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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
-
-
-
-
8.00%

8.30%

3
9.50%
9.92%

-
-
10.00%

10.38%

6
9.50%
9.92%

-
-
10.00%

10.25%

12
9.00%
9.38%



9.50%

9.50%

9.50%

9.50%

13
9.00%
9.38%



-
-
9.50%

9.46%

18
9.00%
9.38%



-
-
9.50%

9.29%

24
9.00%
9.38%



9.50%

9.50%

9.50%

9.09%

36
9.00%
9.38%



10.00%

10.00%

10.00%

9.14%

48
8.50%
8.84%

10.50%

10.50%

10.50%

9.16%

60
8.50%
8.84%

11.00%

11.00%



11.00%

9.16%

PeriodMonthlyAnnuallyMaturity
Months
Simple
AER
Simple
AER
Simple
AER
1
-
-
-
-
8.00%

8.30%

3
9.50%
9.92%

-
-
10.00%

10.38%

6
9.50%
9.92%

-
-
10.00%

10.25%

12
9.00%
9.38%



9.50%

9.50%

9.50%

9.50%

13
9.00%
9.38%



-
-
9.50%

9.46%

18
9.00%
9.38%



-
-
9.50%

9.29%

24
9.00%
9.38%



9.50%

9.50%

9.50%

9.09%

36
9.00%
9.38%



10.00%

10.00%

10.00%

9.14%

48
8.50%
8.84%

10.50%

10.50%

10.50%

9.16%

60
8.50%
8.84%

11.00%

11.00%



11.00%

9.16%

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%