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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


-
-
-
-
6.50%
6.70%
3


6.50%



6.70%


-
-
7.00%



7.19%
6


6.75%



6.96%



-
-
7.00%



7.12%
12


7.00%
7.23%
7.50%
7.50%

7.50%
7.50%

13


7.00%
7.23%
-
-
7.50%
7.48%

18


7.00%
7.23%
-
-
7.50%

7.37%
24


7.50%

7.76%

8.00%

8.00%

8.00%

7.70%
36


7.50%

7.76%

8.00%
8.00%

8.00%
7.43%
48


7.50%


7.76%

8.50%
8.50%
8.50%
7.59%
60


7.50%


7.76%

9.00%
9.00%
9.00%
7.71%



PeriodMonthlyAnnuallyMaturity
Months
Simple
AER
Simple
AER
Simple
AER
1


-
-
-
-
6.50%
6.70%
3


6.50%



6.70%


-
-
7.00%



7.19%
6


6.75%



6.96%



-
-
7.00%



7.12%
12


7.00%
7.23%
7.50%
7.50%

7.50%
7.50%

13


7.00%
7.23%
-
-
7.50%
7.48%

18


7.00%
7.23%
-
-
7.50%

7.37%
24


7.50%

7.76%

8.00%

8.00%

8.00%

7.70%
36


7.50%

7.76%

8.00%
8.00%

8.00%
7.43%
48


7.50%


7.76%

8.50%
8.50%
8.50%
7.59%
60


7.50%


7.76%

9.00%
9.00%
9.00%
7.71%



PeriodMonthlyAnnuallyMaturity
Months
Simple
AER
Simple
AER
Simple
AER
1


-
-
-
-
6.50%
6.70%
3


6.50%



6.70%


-
-
7.00%



7.19%
6


6.75%



6.96%



-
-
7.00%



7.12%
12


7.00%
7.23%
7.50%
7.50%

7.50%
7.50%

13


7.00%
7.23%
-
-
7.50%
7.48%

18


7.00%
7.23%
-
-
7.50%

7.37%
24


7.50%

7.76%

8.00%

8.00%

8.00%

7.70%
36


7.50%

7.76%

8.00%
8.00%

8.00%
7.43%
48


7.50%


7.76%

8.50%
8.50%
8.50%
7.59%
60


7.50%


7.76%

9.00%
9.00%
9.00%
7.71%