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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


8.24%
8.56%
-
-
8.24%
8.56%
3


8.50%

8.84%
-
-
8.89%
9.19%
6


8.90%

9.27%

-
-
9.30%
9.52%
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


9.50%

9.92%
10.00%

10.00%

10.00%

9.54%
36


9.50%

9.92%
10.50%
10.50%

10.50%
9.56%
48


9.50%

9.92%

11.00%
11.00%
11.00%
9.54%
60


9.50%

9.92%

11.50%
11.50%
11.50%
9.51%

PeriodMonthlyAnnuallyMaturity
Months
Simple
AER
Simple
AER
Simple
AER
1


8.24%
8.56%
-
-
8.24%
8.56%
3


8.50%

8.84%
-
-
8.89%
9.19%
6


8.90%

9.27%

-
-
9.30%
9.52%
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


9.50%

9.92%
10.00%

10.00%

10.00%

9.54%
36


9.50%

9.92%
10.50%
10.50%

10.50%
9.56%
48


9.50%

9.92%

11.00%
11.00%
11.00%
9.54%
60


9.50%

9.92%

11.50%
11.50%
11.50%
9.51%

PeriodMonthlyAnnuallyMaturity
Months
Simple
AER
Simple
AER
Simple
AER
1


8.24%
8.56%
-
-
8.24%
8.56%
3


8.50%

8.84%
-
-
8.89%
9.19%
6


8.90%

9.27%

-
-
9.30%
9.52%
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


9.50%

9.92%
10.00%

10.00%

10.00%

9.54%
36


9.50%

9.92%
10.50%
10.50%

10.50%
9.56%
48


9.50%

9.92%

11.00%
11.00%
11.00%
9.54%
60


9.50%

9.92%

11.50%
11.50%
11.50%
9.51%