Wealth planning is very important of long term wealth creation. Proper planning plays very important role in developing and creating the wealth. Retirement is very important for every individual.
Wealth planning is the art of structuring your wealth while building it, preserving it, and in order to transfer it to the next generation tax-optimised. Wealth planning is a mix of tax planning, wealth protection, estate planning and business succession planning and relates to your total worldwide wealth.
Liquidity planning. Liquidity planning is an important component in an effective wealth management and succession planning strategy. We will help you in tailoring solutions that can provide liquidity in the future to enable you to protect and preserve your wealth across generations.
This slide program explains in the light of Quran and Hadith that Riba transactions are prohibited in Islam. It provides replies to the questions raised about prohibition of Riba.
This slide program explains in the light of Quran and Hadith that Riba transactions are prohibited in Islam. It provides replies to the questions raised about prohibition of Riba.
About The The Five Pillars of Islam (arkān al-Islām أركان الإسلام; also arkān al-dīn أركان الدين "pillars of the religion") are five basic acts in Islam, considered mandatory by believers and are the foundation of Muslim life. They are summarized in the famous hadith of Gabrie.
Financial Empowerment Seminar with focus on
1. Causes of Business Failures
2. Retirement Planning /Life after Work-Life
3. Overcoming Financial Challenges in Retirement
Mutual fund - Marketing Perspective, Investment Vehicles Plans in UAE, Abu Dh...Expat Wealth Care
A case study on Mutual Fund Management Marketing Perspective - investment vehicles plans in UAE, Dubai and Abu Dhabi. We offer best mutual funds investment plan in UAE.
About The The Five Pillars of Islam (arkān al-Islām أركان الإسلام; also arkān al-dīn أركان الدين "pillars of the religion") are five basic acts in Islam, considered mandatory by believers and are the foundation of Muslim life. They are summarized in the famous hadith of Gabrie.
Financial Empowerment Seminar with focus on
1. Causes of Business Failures
2. Retirement Planning /Life after Work-Life
3. Overcoming Financial Challenges in Retirement
Mutual fund - Marketing Perspective, Investment Vehicles Plans in UAE, Abu Dh...Expat Wealth Care
A case study on Mutual Fund Management Marketing Perspective - investment vehicles plans in UAE, Dubai and Abu Dhabi. We offer best mutual funds investment plan in UAE.
THIS IS YOUR ROAD TO FINANCIAL FREEDOM...Opportunities are like sunrises. If ...truth777
Need More information? Call: +234 703 8962 260. What are your dreams in Life? Job, Money, traveling, wealth, financial freedom, education in the best schools, happy family, vacations, riches, dollars, becoming millionaire? What ever your dreams are, this an opportunity to actualize that dread. Go through the slides to the end and you would be glad you did. See you at the end.
FINANCIAL FREEDOM...Opportunities are like sunrises. If you wait too long, yo...truth777
Need More information? Call: +234 703 8962 260. What are your dreams in Life? Job, Money, traveling, wealth, financial freedom, education in the best schools, happy family, vacations, riches, dollars, becoming millionaire? What ever your dreams are, this an opportunity to actualize that dread. Go through the slides to the end and you would be glad you did. See you at the end.
The Retirement Plan Healthcare Investment is a disease prevention healthcare investment with our partner direct sales company - Royale Business Club - for the working class who want to retire gracefully, healthily and wealthily.
The RPHI is systematically design as a health diagnosis and diseases prevention program for the working class while providing an insurance platform for emergency medical costs.
Presentation slides for week 3 of the San Diego Microfinance 101 course at Point Loma Nazarene University. Presentations by International Rescue Committee, CDC Small Business Finance, and ACCION San Diego
Similar to Wealth planning islamic perspective (20)
The company formed to provide IT services, was established in 2002.
Registered in the Central Tenders Committee (CTC) and many government agencies. The Company has an experienced team with outstanding skills and knowledge and extensive capabilities in ICT Services & Solutions and
Supplying Manpower in various categories of skilled and semi-skilled workers.
IT Infrastructure
STRUCTURED CABLING
FIBER OPTICS
ROUTING & SWITCHING
IP TELEPHONY
WIRELESS NETWORKING
CABINET MANAGEMENT
IT Manpower
• TECHNICAL SUPPORT/HELP DESK
• NETWORK ENGINEERS
• DATA CENTER ENGINEER
IT Maintenance
• SECURITY PROTECTION
• SYSTEMATIC CHECK-UPS
• 24X7 SUPPORT
Every success Story is about Change happens within. It is first and foremost thing in success.
Those who can change themselves and drive the the change through compassion.
These points will drive you build a success story.
Success is about talking truth. Understanding People, and Influencing the decision making.
Leadership about understanding situation and taking decision. Leadership is understanding People.
Disposable Syringe is One of Consumable used every day in millions. This is great business opportunity. Covid has made it more Important to Produce is Locally. This Product has huge Potential For Localization all over the Middle East, which imports almost 100% of the product. We see GCC and Arab world has potential Capacity to localize the production.
The life style diseases are getting prominent space in health care. Diabetes, Obesity, Hyper Tension becoming mainstream diseases of society. Society is getting more cautious about health. Society is getting more interested in healthy food which will keep them fit and healthy.
This is brief project report on healthy foods.
Project Report Healthcare Disposable and ConsumableVenture Advisors
Covid19 has changed everything. The Supply Chain, and particularly localization of Basic Necessities will be focus for future. Health care will remain in focus of investment and localization. With increased demand for Healthcare Consumable and Disposable, this sector remains promising. This is brief project report on Healthcare Consumable and Disposable Project.
Shrimp is one of the most important, healthy food. With obesity and diabetes on rise, consumers are getting more and more aware about healthy food. Shrimp is vital component of healthy food plan. GCC the net importer of shrimp, the opportunity remains very good. The export potential of the product is very high. The frozen shrimps are key growth and export component of the GCC, diversification Plan.
This is brief Project Report for shrimp Farm. Shrimp Farm, Prawns and Crabs , will remain key components of Aquaculture Projects and growth.
Being Positive is very important part of success. Being positive in difficult time is extremely important for peaceful life and keeping our faith intact is more important. This positive thinking will bring success to you.
Quran 39:53 - Despair Not Mercy of Allah.
Quran : 13:23 Verily, in the remembrance of Allah do hearts find rest.
Quran : “Indeed, after hardship there is ease” (94:6)
Quran : My Mercy encompasses every thing ( 7:156)
How to Build 1 Million Dollars Plan. Real Estate, Takaful, Sukuk, REIT. Where to invest? How to Invest? Islamic Perspective.
Wealth planning is the art of structuring your wealth while building it, preserving it, and in order to transfer it to the next generation tax-optimized. Wealth planning is a mix of tax planning, wealth protection, estate planning and business succession planning and relates to your total worldwide wealth.
Liquidity planning. Liquidity planning is an important component in an effective wealth management and succession planning strategy. We will help you in tailoring solutions that can provide liquidity in the future to enable you to protect and preserve your wealth across generations.
The first step in Success of Entrepreneurs is its "WHY". Well defined Why is most critical factor in Building a Success Story. When entrepreneur solves problem , the success will follow.
Beauty and Cosmetics Products Business OpportunityVenture Advisors
GCC is one of best selling market for Beauty Products. The sales are driven by high per capital income. GCC has very high disposable income. This is prime reason for growth of beauty and cosmetics products in GCC.
Green House is very important part of Food Sustainability and Future of Food in Desert Areas.
The modern green house can produce three time more than conventional Green House.
New Technology in Green House and Vertical Farming and Controlled Weather , indoor farming, will play a major role in food security, environment management and food sustainability.
Kuwait Healthcare Market has robust and growing fast. Laboratories specially working on unique ideas and solution has huge potential.
Health Care
Laboratory
Unique Ideas
Aluminum Industrial Unit - Investment Opportunity in KuwaitVenture Advisors
An Industrial Unit is available for 100% acquisition. It is Aluminum Products Manufacturing Unit, Kitchen, Cupboards, HVAC, Aluminum Building Work. It is debt free unit.
There are great Success Stories in E Business. More Important are great Failures. Why E Business Fails, what are the critical reasons to fail. This Presentation Discusses the Success and Failures. The Critical Factors which makes Success.
Entrepreneurship Training and Ideas Development Venture Advisors
Entrepreneurship is driver of future. Entrepreneurship is engine of growth and development. In this five days workshop we help young entrepreneurs to build their ideas. This working will build Business Plan and Feasibility Report. This will give young entrepreneurs Confidence on their own.
Mobile Wallet - Tech Startup - $1 Billion OpportunityVenture Advisors
The market is changing. The future is changing. The banking and telecom business are challenging each other. The shift is clearly see. This is fusion of Banking and Telecom opportunity. This is future for both. This is One of best Tech Startup from Kuwait. Looking to be $1 Billion Startup.
Monetary Policy is key driver of growth. It plays very important role in economy of the nation. Islamic Finance is growing fast and it has major role in new Economic Policies of the nation. There can be different strategy and plan to build long term perspective of Islamic Monetary Policy.
GCC has one of the highest Mobile Penetration. The market for IT is growing fast. This is changing very fast. This presentation is all about the opportunity in this region. Saudi Arabia , the biggest market, UAE which ranks second, and then Kuwait and Qatar.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
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Dr. Zia Ahmed
MBA, CIFP, Ph.D
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WEALTH PLANNING
•What is Wealth Planning
•Why to Plan
•What to Plan
•How to Plan
•How to Hedge
•What is Prohibited
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ISLAMIC ECONOMICS
Islamic economics is based on the Shariah. The basic objectives are to ensure
general human well-being and socio-economic justice
PROPOSAL
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FALAH– MAQASID AL SHARIAH
AT HEART OF ISLAMIC ECONOMICS
WELFARE AT CORE OF ISLAMIC ECONOMICS
ISLAMIC ECONOMICS
• Zakath
• Sadaqat
• Inheritance
• Endowment
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CONVENTIONAL VS. ISLAMIC
MAXIMIZATION VS. MODERATION
▪ While conventional economics generally considers the behavior, tastes and preferences of
individuals as given, Islamic economics does not do so. It places great emphasis on individual
and social reforms through moral uplift. This is purportedly to be the purpose for which God’s
messengers have come to this world. Moral uplift aims at changing the behavior, tastes and
preferences of the individuals, and thereby, it complements the price mechanism in
promoting general well-being.
The Role of Moral Values
▪ The Hereafter is a concept which is completely ignored by conventional economics, but it is
one which is greatly emphasized by Islam and other major religions. Because of their innate
goodness, human beings do not always try to serve their self-interest. They are altruistic, and
willing to sacrifice for the well-being of others. This behavior is rewarded in the Hereafter.
Whilst conventional economics also seeks optimal allocation of resources, the fact that it is
unable to offer rewards for benevolent acts means that the humane side of the economy is
neglected.
The Importance of the Hereafter
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DEFINITION OF INVESTMENT PLANNING
Assess risk appetite, develop an investment
strategy by choosing a wide array of
investments.
The following steps are necessary:
Growth & Income
Risk & Return
Spending & Security
Wealth Transfer & Wealth Control
Inventory
taking
Analysis
and
evaluation
Plan
designing
Implement
ation
Monitoring
and
reviewing
ProcessOfInvestmentPlanning
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THE LIQUIDITY ISSUE
LIQUIDITY
Liquidity is necessary for immediate
consumption
Assets should be kept in different grades of
liquidity so that it is easy to liquidate when
necessary
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THE ISLAMIC ANGLE
Muslims are supposed to have surplus wealth to be strong. Surplus wealth can only be
obtained through higher income as a result of hard work. Having surplus income alone
is not enough.
Co-operative effort through
helping one another (“Help ye one
another in righteousness and
piety”al-Maidah5:2)
Peace and stability to ensure greater
development
Service to others is an important social
responsibility
Charity to help others
Principle of sharing
Responsibility towards development
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RETIREMENT PLANNING
Retirement planning is one of the significant parts in the financial planning process. It will
create a significant source of income during the retirement period;
THE RETIREMENT PLANNING PROCESS
Setting of
Retirement Plan
Goals
Obtain Necessary
Financial
Information to
Determine
Retirement Needs
DEFINITION OF INCOME STREAM :
VEHICLES PROVIDING INCOME STREAMS
Pensions
Employees
Provident Fund
(EPF)
Takaful or Life
Assurance
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INVESTMENT
• Real estate refers to land and all those that are fixed to it such as
building, plant and machinery
• People invest in real estate to get the flow of income rather than the
space it provides
IN REAL ESTATE
IN SECURITIES
• Securities are financial assets that are traded in the capital markets.
Since the fluctuations in securities prices can be very volatile
• It is very attractive for people with surplus funds to buy and sell them
hoping to get dividends and/or capital gains within a short time
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STOCK SCREENING PROCESS
Halal Stocks and
Shariah Index
No Haram Activities
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ISLAMIC SECURITIES
Several new instruments were introduced
REIT
Private
Equity
Funds
Income
Funds
Sukuk is a long term IDS whose underlying contractual framework could be a BBA, Murabahah,
Istisna (purchase of manufactured products on order) or Ijarah (leasing). BBA is most popular and
known as BAIDS but not popular among Middle East Shariah scholars.The ijarah sukuk are more
acceptable globally.
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INSURANCE AND TAKAFUL
One of the important areas of wealth planning is the distribution of the estates.
Insurance and takaful are instruments that create instant estates and hence they are
very important in the distribution of such estates
TAKAFUL PRODUCTS
The life and general for insurance
Family and general for takaful
FOUR MAJOR TYPES OF LIFE INSURANCE
Term
whole
life
endowm
ent
investme
nt-linked
A straight life contract is one where premiums are payable as long as the insured lives
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FAMILY TAKAFUL PRODUCTS
Family takaful products are similar to investment-linked insurance. It has two separate accounts:
the Participants’ Accounts (PA) and Participants’ Special Account (PSA) which is based on Tabarru’. If
participant dies before maturity date he or she will receive whatever he or she has contributed up
to the date of death plus his portion in the PSA including the profits from investment.
Mortgage
Reducing Term
Assurance (MRTA)
or Mortgage
Takaful
Fire Marine
Etc
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WHY TO AVOID HARAM
Allah Does Not Bless Riba
(276. Allah will destroy Riba
and will give increase for
Sadaqat. And Allah likes not
the disbelievers, sinners.) (277.
Truly, those who believe, and
do deeds of righteousness,
and perform the Salah and
give Zakah, they will have their
reward with their Lord. On
them shall be no fear, nor shall
they grieve.)
RIBA
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PROHIBITED IN ISLAMIC ECONOMICS
HARAM
Interest
Cheating
Gambling
Products
and
Businesses
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HARAM- PROHIBITED & EFFECT OF HALAL
The community of the Prophet Shu‘ayb (sws) was known for practicing it with impunity.
Consequently, they were destroyed for their persistence in deceit and disbelief in Allah and His
Messenger. Allah the Almighty has repeatedly commanded exactitude in weights and measures.
One of the verses says: And give full measure when you measure, and weigh with a just balance.
That is good and better in the end. (17:35)
Eating haraam gives rise to every type of infamy. Whereas, the halaal morsel is the cause of
every kind of goodness and charity. Numerous traditions praise the acquisition of livelihood
through lawful means. For example the Holy Prophet (s.a.w.s.) says, "Worship consists of
seventy parts and the best part is earnings by lawful means." (Safinatul Behaar) The Messenger
of Allah has also said, "When a man eats halaal food an angel stands over his head and prays
for his forgiveness till he finishes eating." (Safinatul Behaar) The Prophet has remarked in a
similar vein, "One who strives to earn his livelihood in a lawful manner from morning till night,
achieves salvation." (Safinatul Behaar) The Holy Prophet (s.a.w.s.) states that Allah has said:
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RISK HEDGE IN ISLAMIC PERSPECTIVE
Zakat means growth (nam'a), blessings (barakah), purification (taharah), or appreciation
(madh). It is called zakat because one's wealth grows through the blessings of giving part of it
and the prayer of those who receive it. Zakat purifies its giver of his/her sins and is clearly
ordered by God. The Quran says "Take alms of their wealth and make them pure and clean”
(9:103).
It is a criterion for the believers and a way to success in this life and the next. Allah says, "Who
establishes worship and spend of that we have bestowed upon them, these are the true
believers. For them are grades of honor with their Lord, and forgiveness, and a beautiful
provision". [8:3-4]
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QURAN AND HADITH & HADITH ON SADAQAH
Verily, We have tried them as We tried the
People of the Garden, when they swore to pluck
the fruits in the morning,). Without (saying: "If
Allah wills.''). Then there passed over it a Ta'if
from your Lord while they were asleep. So by the
morning, it became like As-Sarim. Then they
called out (one to another as soon) as the
morning broke. Saying: "Go to your tilth in the
morning, if you would pluck (the fruits). So they
departed, and they were whispering. "No poor
person shall enter upon you into it today. And
they went in the morning with Hard Qadirin. But
when they saw it, they said: "Verily, we have
gone astray. '"Nay! Indeed we are deprived!. The
Awsat among them said; "Did I not tell you, `Why
do you not Tusabbihun. They said: "Glory to Our
Lord! Verily, we have been wrongdoers.Then they
turned one against another, blaming. They said:
"Woe to us! Verily, we were Taghin. We hope that
our Lord will give us in exchange better than it.
Truly, we hope in our Lord. Such is the
punishment, but truly, the punishment of the
Hereafter is greater if they but knew.
Rasulullah Sallallaho alaihe wasallam has said
that once a person in a jungle heard a voice from
a cloud above, saying, "Go and supply water to
such and such person’s garden". Thereupon the
cloud moved in one direction and rained on a
piece of stony land. A channel collected the
whole of that water which began to flow in a
particular direction. He followed it and came to a
place where a man stood with a shovel in hand,
diverting the water to his garden. The person
asked the man his name; and when he told him,
it was the very name he had heard from the
cloud. The person then asked him why he had
asked his name. The person replied that he had
heard a voice coming from the cloud saying, "Go
and supply water to such and such person’s
garden" and it was the same name which he had
told him. The person then asked the man, "What
he did, for, the cloud to supply water to his
garden." The owner replied that now he has to
tell the true facts. Whatever produce he got from
the garden, he divided it into three equal parts;
one part i.e. one third of the produce, he gave
away promptly as Sadaqah, the second part he
kept for himself and the family; the remaining
one third he spent on the garden itself.
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BASIC ASSUMPTION
BUILDING $ 1 MILLION PORTFOLIO
STARTING AGE 25 Years
RETIREMENT 55 Years
TOTAL YEARS 30 Years
REGULAR
WITHDRAWALS
5 Years
TOTAL 5 Withdrawals
MARRIAGE 30 Years of Age
HOME 35 Years
LAND 40 Years
RENTAL
PROPERTY
45 Years
EDUCATION
(KIDS)
50 Years
MARRIAGE (
KIDS)
55 Years
USES OF WITHDRAWALS
23. Contact Us
Email : info@ventureart.biz
Whatsapp : +965 67086552
YEARS MONTHLY RATE TOTAL IN KD
0 - 5 Years 50 KD 3000 KD
6 - 10 Years 100 KD 6000 KD
11 - 15 Years 150 KD 9000 KD
15 - 20 Years 150 KD 9000 KD
20 - 25 Years 200 KD 12000 KD
25 - 30 Years 200 KD 12000 KD
HOW MUCH TO INVEST
24. Contact Us
Email : info@ventureart.biz
Whatsapp : +965 67086552
WITHDRAWALS
YEARS RATE WITHDRAWALS
5 Years 3000 KD MARRIAGE
10 Years 6000 KD HOME WITH RENTAL OPTION
15 Years 9000 KD LAND FOR RESALE OR DEVELOPMENT
20 Years 9000 KD RENTAL PROPERTY
25 Years 12000 KD EDUCATION 5 YEARS PLAN
30 Years 12000 KD
MARRIAGE AND OTHER RELATED
EXPENDITURE
25. Contact Us
Email : info@ventureart.biz
Whatsapp : +965 67086552
YEARS RATE TOTAL IN KD
5 Years 3000 KD 96000 KD
10 Years 6000 KD 96000 KD
15 Years 9000 KD 72000 KD
20 Years 9000 KD 36000 KD
25 Years 12000 KD 24000 KD
30 Years 12000 KD 12000 KD
HOW MUCH IT WILL BE AT RETIREMENT
325000 KD @ 150 rupees a KD ≈ 5 Crore
With own house and basic facilities all
responsibilities paid off @ 1% a month
return then monthly pension of 500,000.
26. Contact Us
Email : info@ventureart.biz
Whatsapp : +965 67086552
?
Pension
Plan
Real
Estate
Islamic
Capital
Market
High Risk
Assets
Commodit
ies
Few Ideas
Which
has high
Potentials
WHERE TO INVEST
27. Contact Us
Email : info@ventureart.biz
Whatsapp : +965 67086552
MY CHOICE
Choice I
• Waste, Water,
Food
Choice II
• Alternative
– Health,
Energy,
Education
Choice III
• Health,
IT/ITES, Real
Estate
28. Contact Us
Email : info@ventureart.biz
Whatsapp : +965 67086552
PORTFOLIO DISTRIBUTION
I – 50 %
II – 30%
III – 20%
I – 50%
II – 30%
III – 20%
29. Contact Us
Email : info@ventureart.biz
Whatsapp : +965 67086552
We are a Click Away” ZADI VENTURE ADVISORS
zia@ziaahmed.org
www.hhrdevelopment.com
www.ziaahmed.org
+965655104