We are in the 2nd week of “circuit breaker” in Singapore.
Although I have to work from home, I’m blessed because I still have a job that makes me excited everyday. 🙂
Alhamdulillah…I am thankful to NTUC Income for acknowledging and recognising my hard work by having my name mentioned in Straits Times.
I would like to thank my wife, Shikah Anuar for being my pillar of strength and believing in what I do.
My manager, Irene Ho for your continuous guidance to keep me focused on my goals.
I would like to thank my clients for your trust and support over the years in engaging my expertise to help you plan your finances, the shariah compliant way in Singapore.🙂
There are a lot of ups and downs. Moments where I just feel like giving up. Yet your tremendous support and encouragement continue to spur me forward.
Thank you all once again! 🙂
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Many have asked me on the story of my “overnight success”.
Being an Islamic Finance practitioner in Singapore since year 2007 is a dream come true for me.
It is my 1st job after ORD from the army.
Yet, my story began long before that.
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… My ambition when I was young was to become a school teacher. I love interacting with kids. And I love teaching, sharing my knowledge with others.
So after my O’Levels, I applied for Diploma in Teaching of Malay Language with Ministry Of Education.
I was called for an interview but unfortunately did not make the cut.
I was doing OKAY with my Malay language but I think my “peribahasa terabur” at that point of time because I was too nervous! That was my 1st interview in my entire life!:p
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So my second option, was to go for my Diploma in Accountancy.
My logic back then is that every company in Singapore needs an accountant.
To my mind at that point of time is that an accounting job is the most sheltered and safest job one can have.
The job will be irreplaceable and very secure!
So I applied for NP. I was living with my parents at Marsiling.
(My family and I celebrating Hari Raya a few years ago)
(Beautiful and spacious Marsiling before the BTO flats sprung up like mushrooms over the years)
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I thought studying in Nanyang Polytechnic – which is just next to the MRT – would be very convenient.
When I got the results of my posting., I got the shock of my life. I found out that NP stands for Ngee Ann Polytechnic!
and not Nanyang Polytechnic!
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There is hikmah to be rejected for my interview to be trained as a school teacher
and hikmah for me to accidentally choose to study in Ngee Ann Polytechnic,
because that choice CHANGED the course of my entire life!
In Ngee Ann Polytechnic was where I was exposed and trained to love and understand numbers.
Not numbers without meaning. 🙁 Practical numbers that will determine the life of a business. 🙂
Will the business succeed? 🙂 Or the business fail? 🙁
Can the stock make money? 🙂 Or the stock lose money? 🙁
We learnt how to create company’s annual report.
Trading, Profit and Loss Statement
Balance Sheet.
Statement in Changes of Equities
ALL FROM SCRATCH!
We computed Financial Ratios.
Analysed them. Interpreted them.
And presented them in front of our “clients’. Alhamdulillah. That was my first exposure to public speaking
and someway, somewhat, somehow, I enjoyed it…. 🙂
(My first experience presenting details of a financial statement in front of our “clients” 15 years ago)
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And in Ngee Ann Polytechnic, I joined the business club.
Me and my business partner were 18 years old at that point of time.
We went for a business plan competition and Alhamdulillah was awarded with a funding of $3000. (that was a lot of money when you were students)
As we were below the legal age to set up a company, we used our fathers’ names to register a private limited.
The business failed.
Yet I learnt many important lessons from that episode that shapes me to who I am today! 🙂
(My business while I was still studying in Ngee Ann Polytechnic)
(While waiting for my enlistment in the army, I did a sales job promoting credit cards for a marketing company.
Alhamdulillah. I topped the whole company for 3 months before my enlistment.)
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(Myself in the middle after POP from BMT)
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Whilst serving my national service, i did my research.
I knew back then after ORD,
I wanted a job that allows me to have freedom of time.
I don’t want a desk bound job. I want to be my own boss.
I don’t want to stick myself to the 8-5 routine (just thinking about the morning peak rush hour makes my head spin)
And at the same time allows me to share my knowledge on finance with the common people on the streets.
That is where a career as a financial consultant looks appealing to me.
I did my research.
1 thing that I want to be assured is that my job must be Halal. I emailed MUIS and was directed to the fatwa on permissibility of cooperative insurance in Singapore.
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Alhamdulillah. We know the Hukum of getting cooperative insurance in Singapore is Harus (neutral).
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Yet, I know financial planning is beyond insurance.
What about savings for child’s education? Retirement? Wealth Accumulation?
And I discovered NTUC Income has numerous shariah compliant funds at that point of time.
NTUC Takaful fund (which now follows the Dow Jones Shariah compliant screening methodology)
NTUC Amanah Equity fund
NTUC Amanah Bond (Sukuk) fund
To me, having shariah compliant funds closely monitored by Islamic Finance scholars 24/7 is important.
Thus, that’s where I began my journey as an Islamic financial consultant in a cooperative insurer in Singapore.
(Picture with Alvin Soong’s team, my 1st mentor who brought me in to the financial planning industry a decade ago)
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When you first start out in the financial planning industry.
It was not easy. It was not a bed of roses.
If you think just by joining the financial planning industry, can immediately drive flashy cars.
Buy a yatch. Relax by the beach everyday.
No. Its far from it.
Many times, I felt like giving up.
In fact, I felt like giving up everyday.
To me giving up is easier than persevering.
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When we first started, we earned based on commissions.
(My first month commission when I first started my career as a financial consultant in year 2007)
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We don’t have the luxury of immediately earning a stable basic salary $2-$3k/month.
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Not only that. We have costs to pay.
If you see financial consultants doing roadshows at Malls or exhibitions, on average they need to pay $300/person for rental of space.
So imagine. My $700 commission minus off $300. I am only left with $400 to survive.
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Not only that. Year 2008, 2009.
Was the subprime mortgage crisis which lead to the global economic crisis.
That was the period of Lehman Brothers Minibonds Saga.
Many people were reluctant to part away with their money. People were very afraid of financial consultants.
I remember doing roadshows, and was told “Young man. I just lost $100,000 in XXX scheme. And you want me to invest with you?”
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I remember at that point of time……
Not even having enough money to top up my EZ Link card because minimum top up is $10. I only had $5 in my wallet.
I remember at that point of time,
having to turn down invitations by friends to eat buffet for lunch at the restaurant because I didn’t have enough money.
I remember at that point of time,
the nikmat of sharing briyani on a dulang at Wak Tanjong mosque when I broke my fast during the month of Ramadan.
That briyani was a luxury to me because I only had single digit $ in my bank.
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These memories evoke deep sad bitter sweet emotions within me that I can feel even till now.
I felt like a total failure.
But as Muslims, I always remember this. We are not alone. We have Allah S.W.T.
I make a lot of doa to Allah S.W.T.
As Muslims, I remember the words of Allah S.W.T.
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Alhamdulillah. Allah’s promise is true.
With strong support from my family and clients, I persevered. (eternally grateful for them because I have nothing to showcase at that time.)
After hustling for a while, things got better.
Once things stabilised, I then subsequently upgraded myself by taking my degree, Bachelor of Science (Hons) Banking and Wealth Management with University of Wales (UK).
My favourite module back then was Islamic Banking and Finance.
Alhamdulillah, with the guidance of our beloved teacher , Professor Asam, I aced the module.
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(Testimonial from Islamic Finance Professor during my undergraduate days)
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And Alhamdulillah, what came as a surprise for me at that point of time was when I was informed that I was amongst the top 3 students in my whole cohort upon my graduation.
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You have to understand this.
All my classmates were financial consultants, bankers and seasoned practitioners (some with decades of experience).
And to become amongst the top 3 students never came across my mind.
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(My proud moment receiving an award on stage)
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That gives me the determination and direction..
Allah gives me the rezeki.
The amanah.
Puts me in a very favourable position. For a REASON. (if you know me on a personal level, I rasa betul2 tak layak. There are many others who are way better than me)
I find that this is part of fardu kifayah.
And I have the responsibility to shoulder this tanggungjawab to share with our community the pragmatic aspects of Islamic Financial Planning in Singapore.
I have to prove and make it work in Singapore.
For me success in Islamic Finance is not just me, myself clearing my own riba based loans and growing my own money the shariah compliant way in Singapore. Success in Islamic Finance is helping others plan their finance, without riba, maysir and gharar in Singapore.
Why I continue to stay in this line after so many years is
because I believe I will be able to HELP many more Muslim families plan their finance,
the shariah compliant way in Singapore.
After I die, in the hereafter, at yaumul mashar, I need to present my deeds in front of Allah S.W.T.
I want to be certain.
Ya Allah. On this earth, you bless me with the rezeki to learn about Islamic Finance.
and I, Helmi Hakim had done my utmost best to educate and share with as many people on how they can plan their finance, the shariah compliant way in Singapore.
My mouth.My hand.My legs.My head.My heart.
All as one will testify that I have done my utmost best, to educate and share with as many people on how they can plan their finance, the shariah compliant way in Singapore.
And all, be it you are my clients. Or just anyone who has benefited from my sharing.
You will be my witness.
You will be my lawyers on judgement day, that Islamic Financial Consultant, Helmi Hakim when he was on earth, he had done his utmost best, to educate and share with as many people on how they can plan their finance, the shariah compliant way in Singapore.
Please send him to Jannah. Ya Allah. Amin. Amin…. Insya’Allah. 🙂
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Now… I hope you have benefited from my sharing on the Story of Islamic Financial Consultant, Helmi Hakim.
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.
Alhamdulillah… I was invited to Google Dance Singapore 2018recently.
It was an awesome event.
I was very excited to learn from the panel of experts on how to promote Islamic Finance in Singapore using the internet.
At the same time, I was eager to explore the Google HQ office at Pasir Panjang.
I heard many good stuff about Google’s work culture and their creative office.
And feel very privileged to also be invited for a tour! 🙂
I snapped too many pictures. If you would like to see how Google Singapore office looks like, click here to view them on my facebook page!
In this post I want to share with you 3 Things I Learnt From Google Dance 2018…..
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1) Technology Saves Business Cost
During the session, I learnt about lots of cool gadgets, apps, software and hardware that can drive up profitsand help save business cost.
I learnt how Google Bot works.
(Cute little Google Bot, a memento I received from the Google Search Team)
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I learnt about Google Search Console (if you are a web developer, this tool is relevant for you)…..
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However, most importantly, the one that caught my attention and AMAZED me the most is
Tilt Brush by Google.
This technology blew me away.
Tilt Brush by Google allows you to express your creativity by drawing in 3D. very atas
View this video to understand how it works. 🙂
I usually use the Illustrator app on my Ipad to draw and also to take notes.
But now.. to be able to enter another world….
virtually.
And draw on 3D is simply SPECTACULAR! 🙂
Never in my mind, I thought of entering another visual world and having FUN. Painting rainbows with virtual brushes.Expressing my creativity. Building a safe refuge.Creating a world of my own. How wonderful is that?🙂
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Then I started to think about practicality. About pragmatics.
Okay. This gadget is cool.
But how exactly this technology can be USEFUL in our REAL world?
I do understand that this technology may be helpful for developers, developing virtual 3D games.
But how is exactly useful for common people like us?
Basically, how can this be a practical business application? ………………………………… ………………… …….
I spoke with one of the participants.
He mentioned that there is a cleaning company in Singapore that leverages on this technology.
All of us know that the employment turnover rate in the cleaning industry is HIGH at 30-40%.
Before the cleaners were deployed, they need to be trained. That is $$$.
They need to be trained by in-house qualified trainers. That is $$$.
The in-house qualified trainers also have to be trained. That is $$$.
When the cleaners leave the job, another new one comes in, also need to be trained. $$$again.
Trainers also leave and when new trainers come in, they need to be trained. $$$ and more $$$ needed again!
So what the cleaning company did is they created a SYSTEM leveraging on such technology.
New cleaners will wear such gadgets as above, and be trained to clean in the virtual world.
At the end of the session, they will have to take a test in the virtual world and PASS the minimum scores.
To my mind, this is brilliant way for the cleaning company to save business cost! 🙂
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2. Robots cannot replace humans completely
Someone asked the panel of experts about Google Robots.
He asked some technical questions that appear gibberish for me.
I’m not a technical person.
Html, C++, Javascript codes.
I know nothing of it. Serious.
He asked how to befriend the robots through coding of websites.
What the panel of experts shared was simple yet profound.
The panel of experts told us to focus more on users’ experience.
When you write a blog post (like mine), don’t write like you are communicating with a robot. Write as if you are communicating with your friend.
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If your friend or your target market read your blog post, and they feel OKAY. Google Bot will also feel OKAY.
If your friend or your target market read your blog post, and theyDON’T FEEL OKAY.
Google Bot will also feel NOT OKAY.
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The panel of experts also mentioned about chatbots.
Chatbots are basically like virtual human beings, programmed to ask and answer questions from prospects or clients.
How some developers designed their chatbots is that they just take ALL the questions from survey forms and program it as automated questions to ask potential clients at the chatbots.
Questions like..
-what is your name?
-what is your age?
-what is your gender?
-what is your house address?
-do you smoke?
-what is your highest qualification level?
You know what? It is super duper boring.
The panel of experts suggested us to add human elements. Personalise our message.
Make the robot as human as possible.
Again. Make the robot as human as possible.
To me, this is cool.
Because it only means 1 thing.
It only means that human beings are still needed on this earth.
If you are in the service industry, this is GOOD NEWS for you.
Human beings still want to deal with other human beings. Robots are just good for simple, repetitive and mundane tasks.
ROBOTS CANNOT REPLACE HUMAN BEINGS COMPLETELY! 🙂
They can help us make our jobs easy.
But never, ever replace us completely.
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3. Your network is Super important
During the event, I gauged that almost 60-70% of the audiences came from overseas.
Vietnam… Malaysia, Thailand… Indonesia… Japan..
I made friends with a number of them.
And still maintain contact.
I have a quote that I think hold relevant in today’s competitive business environment.
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. “Excellence of yesterday is a commodity today and will become obsolete tomorrow.”
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Which means: Something that is so unique, so enterprising,
so powerful yesterday, has become normal or baseline standards in today’s context.
And my favorite solution to prevent our business from being a commodity.
Or worst… Obsolete.
Is to reinvent ourselves by networking and continuously learning from people from other countries.
From other fields. From other industries.
Because.
They know something what we don’t. And we know something that they don’t.
If I find something that works super well in other countries.
I always think, if that same stuff can be apply in my business in Singapore.
Boyyyyy….. Google Dance provided me the platform to network with other brilliant IT/marketing practitioners.
I learnt from them lots of cool apps, gadgets that I can’t wait to implement for my business.
Super awesome stuff that can help my clients achieve the financial goals that they want to achieve.
Using tools that never come across my mind before.
…And yes, that is why your network is super duper important.
There is a saying, “Your network = Networth”.
I embrace that idea completely.
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I hope you learn something valuable from my sharing.
In my capacity as a financial consultant, I devote time, energy and a lot of resources to perfect my craft.
If you are seeking a mentor, coach, consultant to share with you practical, UP TO DATE, and modern ways on how you can save, accumulate and grow your money the shariah compliant way in Singapore, let me do the heavy lifting for you.
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.
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? 🙂
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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?
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.
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”.
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! 🙂
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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.
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???”
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.
(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? 🙂
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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.
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. 🙂
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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! 🙂
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…
Some of my peers in the industry have been asking…
“Helmi… You always talk about Islamic Financial Planning. What exactly is Islamic Financial Planning? How is Islamic Financial Planning different than conventional planning?
Can we apply it exactly in Singapore?”
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Yes. I specialise in helping Muslim families in Singapore, plan their finance in a shariah compliant way.
In accordance to theQuran (The Word of God)
And Sunnah (Traditions of Prophet Muhammad P.B.U.H).
One of the most important element of planning your finance the shariah compliant way is that you need to ensure that the financial strategies you advocate is free from prohibitive elements like riba, maysir and gharar.
AND the financial instruments that you choose is ALSO free from prohibitive elements like riba, maysir and gharar.
a. Riba, meaning payment or receipt of interests, is strictly forbidden.
Allah S.W.T said in the glorious Quran, Surah Al Baqarah, Verse 275:
“Allah has permitted trade and has forbidden interest”
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b. Maysir, meaning any form of gambling. And Gharar, meaning uncertainty. Both are not allowed.
As stated in Surah Al-Maeda, Verse 90:
“O ye who believe! Intoxicants and gambling, (dedication of) stones, and (divination by) arrows, are an abomination,- of Satan’s handwork: eschew such (abomination), that ye may prosper.”
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I like to give my clients, simple examples.
To explain difference between Riba (interest) and Profits.
This is important because many people out there get confused and thought that riba (interest) and profits are the same.
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Example, today, I lend you $1000.
Tomorrow, I ask you, to pay me back $1001. That additional $1 is riba…
Even though, it is only a small amount of $1. That additional $1 is riba. Riba is not permissible in Islam! ……………………………………………………………….
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Now, let me explain profit.
Example, today, I set up a drink stall.
I sell Bandung drink.
My cost per cup of Bandung drink is 40 cents. (You know the rose syrup, milk, water and ice)
I sell, the Bandung drink for $2. My profit is $1.60. Profit is permissible in Islam!
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………………….. Some people asked me, “Is it necessary, to plan my finance the shariah compliant way? I think, as long, I make money, its okay right? No need to be too concerned if its halal or its not.”
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I told them, I am a trained financial consultant.
I can present you ideas on how you can grow your money the shariah compliant way and also the non shariah compliant way. Convincingly.
And if you can grow your money the shariah compliant way, why choose to do it the non shariah compliant way?
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In addition to that, I told my clients and also my mentees. In our profession as a financial consultant, we are doing good jobs for our community.
(A picture of my family and myself)
You know, at times, I meet a family, and I bring about the idea of saving money for child’s education, to the sole breadwinner.
The Abang will look at me and say, “Child’s education? You mean you want my child to go to university? I myself, only have O’Level. How can you expect my child to go to university?”
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I told him, “Yes! Its possible! Your child will grow up and can go to university in the future!
He can be a lawyer, teacher, engineer, any profession that can help the community…He will be someone successful and beneficial to the community!!”
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AND we went one step further, we help that Abang plan for his child’s education, the shariah compliant way.
Not only that Abang helps his son, he also do it the blessful way. The shariah compliant way.
Both me, as his financial consultant, and him, as my client, will get passive pahala (good deeds) for the next 15-20 years of the plan. Its because both of us choose Islamic Financial Planning in Singapore.
We choose to do it the shariah compliant way. Avoid riba. Avoid maysir. Avoid Gharar.
That is what Islamic Financial Planning is all about.
Isn’t that a good position to be in? 🙂
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So for those of you, who have been considering Islamic Financial Planning, take a look at the Financial Planning Building Blocks below and whatsapp/SMS me, Financial Consultant, Helmi Hakim at 96520134 to schedule an appointment. Insya’Allah! 🙂
(Financial Planning Building Blocks To Plan Your Finance With Financial Consultant, Helmi Hakim)
Alhamdulillah, my name is featured in Straits Times for being one of the top financial consultants in Income and belonging to the prestigious Income Summit Club. 🙂
I would like to thank my clients who have supported me in my journey as a financial consultant to promote cooperative insurance and shariah compliant fund in Singapore. Thank you for trusting me. Thank you for believing in me! 🙂
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…
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.
