A guaranteed return is closer to a loan than to an investment.

Most of us want certainty from our money. This clip explains why that instinct sits awkwardly with how Shariah treats risk.

In this clip: why a contractually guaranteed profit raises a serious riba concern, why that structure resembles lending rather than investing, and why the willingness to bear risk is what makes a return legitimate in the first place.

The demand-side point: When investors ask Islamic finance institutions for the certainty of conventional products, the industry tends to build products that resemble conventional ones.
⚠️ Note: The value of investments can go down as well as up. Returns are not guaranteed.

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Disclaimer: This content is for educational and informational purposes only and does not constitute investment, financial, or religious advice. The value of investments can go down as well as up, and past performance is not an indicator of future performance. Wahed Technologies Sdn Bhd is regulated by the Securities Commission Malaysia. Please consult a qualified professional before making any investment decision.

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