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TERM INVESTMENTS (WAKALAH FOR INVESTMENT)


Wakalah refers to a contract where an investor authorizes an entrepreneur (Al-Falaah) to do certain financial transactions on his/her behalf. It is a contract of agency where Al-Falaah will act as an agent of the investor, while charging a fixed management fee (Wakalah Fee). The profit of the Wakalah will be shared according to a mutually pre-agreed profit rate. If the agent succeeds in generating a surplus (higher than agreed profit rate), he/she may retain it as agreed on the Wakalah Agreement. Benefits at a glance: Higher profits, Highest Safety and Security Long term financial planning.

Wakalah Investments, while providing an alternative to fixed or term deposit methodology, gives the investor a path to plan out investment returns and financial security.

  • Higher profits
  • Highest Safety and Security
  • Long term financial planning
  • Corporate Fixed deposits
PeriodMonthlyAnnuallyMaturity
Months
Simple
AER
Simple
AER
Simple
AER
1


-
-
-
-
7.00%
7.23%
3


7.22%



7.46%


-
-
7.50%



7.71%
6


7.22%



7.46%



-
-
7.50%



7.64%
12


7.69%
7.97%
8.00%
8.00%

8.00%
8.00%

13


7.69%
7.97%
-
-
8.00%
7.97%

18


7.69%
7.97%
-
-
8.00%

7.85%
24


8.15%

8.46%

8.50%

8.50%

8.50%

8.17%
36


8.61%

8.96%

9.00%
9.00%

9.00%
8.29%
48


9.07%

9.46%



9.50%
9.50%
9.50%
8.39%
60


9.53%

9.96%



10.00%
10.00%
10.00%
8.45%



PeriodMonthlyAnnuallyMaturity
Months
Simple
AER
Simple
AER
Simple
AER
1


-
-
-
-
7.00%
7.23%
3


7.22%



7.46%


-
-
7.50%



7.71%
6


7.22%



7.46%



-
-
7.50%



7.64%
12


7.69%
7.97%
8.00%
8.00%

8.00%
8.00%

13


7.69%
7.97%
-
-
8.00%
7.97%

18


7.69%
7.97%
-
-
8.00%

7.85%
24


8.15%

8.46%

8.50%

8.50%

8.50%

8.17%
36


8.61%

8.96%

9.00%
9.00%

9.00%
8.29%
48


9.07%

9.46%



9.50%
9.50%
9.50%
8.39%
60


9.53%

9.96%



10.00%
10.00%
10.00%
8.45%



PeriodMonthlyAnnuallyMaturity
Months
Simple
AER
Simple
AER
Simple
AER
1


-
-
-
-
7.00%
7.23%
3


7.22%



7.46%


-
-
7.50%



7.71%
6


7.22%



7.46%



-
-
7.50%



7.64%
12


7.69%
7.97%
8.00%
8.00%

8.00%
8.00%

13


7.69%
7.97%
-
-
8.00%
7.97%

18


7.69%
7.97%
-
-
8.00%

7.85%
24


8.15%

8.46%

8.50%

8.50%

8.50%

8.17%
36


8.61%

8.96%

9.00%
9.00%

9.00%
8.29%
48


9.07%

9.46%



9.50%
9.50%
9.50%
8.39%
60


9.53%

9.96%



10.00%
10.00%
10.00%
8.45%