A friend of mine was telling me about the benefits of SIP (Systematic Investment Plan) in which we can invest as little as Rs. 500-1000 every month (which is not a big sum) in Shariyah-compliant companies and get very good returns after a few years.
I have been thinking about this since some days. The Qur’an also speaks of an investment plan. It calls it a goodly loan that Allah would return to us some years later when it reaches maturity on the Day of Judgment and it would be kept deposited with Him until then. He calls it sadaqah/infaq/benevolent lending.
Now let us compare the two:
Returns are immediate, but limited. The maturity amount is not very high; actually nothing compared to the latter. Benefits are short lived. I can use the money only for a few years before I eventually die and become dust.
No added benefits.
Investment Company might not be secure. It may collapse under market pressure rendering my savings null and void.
The investment might not be 100% Shariyah compliant. There is always some interest involved in big companies.
The money I would get upon maturity may or may not make my life comfortable. No divine recommendation.
Spending in the way of Allah
Returns are delayed, but they are more than 700 times the principal amount (Surah Al Baqarah ayat 261).
Eternal benefits. I can use the maturity amount and procure a permanent residence in Paradise which would be much bigger than the biggest house I can possibly buy on the Earth. (Surah Aal’Imran 133)
Divine Forgiveness is a bonus reward (Surah at-Taghabun 17).
The money is absolutely secure with no fear of my money getting lost anywhere (Surah Al-Zalzalah ayat 7) Guaranteed Shariyah compliant if invested in the right organisation.
The return I would get on maturity would definitely make my life comfortable and luxurious (Surah Al-Mutaffifeen 22-28) Highly recommended by God and His Messenger