“Tie your camel and trust in Allah.” — Prophet Muhammad ﷺ (Hadith, Sunan al-Tirmidhi 2517)
This beautiful hadith carries a powerful lesson: Tawakkul (trust in Allah) is not passive. It’s active. It’s intentional. It’s a balance between relying on Allah and doing our part.
Just like we lock our doors at night, wear our seatbelts, or take medicine when we’re sick—we’re taught to take action, while placing our trust in the outcome that Allah has written.
And when it comes to protecting our loved ones financially, the same principle applies.
🛡️ What Does “Tying Your Camel” Look Like in Today’s World?
Imagine this:
You work hard. You provide for your family. You save, give, and build a future.
But what if something suddenly takes you away? Or leaves you unable to work due to total and permanent disability?
Will your family struggle? Will your children’s future be at risk? Will the burden fall on your loved ones?
That’s where Takaful comes in.
🌙 Takaful: Trusting Allah, While Taking Responsible Action
Takaful isn’t just insurance. It’s Shariah-compliant financial protection—rooted in the Islamic values of mutual assistance, care, and community.
It’s based on:
📜 Wakalah – the concept of trust and agency. ❤️ Tabarru’ – voluntary contributions to help one another. 🚫 Free from riba (interest), gharar (uncertainty), and maysir (gambling).
When you participate in Takaful, you’re:
✅ Helping others who face unexpected hardships. ✅ Securing protection for your own family. ✅ Acting in line with both spiritual and ethical principles.
This is your way of “tying the camel”—by preparing responsibly, and trusting that Allah will take care of the rest.
🕊️ Don’t Leave Your Loved Ones Unprotected
The truth is, we don’t know what tomorrow holds. But we do know what we can do today.
By taking the step to get covered under Takaful, you’re saying:
🫶 “I care about my family’s future.” 🕌 “I want protection that is halal and ethical.” 🤲 “I trust in Allah—but I will also do my part.”
💬 Ready to Take the First Step?
If you’re ready to align your financial protection with your faith, I’m here to guide you.
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📩 Schedule a free consultation with me and I’ll help you understand how Takaful works, what your options are, and how to choose the plan that suits your needs.
Let’s tie our camels—with sincerity, responsibility, and trust in Allah.
Because true tawakkul isn’t just belief. It’s belief backed by action.
Thinking of getting Takaful in Singapore? Here’s why you should get it from someone who lives, breathes, and practices Islamic financial planning — Helmi Hakim.
1. 🕌 100% Shariah-Compliant Assurance
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Helmi Hakim doesn’t just sell Takaful — he lives it.
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With 18 years of experience in Islamic finance, you’re guided by someone who truly understands the spirit and letter of Shariah-compliant financial protection in Singapore…..
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2. 🧠 Deep Expertise, Proven Results
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Alhamdulillah. Helmi cleared his HDB loan with Shariah-compliant investments by age 34 — a testimony to his smart, ethical financial strategies.
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He walks his talk.
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You’re not just getting insurance — you’re tapping into decades of wisdom…..
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3. 📜 Real Claims Experience
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He’s handled over 10 death claims, countless hospitalisation and personal accident claims.
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When it comes to navigating the reality of making claims — Helmi’s been there, done that….
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4. 👨👩👧 Tailored for Families
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As a husband and father, Helmi knows exactly what it means to protect your loved ones.
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His advice is practical, warm, and always family-first — especially if you’re a parent like him….
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5. 🇸🇬 Singapore-Based, Culturally Grounded
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Helmi understands the Singaporean Muslim context inside out — whether it’s CPF, Faraid, Hibah, or Will-writing.
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He bridges Islamic principles with local realities seamlessly….
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6.🧕 Not Just Takaful — Full Islamic Planning
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From legacy planning to trusts, from Hibah to Halal investing — Helmi goes far beyond just selling you a product.
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He ensures your entire financial map aligns with Islam…. Alhamdulillah….
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7. 💬 Speaks Your Language (Literally & Spiritually)
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English, Malay, Financial Jargon, Islamic Concepts — Helmi explains it all in ways that make sense.
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Even your 8-year-old daughter could understand what you’re signing up for….
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8. 📲 Strong Social Proof, Trusted Voice
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With educational content on TikTok, FB, and blogs, Helmi is a recognized voice in the Takaful space.
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You’re not just buying from an agent — you’re joining a growing community of smart, values-based decision-makers….
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9. 🤝 Independent, Not Tied to One Insurer
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Unlike others who push products from a single company, Helmi chooses what suits you best.
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He works with multiple insurance companies and always puts your needs first….
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10. 💖 Takaful With Soul
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For Helmi, every Takaful certificate you own isn’t just a contract — it’s an act of responsibility, sadaqah, and solidarity.
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You protect your family and uplift others. That’s the power of ethical protection…
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👉 So Why Wait?
When you protect your family with Helmi, you’re not just buying a policy — you’re building a faith-based legacy.
📞 DM Helmi now @ 96520134. 📲 Book a “Your Financial M.A.P” session.
Because your family deserves protection — in this world and the next.
As a Muslim financial consultant based in Singapore, I’m often asked: “What is Takaful, and why do you advocate it so strongly?”
To me, Takaful is not just a financial product. It’s a reflection of our values as Muslims – a system rooted in mutual help, shared responsibility, and trust.
What Is Takaful?
Takaful is the Shariah compliant alternative to conventional insurance. The word “Takaful” comes from the Arabic word “kafala” which means guaranteeing each other. Unlike conventional insurance, where the relationship is a risk transfer between you and the insurer, Takaful is a cooperative system. Participants contribute to a shared pool, and claims are paid from this pool to help members in need.
This is not just a business transaction – it’s a commitment to help one another for the sake of Allah.
Why I Believe in Takaful
When I started my career in financial advisory, I noticed a gap. Many Muslims were unknowingly participating in conventional insurance schemes that contradict Islamic principles – involving elements of riba (interest), gharar (excessive uncertainty), and maysir (gambling).
That deeply troubled me.
So I made it my mission to provide Muslims in Singapore with an alternative – one that protects our wealth and legacy while keeping our conscience and deen clear.
I don’t just sell Takaful policies. I explain the why. I teach families about their rights, responsibilities, and how to align their financial planning with Islam.
The Spiritual Value of Takaful
There’s something profound about knowing your contribution helps another family in times of hardship – a father who suddenly passed away, a mother permanently disabled in an accident, or a sole breadwinner taken too soon. Your monthly payment is not just an expense – it’s an act of sadaqah and solidarity.
Even when you make a claim, you’re not “taking from the company” – you’re drawing from the community’s pool of care. That’s powerful.
What Makes Takaful Different
✅ Shariah-Compliant Structure
✅ Transparent Fund Management
✅ No interest or speculative elements
✅ Surplus Sharing (Tabarru’)
✅ Oversight by a Shariah Advisory Board
Is Takaful Right for You?
If you’re a Muslim living in Singapore and you’ve been putting off insurance planning because of religious concerns, know that you have halal options.
Whether it’s protection for your family, income replacement in the event of death or disability, or legacy planning – there are Takaful solutions available.
My Role As Your Adviser
I see my job as more than recommending plans. I’m here to educate, empower, and ensure that your financial choices reflect your Islamic values. Over the years, I’ve helped hundreds of families and business owners gain clarity and confidence in their financial path – all within the framework of Shariah.
Final Thoughts
We are living in unpredictable times. Pandemics, accidents, and health issues remind us how fragile life is. Takaful gives us a halal way to prepare, protect and provide – not just for ourselves, but for those who depend on us.
If you’d like to explore Takaful options or just want to learn more, I’m happy to guide you. Let’s build wealth with barakah and purpose.
You can WhatsApp me, Helmi Hakim, at 96520134 or simply click here to schedule your FREE consultation.
I can only take 5 new clients per month, so do book early.
Let’s plan your halal wealth journey — with gratitude, patience, and rezeki in abundance, insyaAllah.
5 Reasons Why Building Shariah Compliant Passive Income Is a Good Idea in Singapore…
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1. Peace of mind to know that you have money if business is not doing well or should you become unemployed…
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If you run a business, you like to think that your business will prosper forever.
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Yet you and I know that is not always true.
Reality on the ground, that is not the case. In business there are cycles. … Sometimes our business is doing good. Sometimes our business is not going so good.
We accept that thats the asam garam, the reality of being an entrepreneur!
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Having extra cashflow from Halal sources of passive income in Singapore
helps when your business is not doing so good
as you need to have some breathing space to pivot or restrategise.
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Similarly if you are an employee.
You like to think that you have a solid iron rice bowl that you can rely on for the rest of your lives.
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You will like to think that you will stay employed with the same company through your lifetime.
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My question to you now.
How confident are you that your current skills will remain relevant for the next 20-30 years of your life?
How confident are you will remain to be as agile,
as fast,
as versatile today
and in the years to come? Beautiful life today does not mean beautiful life forever!
Thats the reality on the ground.
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With the advent of artificial intelligence, most jobs that are in demand today might be replaceable tomorrow.
With globalisation, the world that we think is big yesterday is now shrinking.
You are not just competing with a younger workforce who can do your work at cheaper, better, faster rate in Singapore. You are competing with every single human that exist on this planet!
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So Nauzubillah… If your employer decides to “downsize”,
decides to “scout for new talents to replace the old ones”,
decides to “pivot and your role now is now made redundant”, an additional source of Halal Passive Income definitely helps!
You will have the peace of mind and perhaps some breathing space to carefully think of your next course of action.
I mean. Kita merancang. Tuhan menentukan.
This small steps you are taking today when all is good will help your future you when things are no longer as rosy and beautiful as it is today.
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2. Passive Pahala for the rest of your life and beyond
2nd reason Why Building Shariah Compliant Passive Income Is a Good Idea in Singapore is
because
not only you can enjoy the tangible fruits today, you also can get passive pahala for the rest of your life and beyond!
You can use your Halal Profits to fund your dream holiday with your beautiful family..
(I liquidate some of my profits for my recent holiday to Bali.)
Alhamdulillah… I have been a financial planner for almost 18 years.
Some of my clients have been with me for 18 years.
15 years.
10 years.
The beauty of shariah compliant investments is that you can use Halal profits to fund your yearly holiday.
To fund your umrah.
To fund your Haj.
To fund your child’s tuition, enrichment classes(these can really eats up to your monthly cashflow and having Halal profits to fund it is simply amazing!)
And while you are saving money every month the shariah compliant way, you are getting passive pahala.
I mean you can save your money in any ways you want. But you consciously choose to do it the Halal way! The Shariah Compliant Way!
Dunia dapat. Akhirat pun dapat. Isnt that beautiful? 🙂
Alhamdulillah! 🙂
Talking about passive pahala on earth.
Why not also create passive pahala for yourself in the hereafter by using the vehicles of Wakaf?
Make your money work hard in this dunya.
And make your money work harder for your hereafter.
3. You have clarity and certainty that your Halal passive income strategies work
3rd Reason.
It’s good to start building your Halal source of passive income now — especially while you’re financially stable.
Why? Because if you’re starting from zero experience in investing, this is the best time to learn. With the right guidance from mentors and Islamic financial planners, you’ll slowly build confidence that Halal passive income is possible.
Many of my clients start from ground zero — No $1 million in the bank. Not even $100,000. Some don’t even have $10,000.
But you don’t need a fortune to begin. As the Malay proverb goes: “Sedikit-sedikit, lama-lama jadi bukit.” (Little by little, a hill is formed.)
The key is to start. And when you’re financially stable, it’s the ideal time to build the “oven” that will generate future passive income. ✅ You’ve already set aside 3–6 months of emergency funds. ✅ You’ve got comprehensive hospitalisation plans for your family. ✅ You’ve protected your income with Shariah-compliant insurance.
✅ Now it’s time to take the next step: Build your Halal source of passive income. So you don’t just survive — You thrive, in dunya and akhirah.
Alhamdulillah. It’s now or never. You start it. You finish it. AS A CHAMPION! 💪
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4. More Time For Family and Ibadah
4th reason Why Building Shariah Compliant Passive Income Is a Good Idea in Singapore is
because
Passive income frees up your time. Instead of constantly chasing dollars, you get to focus on what truly matters — ❤️ Spending time with your loved ones 🤲 Investing in your akhirah through ibadah 💞 Giving back through charity and community work
It’s good to start building your Halal passive income now, while your responsibilities are still manageable and your finances are stable.
Because the earlier you start, the sooner you’ll enjoy that freedom. The freedom to choose how you spend your time. The freedom to say yes to your family and yes to moments that bring you closer to Allah S.W.T. — without worrying about your next paycheck.
This is how we move from working for money, to making money work for us — the Halal and Shariah-compliant way.
It’s not just about wealth. It’s about barakah. It’s about purpose. It’s about building a life where your rizq continues to flow even while you rest, travel, pray, or play with your children.
Passive income, done right, gives you more than just money. It gives you meaning. Alhamdulillah 🤲
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5. You Become a Role Model of Responsible Islamic Wealth-Building
One of the most overlooked benefits of building Shariah-compliant passive income is this:
You inspire your family — especially your children — to follow the Halal way.
📚 Your children see you investing ethically, avoiding riba, and staying true to your values. 💬 They hear you talk about barakah, not just ROI. 💡 They grow up understanding that success is not just about how much you earn — but how you earn it.
By taking action today, you break the cycle of financial confusion and riba-dependence.
You’re planting seeds of knowledge, values, and confidence that your family will benefit from for generations.
That’s how legacies are built.
✅ You don’t just leave money behind. ✅ You leave a mindset. ✅ A method. ✅ A message of integrity and istiqamah.
This is how we build wealth with purpose. This is how we raise future leader with iman. This is how we bring deen into our dunya — not just for ourselves, but for our descendants.
“And be not like those who forgot Allah, so He made them forget themselves…” (Surah Al-Hashr, 59:19)
Let’s not forget who we are, and what kind of legacy we want to leave behind.
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Now… I hope you have benefited from my sharing on 5 Reasons Why Building Shariah Compliant Passive Income Is a Good Idea in Singapore….
If you are seeking a mentor, coach, consultant to share with you practical aspects on how you can plan your finance, the shariah compliant way in Singapore, I am always ready to help you.
Achieving your Halal financial goals in Singapore is like driving a car. After driving for some time, Alhamdulillah… finally you reach your destination safely.
There are 7 simple yet IMPORTANT things that you need to have to ensure that you reach your destination safely.
I have created the infographic below to sum up this blog post. 🙂
1) You need to know where you are
. If you call me today. And you ask me…
“Helmi. How do I get to Masjid Al-Islah at Punggol?“
The first thing that I will ask you immediately is, “Where are you now?” 🙂
Similarly, in finance, you got to first know where you stand exactly in terms of your personal finance.
Your Final cashflow is Your Total Inflow minus your Your Total Outflow.
What is your PERSONAL NETWORTH (excluding the house you are staying) now? How about your cashflow? Do you have a positive cashflow or negative cashflow every month?
Start looking at these numbers closely. Because only when performance is measured, it can be improved.
. My overall goal as a financial consultant is to help you
– INCREASE your shariah compliant investible assets in your networth statement -SHORTCUT and accelerate your process to increase your personal networth in a Halal manner -Reduce and eliminate your riba based loans once and for all
And at the same time, help you achieve your short term and your long term financial goals.
These short term and long term financial goals are what I term as “your destination”.
Are you saving for your retirement? Saving for your child’s education? WHERE IS YOUR DESTINATION? 🙂
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3) You need a vehicle
. In order for you to reach a certain destination, you need to have a mode of transport. Are you travelling by bus? By car? By motorcycle? By train? By plane? Or by ship? 🙂
(My first time boarding Royal Albatross without the need to have a passport) ………………………………. …………………. …………
WHAT IS YOUR MODE OF TRANSPORTATION? 🙂
For me, I drive my Hyudai Elantra everyday to work. And if I travel, I like to travel to my favourite destinations with AirAsia. Of course!! I will savour their delicious serving of Nasi Lemak Pak Nasserwhile on board. Nasi Lemak Pak Nasser is my favourite! 🙂
If I am overseas, I have my Grab app and Gojek by my side. It is super duper convenient! 🙂
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Similarly when you are saving money for your financial objectives, you need to have a RELIABLE FINANCIAL VEHICLE.
For short term financial objectives like your 3-6 months emergency funds, you can leave your money in the Al Wadiah savings account. It is shariah compliant because Al Wadiah savings account gives Hibah. Hibah, Gift = Halal Riba = Haram
For your long term financial objectives, you want to make sure that your money works harder for you. Al Wadiah Hibah of 0.6-0.8%/annum is not enough. You want more. You need more…. You deserve more! That is where you will look into shariah compliant stocks/funds/Halal REITS etc2 as part of your portfolio.
. Some people told me, they want to be a millionaire in 15 years time, by investing $150/mth Let me do the maths for you. $150/mth X 12 months X 15 years = $27,000
I told them… Hello… If today you want to drive to Penang from Singapore. And you only fill up $10 worth of petrol. Will you reach Penang?
Confirm, you won’t reach. In fact, you CAN’T even reach Malacca with $10 worth of petrol.
But some of them argued… ‘Alah… Helmi… I can only afford $150/mth now…”
Then I told them, its okay to start with $150/mth. Along the way, you have to top up.
Its like driving your car. When you don’t have enough petrol,you need to top up the petrol.🙂 ………………………….. ………… …….
5) You need someone to show directions: Google Map. Waze.
. That someone is called a mentor, coach or advisor.
There are 20,000 financial consultants in Singapore.
Some people asked me. What is the difference between MEand the rest of the 19,999 financial consultants in Singapore?
The difference is simple.
I specialise in helping Muslim families plan their finance, the shariah compliant wayin Singapore. So that they can lead a blessful life in this dunya. And also the akhira..
Amin. Allahumma Amin…. 🙂
(Catch me in Mediacorp Suria shows, “Wahhnita” and “Alah Abang, Amboi Kakak” to be aired in February 2019) …………………….. ………… ………..
6) You need to check your blindspot. You might need additional mirrors. Definitely, you need insurance.
. You need to have Plan A. Plan B. And Plan C.
Especially if you intend to drive long distance, it is good to have additional mirrors. Additional precautionary measures in place. Definitely you need insurance. ……………………………….. ……………… ……….. I remembered many years back then, while was still a student. Back then when I was in Ngee Ann Poly Business Incubator program. My partner and I were required to present our business plan to a group of investors. I was in charge of the pro forma financial statements.
I had to forecast the trading, profit & loss statement for the next 3 years. 5 years. And 10 years. I had to project my forecast into 3. Pessimistic. Neutral. And optimistic sales figure. We clinched the deal.
To my mind, that was a super good training ground, because entrepreneurs are usually optimistic. We always think that everything will fall in place nicely. Yes. Sometimes it does, with the help of Allah S.W.T. Yet, sometimes it doesn’t. That it where you need contingency plan.
You need Plan A. Plan B. Plan C. And Plan D.
In Malay, we call it, “Sediakan payung sebelum hujan.”! 🙂 ……………………. ………………………… ………………..
In today’s investment environment, there are so many variables to account for. Weakening and strengthening of the USD$. Interest rate hikes (there were 3 rate hikes from the Fed in year 2018) Donald Trump Trade war (market follows closely to whatever he tweets) So many things to read on Bloomberg. On MorningStar. On Business Times.
Financial products keep evolving too.
Yesterday, I met one couple. They mentioned that they want a financial vehicle that covers EVERYTHING.. Covers hospitalisation. Covers personal accident. Covers their income replacement needs, death, total & permanent disability, critical illness. Covers retirement. Covers child’s education. Wealth accumulation. Basically, a SUPER COMBO plan consolidate into 1.
I shared with them, that there is no such plan. If there is, I also want! 🙂 We have to segregate Plan A. Plan B. Plan C. Plan D. Plan E…. And Plan A, Plan B, Plan C, Plan D, Plan E are within my purview as a financial planner.
Others from other industries such as real estate can share Plan F. Plan G and Plan H. Basically diversify. Don’t put your eggs in 1 basket. Have contingency plans in place! ……………………. ……… …….
7) You as the driver need to be focused. Drink coffee. Stay alert.
. You as the driver need to be focused. Especially if you drive long distances. Drink coffee. Stay alert!!
By being focused, you should also know where you want to go and not be swayed by other people’s opinions.
Some drivers, they drive so far and almost…..reach their destination. Suddenly one of their passengers distract them. The passenger said, “Hello!!!! You are going the wrong way!”
Instead of moving forward towards their destination, the driver did a U-Turn.
Imagine…. You are so close to your destination and suddenly you U-Turn. You U-Turn because your friend gives you wrong advice. You are so hospitable, so caring, so accommodating to offer your friend a ride on your car.
Instead of thanking you, he “sabo” you by leading you to the wrong direction. Alamak!!!
….. Similarly, there are many people in life. At first, they were doing good.
To me the unqualified opinions are like passengers in the car who are clueless. Yet think they know the direction, and show you the wrong way. Or if you board a ship, the unqualified opinions are like storms in the sea. …………………………………….. ……………………………… ………………….
What I did is that I installed “anchors”. I install “anchors” in all my financial planning presentations. In a good way. If you are my client, confirm + chop , you will recognise these anchors. And you will thank me for that! 🙂
I will share with you one of my “anchors”.
“The Apple Concept”.
This “Apple Concept” is suitable to apply when there is a market downturn. Market Pandemonium. Everybody kan cheong spider, you relax. 🙂
Example you buy apple (the fruit you can eat) today at $1. It goes down to 90 cents. Up 91 cents.Down 90.122345.
What do you do? Dont bother. Ignore! We are not speculators. We are not traders. We are investors! However, when price of Apple goes down to 50 cents. Half price. GREAT SINGAPORE SALE! What do you do? Buy more.
Similarly, when market goes up or down a bit, dont bother. However, when the fund price selling at cheap price, buy more. So that can make more money when the price goes up in the future. (A lot of pple get scared and they sell and they lose money)
There are one of the many anchors that I shared during my financial planning presentation to manage my clients’ expectation and ensure that they remained focus, instead of listening to the “noises” in the market.
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The 2nd thing that I share my clients or reiterate to them to ensure that they remain focus is to remind them of their Niat and their “Big Why”.
You need to know why you do what you do.If you save for your child’s education. Your child is your BIG WHY. You save money because you love your child. Because you want to see your child grow up as a good human being. Because you want your child to have a good job. Or have a business. Or even perhaps continue your legacy in this dunya.
When your Big Why is strong, you would not lapse a plan. What is your Big Why when you get a certain plan or you embark on a certain endeavour? Your reason or your Big Why must be strong! 🙂
My Big Why is my family. My niat is to establish Islamic Finance in Singapore is because I see that as one of my pathway for me to go to heaven. Every time, I feel down. I feel like giving up (giving up is easy by the way).
I remind myself of this Hadith. “From Abdullah Ibn ‘Umar -may Allah be pleased with him- that Allah’s messenger -peace and prayer of Allah be upon him- said, “The trustworthy, honest Muslim merchant will be with the Prophets, the honest men, and martyrs on the Day of Resurrection. ’’
I want to go to Jannah. I want to join the syuhadas. That is why when I conduct my business, I do my level best to be as transparent as possible. I left no stone unturn!
In fact, now I treat every single action I take as accumulating saham akhirat. Come, partner with me. We can kumpul saham akhirat together! Amin. Amin. Insya’Allah! 🙂 ……………………………………. ………………….. …………
Now… I hope you have benefited from my sharing on 7 Things That Makes It Easier To Achieve Your Halal Financial Goals in Singapore…
If you are seeking a mentor, coach, consultant to share with you practical aspects on how you can protect your wealth using Halal Insurance in Singapore OR save, accumulate and grow your money the shariah compliant way in Singapore, I am always ready to help you.
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.
