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    <title>Ali Zaigham Agha — Insights</title>
    <link>https://www.alizaighamagha.com/insights</link>
    <description>Qualified second opinions on stocks, crypto, and bonds — in plain English for everyday investors.</description>
    <language>en</language>
    <lastBuildDate>Mon, 27 Jul 2026 11:06:27 GMT</lastBuildDate>
    <item>
      <title>Corporate Credit Risk in the Oil and Gas Sector: What You Need to Know</title>
      <link>https://www.alizaighamagha.com/insights/corporate-credit-risk-in-the-oil-and-gas-sector-what-you-nee</link>
      <guid>https://www.alizaighamagha.com/insights/corporate-credit-risk-in-the-oil-and-gas-sector-what-you-nee</guid>
      <pubDate>Mon, 27 Jul 2026 00:00:00 GMT</pubDate>
      <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.</description>
      <category>oil and gas</category>
      <category>credit risk</category>
      <category>corporate risk</category>
    </item>

    <item>
      <title>UAE Dirham Fixed Income Alternatives 2026: A Skeptic&apos;s Guide</title>
      <link>https://www.alizaighamagha.com/insights/uae-dirham-fixed-income-alternatives</link>
      <guid>https://www.alizaighamagha.com/insights/uae-dirham-fixed-income-alternatives</guid>
      <pubDate>Mon, 27 Jul 2026 00:00:00 GMT</pubDate>
      <description>A guide to UAE dirham fixed income alternatives for 2026, comparing sukuk, money market funds, and corporate bonds to standard bank deposits.</description>
      <category>Fixed Income</category>
      <category>UAE Dirham</category>
      <category>Sukuk</category>
      <category>Money Market Funds</category>
      <category>Corporate Bonds</category>
    </item>

    <item>
      <title>Net-Net Stock Screening in the UAE: A Disciplined Deep-Value Approach</title>
      <link>https://www.alizaighamagha.com/insights/net-net-screening-uae</link>
      <guid>https://www.alizaighamagha.com/insights/net-net-screening-uae</guid>
      <pubDate>Mon, 15 Jun 2026 00:00:00 GMT</pubDate>
      <description>How to apply classic Net-Net working-capital screens to DFM and ADX equities while accounting for liquidity, governance, and capital-structure risks.</description>
      <category>DFM</category>
      <category>ADX</category>
      <category>deep value</category>
      <category>net-net</category>
      <category>value investing</category>
      <category>UAE equities</category>
    </item>

    <item>
      <title>Corporate Credit Risk: How SMEs Can Structure Bankable Financing</title>
      <link>https://www.alizaighamagha.com/insights/corporate-credit-risk-sme-financing</link>
      <guid>https://www.alizaighamagha.com/insights/corporate-credit-risk-sme-financing</guid>
      <pubDate>Wed, 10 Jun 2026 00:00:00 GMT</pubDate>
      <description>A credit-risk framework for small and medium businesses seeking corporate financing, term loans, and working-capital facilities in the UAE.</description>
      <category>corporate banking</category>
      <category>SME financing</category>
      <category>credit risk</category>
      <category>UAE</category>
    </item>

    <item>
      <title>Building a Mean-Reversion Signal in Pine Script for UAE Blue Chips</title>
      <link>https://www.alizaighamagha.com/insights/algorithmic-momentum-pinescript</link>
      <guid>https://www.alizaighamagha.com/insights/algorithmic-momentum-pinescript</guid>
      <pubDate>Fri, 05 Jun 2026 00:00:00 GMT</pubDate>
      <description>A quantitative look at combining RSI, Bollinger Bands, and volume-profile thresholds to generate disciplined entry signals on ADX and DFM names.</description>
      <category>Pine Script</category>
      <category>algorithmic trading</category>
      <category>mean reversion</category>
      <category>ADX</category>
      <category>DFM</category>
    </item>

    <item>
      <title>Boring Wins: Why Diversified, Low-Cost, and Patient Beats Every &apos;Strategy&apos;</title>
      <link>https://www.alizaighamagha.com/insights/boring-wins-diversified-low-cost-patient</link>
      <guid>https://www.alizaighamagha.com/insights/boring-wins-diversified-low-cost-patient</guid>
      <pubDate>Sat, 05 Jul 2025 00:00:00 GMT</pubDate>
      <description>Nobody sells &apos;diversified, low-cost, and patient&apos; because there&apos;s no Lamborghini in it. It also happens to be what works.</description>
      <category>investment strategy</category>
      <category>diversification</category>
      <category>passive investing</category>
      <category>long-term investing</category>
    </item>

    <item>
      <title>Why Your Bank&apos;s Advisor Isn&apos;t Your Fiduciary</title>
      <link>https://www.alizaighamagha.com/insights/why-your-banks-advisor-isnt-your-fiduciary</link>
      <guid>https://www.alizaighamagha.com/insights/why-your-banks-advisor-isnt-your-fiduciary</guid>
      <pubDate>Tue, 01 Jul 2025 00:00:00 GMT</pubDate>
      <description>Understanding the difference between a fiduciary and a salesperson — and why it matters for your life savings.</description>
      <category>fiduciary</category>
      <category>financial advice</category>
      <category>bank advisor</category>
      <category>conflicts of interest</category>
    </item>

    <item>
      <title>The Fee Audit: What You&apos;re Actually Paying to Invest</title>
      <link>https://www.alizaighamagha.com/insights/the-fee-audit-what-youre-actually-paying</link>
      <guid>https://www.alizaighamagha.com/insights/the-fee-audit-what-youre-actually-paying</guid>
      <pubDate>Wed, 25 Jun 2025 00:00:00 GMT</pubDate>
      <description>Most investors think they&apos;re paying 0.8% in fees. The real number is often 2%+. Here&apos;s how to find every layer of cost in your portfolio.</description>
      <category>fee transparency</category>
      <category>fund fees</category>
      <category>portfolio costs</category>
      <category>investment education</category>
    </item>

    <item>
      <title>Am I Too Late to Start Investing at 45, 50, or 55?</title>
      <link>https://www.alizaighamagha.com/insights/too-late-to-start-investing-at-45-50-55</link>
      <guid>https://www.alizaighamagha.com/insights/too-late-to-start-investing-at-45-50-55</guid>
      <pubDate>Fri, 20 Jun 2025 00:00:00 GMT</pubDate>
      <description>No — but the strategy changes. A 50-year-old shouldn&apos;t invest like a 25-year-old. Here&apos;s what actually matters when you start later.</description>
      <category>retirement planning</category>
      <category>investing later in life</category>
      <category>portfolio strategy</category>
      <category>financial independence</category>
    </item>

    <item>
      <title>What a Portfolio Sanity Check Actually Looks Like</title>
      <link>https://www.alizaighamagha.com/insights/what-a-portfolio-sanity-check-looks-like</link>
      <guid>https://www.alizaighamagha.com/insights/what-a-portfolio-sanity-check-looks-like</guid>
      <pubDate>Sun, 15 Jun 2025 00:00:00 GMT</pubDate>
      <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.</description>
      <category>portfolio review</category>
      <category>fee audit</category>
      <category>independent analysis</category>
      <category>financial education</category>
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