ABCDEFGH Formula To Growing Your Money The Shariah Compliant Way In Singapore…

Sun, Jan 1, 2017

Investment

At times, when I discuss wealth management strategies with my friends, they say it’s difficult to make money the shariah compliant way in Singapore.

It’s easier in Malaysia.

In Indonesia. In Bangladesh. Or in Saudi Arabia.

But not in Singapore.

As a Muslim financial consultant who specialises in helping Muslim families plan their finances the shariah compliant way in Singapore, I am here to debunk such limiting beliefs.

I sum in up with my secret ABCDEFGH formula… I learnt it from my friends, fellow financial practitioners, and then innovate it further to ensure that it is customised and suitable for Muslims in Singapore.

Here it goes! ūüôā

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Affordable

Investments today are affordable.

nasi_lemak

With only the price of a plate of nasi lemak with crispy chicken wing ($5/day),
or $150/mth, you can kickstart your investment plan.

You can start planning your finance the shariah compliant way in Singapore.

Yes… With that $150/mth you can have¬†access to shariah compliant stocks in our shariah compliant fund.

Shariah compliant stocks like….
Apple Inc
Microsoft Corp
Intel Corp
Google
Adobe
Harvey Norman

You¬†DON’T have to fork out hundreds of thousands of dollars to buy shares.

Yes! At a price of a plate of nasi lemak with crispy chicken wings ($5/day)
OR only $150/mth,
you can begin to invest in shariah compliant fund that consists of these shariah compliant stocks.
Super affordable right? ūüôā

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Better Returns

You and I know that there is this thing called inflation.

It means that the value of your money erodes. Your purchasing power reduces.

Simply to say, your plate of nasi lemak with crispy chicken wings that costs you $5 today, will DOUBLE in price 10 years down the road.

The only logical choice that you have is to invest.
Make your money work harder.

Invest and grow your money to hedge and beat inflation.

And while you are at it, why don’t you do it the shariah compliant way?

your_financial_map

Arrange “Your Financial M.A.P.” session at Takaful.sg for FREE.

And I will share with you more of my simple, easy to follow and proven financial strategies,
that can help you get an effective PROFIT rate of between 3-5%/annum
for an investment time horizon of 20 years.

That is better than leaving your money under your pillow or perhaps for some of you, in
your Khong Guan biscuit tin.
Do it with me.
And do it the shariah compliant way at Takaful.sg
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Coverage

Gone are the days, where when we mentioned coverage, we have to do it the conventional way.

colorful_umbrella

Today you can have Death, Total & Permanent Disability
AND Critical Illness coverage, the shariah compliant way.

You can adjust the coverage, that you want.

And the plan comes with a shariah compliant underlying fund.

In addition to that, an aqad contract can be done to remedy Maysir (Speculation) and Gharar (Uncertainty).
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Diversification

With a limited amount of money, you can diversify your funds.

Yes… With that $150/mth you can have¬†access to shariah compliant stocks in our shariah compliant fund.

Shariah compliant stocks like….
Apple Inc
Microsoft Corp
Intel Corp
Google
Adobe
Harvey Norman

You know the old saying, “don’t put your eggs in one basket”.

dont_put_your_eggs_one_basket
Again. Arrange “Your Financial M.A.P.” session at Takaful.sg for FREE.

And I will share with you my simple yet effective shariah compliant diversification formulae.
In addition, to the diversification strategies, I shared above.

It is customised specifically for Muslims who live in Singapore.
Schedule a session now! ūüôā

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Easy Investment

A lot of my clients invest in stocks.

When I mention invest in stocks, I really mean it.

They do their homework.
headache_investment_strategies

They download the companies annual report.
And read the director’s statement.

To understand the companies direction better, they do a SWOT analysis on the companies.

Fundamental Analysis. Calculate the profitability, liquidity and investment ratios….
Vertical, horizontal analysis on the financial statements.

Calculate the intrinsic value of the particular stocks. Immerse themselves with further technical analysis.
100 days moving average, 150 days moving average. Many, many more time consuming researches…
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In the end, I looked at them sympathetically and asked them…
“Tired or not???”

tired_man

Most replied with a look of despair on their face,
“Of course tired lah!!”

And I¬†probed them further, “Where do you find time to do all those time consuming research?”

Most replied when they came back home after 10 full hours of office work.
Go back home.

Straight to their computers.

Staring at the screen.

Busy punching numbers into their excel spreadsheets.

Stared hard again at the flickering charts on the screen.
Every. Single. Night.
Vicious cycle. And it continues on and on.

I told the, why not choose the easy way?

Dollar Cost Average… Put money monthly every month, and top up when the market price goes down.
Still can make a good, fair share of Halal profits.

And, now imagine.
All the time, you save, from having to spend countless hours of research,
you begin to spend it on your wife and kids,
your love ones.

How much ROI will you put in terms of quality time spend with your wife and kids?
Can you give a figure in terms of % to it?

helmi_hakim_enjoy_life_morocco
(Myself with my wife, enjoying ourselves during our honeymoon at Morocco)

That is why I love this formula.
Easy Investment = More Quality Time With Your Love Ones = Happier, Blissful and More Fulfilling Life
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Flexibility

You can choose to take premium holiday.
Meaning today you start with the shariah compliant investment plan.
In the future, if unfortunate circumstances, cause you to be financially tight, you can stop paying the premium for a while.
And resume back when you are financially OKAY.

You can also adjust your premium accordingly.
Now you start your shariah compliant investment plan @ $200/mth.
In the future, when your pay increases, you can always increase to $500/mth or vice versa.

Super flexible right? ūüôā
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Great Support System

Let me share with you a little secret.

Almost half of my clients who engaged me for shariah compliant investments have finance training background.
They either have a Diploma or Degree in Accountancy/Finance.
Or professional certifications like ACCA etc2.

The reason why they choose investing with me, is because of Great Support System.
We leverage on the expertise of professional fund managers.

Remember the scenario I shared above.

Today, you screened a stock, and you deemed it shariah compliant.

Another 6 months down the road, the stock may no longer be shariah compliant.
Because shariah compliant is not just¬†“No Pork, No Lard”.
There are certain financial ratios that we have to abide to.

time
Where can we find TIME to analyse it every single month?

Precisely. Leverage on the expertise of professional fund managers.

There is so much, I have to share on the beautiful part of Great Support System.
But I will not divulge it here in my blog. Because some of them are my trade secrets.

Trade secrets that differentiate me from the rest of the 20,000 financial consultants in Singapore.

Arrange “Your Financial M.A.P.” session at Takaful.sg for FREE.

And I will share with you how you can benefit personally when you engaged me as your financial consultant.
Your partner to help you grow your wealth, the shariah compliant way in Singapore.
Insya’Allah. ūüôā
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Halal

There is really a lot of strategies for you to earn your money.

No point make money, when it’s not Halal. Your rezeki is everywhere.

In the¬†subsequent blog post, Insya’Allah, I will share with you in greater detail on shariah screening methodologies that is currently used in the world.

For now, we stick with these simple, yet powerful formula.

So, next time, if anyone tell you that it’s difficult, to plan your finance the shariah compliant way…

Tell them this simple, yet powerful ABCDEFGH secret formula.

See you around soon. Jazakallah Khayran! ūüôā

p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…

 

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This post was written by:

- who has written 416 posts on The Official Helmi Hakim Website.

A certified financial consultant, Helmi Hakim has won praise for his patience, perseverance and practicality when solving his clients' financial concerns. For more information on how you can manage your finances better, contact Helmi Hakim at 96520134.

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4 Responses to “ABCDEFGH Formula To Growing Your Money The Shariah Compliant Way In Singapore…”

  1. Sgdividends Says:

    How about Sabana reit in Singapore ? Many of my muslim friends are invested in this

  2. Helmi Hakim Says:

    Sgdividends >>> Yeah! Can place it in my watchlist as it is the only Shariah compliant REIT listed in Singapore.

    But is it a good buy now? Have to analyse further. ūüôā

    In addition to what I share above, my Muslim clients who are trained in finance also can request from me, my personal watchlist of shariah compliant stocks in Dow Jones.

    Now, building a community of Singaporeans who want to grow their money the halal way. The shariah compliant way. ūüôā

  3. Sarah Says:

    Hi. I aim to start investing by the first half of this year.
    Before that, i would like to learn more about islamic/takaful investment. I have very little knowledge in this field. Could you share some pointers with me?
    Do i need a financial advisor to help me invest or can i invest on my own? How do i go about doing that?
    Also, I read that Sabana reit is one of the most underperforming companies as of dec 2016. It would not be a good idea to invest in it, would it?
    My apologies if i am asking too many unrelated questions.
    I appreciate if you could spare some time to guide me in this new field.

    Thank you.

    Sincerely,
    Sarah Aziz

  4. Helmi Hakim Says:

    Hi Sarah.

    Islamic investment in short, is growing your money the shariah compliant way. In accordance to Quran and Sunnah of our beloved Prophet Muhammad (P.B.U.H)

    Free from riba, maysir and gharar.

    Alhamdulillah. I am a financial consultant, that specialise in helping Muslim families plan their finance, the shariah compliant way in Singapore.

    To discuss further on specific details, you can schedule an appointment with me. SMS/Whatsapp me at 96520134 or email me at helmihakim@hotmail.com

    See you soon! Insya’Allah! ūüôā

    Helmi Hakim


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