-cost-patient
  Description: Nobody sells 'diversified, low-cost, and patient' because there's no Lamborghini in it. It also happens to be what works.

- Why Your Bank's Advisor Isn't Your Fiduciary
  URL: https://www.alizaighamagha.com/insights/why-your-banks-advisor-isnt-your-fiduciary
  Description: Understanding the difference between a fiduciary and a salesperson — and why it matters for your life savings.

- The Fee Audit: What You're Actually Paying to Invest
  URL: https://www.alizaighamagha.com/insights/the-fee-audit-what-youre-actually-paying
  Description: Most investors think they're paying 0.8% in fees. The real number is often 2%+. Here's how to find every layer of cost in your portfolio.

- Am I Too Late to Start Investing at 45, 50, or 55?
  URL: https://www.alizaighamagha.com/insights/too-late-to-start-investing-at-45-50-55
  Description: No — but the strategy changes. A 50-year-old shouldn't invest like a 25-year-old. Here's what actually matters when you start later.

- What a Portfolio Sanity Check Actually Looks Like
  URL: https://www.alizaighamagha.com/insights/what-a-portfolio-sanity-check-looks-like
  Description: A behind-the-scenes look at what happens when a credentialed analyst reviews your portfolio — the fees, the risks, and the questions your bank never answered.