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TERM INVESTMENTS (WAKALA FOR INVESTMENT)


Wakala 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 (Wakala Fee). The profit of the Wakala 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 Wakala Agreement. Benefits at a glance: Higher profits, Highest Safety and Security Long term financial planning.

Wakala 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
15.50%


16.65%

-
-
15.50%




16.65%




3
15.50%




16.65%




-
-
17.00%




18.11%



6
15.75%





16.94%




-
-
17.50%




18.27%




12
18.00%

19.56%


20.00%



20.00%




20.00%



20.00%




13
16.50%

17.81%


-
-
18.50%




18.37%




18
18.00%

19.56%


-
-
19.00%




18.20%




24
17.50%





18.97%




18.50%



18.50%






18.50%


17.05%




36
18.00%

19.56%




19.00%




19.00%




19.00%




16.23%




48
14.25%

15.22%




15.50%




15.50%




15.50%




12.82%




60
14.25%
15.22%
15.50%
15.50%
15.50%
12.16%

PeriodMonthlyAnnuallyMaturity
(Months)
Simple
AER
Simple
AER
Simple
AER
1
15.50%



16.65%



-
-
15.50%




16.65%




3
15.50%




16.65%


-
-
17.00%






18.11%




6
15.75%




16.94%




-
-
17.50%






18.27%




12
18.50%




20.15%




20.50%




20.50%




20.50%






20.50%




13
17.00%




18.39%






-
-
19.00%




18.86%




18
18.50%




20.15%



-
-
19.50%






18.66%




24
18.00%




19.56%






19.00%




19.00%




19.00%




17.47%




36
18.50%




20.15%




19.50%




19.50%




19.50%






16.59%




48
14.75%




15.79%




16.00%






16.00%






16.00%




13.16%




60
14.75%






15.79%






16.00%




16.00%




16.00%






12.47%




MonthsWakala FD APR
Simple Rate % p.a. Monthly Profit
Wakala FD APR
Simple Rate % p.a. Annual Profit
Wakala FD APR
Simple Rate % p.a. Maturity Profit
1
-
-
13.71%
3
13.91%
-
14.83%
6
14.35%
-
15.33%
12
15.66%
16.83%
16.83%
13
15.66%
-
16.83%
24
16.30%
17.58%
17.58%
36
16.73%
18.08%
18.08%
48
16.73%
18.08%
18.08%
60
17.59%
19.08%
19.08%