Towards financial independance without compromising Shariah principles!

Surina Zakariah

REP No.: SNB300043111

Senior Consultant

Do you have trust issues that investment products may be haram?

Do you need thorough explanation on Islamic principles on insurance and investment products?

And,

Are you concerned that you have not prepared your retirement plan?

If you have any of the above concerns, I would love to assist and work with you!

Hello and Peace be upon you!

I am Surina and I am a shariah wealth advisor. I am a former MOE teacher for 12 years before finally joining this industry of financial advisory. I had always wanted to be able to fulfill more work-life balance and I discover this in financial advisory career, Alhamdulillah.

What I appreciate most being in this field is that; I get to be part of my clients’ journey to financial stability. No doubt God is the Sustainer and unto Him we seek and ask for sustenance. How do we deal with wealth that He bestows upon us??

I will share with you how Muslims should be interacting with wealth, and ultimately, I wish that all my clients be zakat payors ~ those who are financially independant/ stable. It really heartens me to see my clients’ savings grow and grow, in line with their financial goals.

Why you should invest??

I still remember that a set of roti prata used to cost 80 cents when I was young but is now $2.20. That’s inflation at play, the hard truth is that the value of fiat money is decreasing and will keep decreasing as time passes by.

So in spending your money, you always face INFLATION. On the other hand, when you save your money (in savings account), you may gain a little bit of INTEREST (Riba), which will never keep up with the ever-rising inflation rate. Ultimately, this is the reason why you need to invest your savings so that it will not lose value due to inflation!

Plus, if you are a Muslim, savings are zakatable hence you must be savvy to ensure that your investment returns are high enough to enable your savings to pay off zakat and still brings in profits (identifying funds with higher potential return rates).

Want to find out about these shariah compliant investments??

Come, let’s have a kopi session soon! Click on the Contact button and I will reply to you the soonest I can!!