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Should You Invest In Sukuk In Malaysia

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The Sukuk is an Islamic term which is equivalent of the bond. A bond, mainly issued by any corporations or governments, is a loan. These bonds are low-risk investments that can deliver a more consistent income through the interest payments. But as bonds involve interest payments and are not Shariah-compliant, it is completely prohibited by the Islamic laws. Sukuk is a great Islamic alternative for the bonds. It is a financial certificate which denotes complete ownership of particular assets.

When is this Sukuk Issued?

The Sukuk is issued by some companies and governments for raising money that is required for some of the projects. These are used for investment proceedings in order to buy some assets. Investors, in return, will get payments (periodic) as well as the principal investment amount when this Sukuk will mature. As the Sukuk is totally Shariah-compliant, it doesn’t involve any interest payments like any other conventional bonds. Instead of the interests, the payments for Sukuk come from asset rentals and profit sharing.

Should you invest in Sukuk?

If you are wondering whether or not you should invest in Sukuk in Malaysia, then here are some of the reasons why you must:

  • Consistent income: The Sukuk provides much regular payments, be it is yearly, quarterly or half-yearly. The payments are fixed and hence it is a good way to earn some consistent income. Thus, investing in this can help your get a predictable outcome regularly.
  • Low-risk: Another reason why you must invest in Sukuk is because it is a low-risk proposal. Everyone wants to keep their money in a safe place with lower risk. Investing in this field can help you to have a lower risk on your investment.
  • Preserve capital: It is always a good idea to invest in Sukuk as it is a good way of preserving the capital. If you want to cash out the investment, you can do it anytime. Unlike investing in equities, the price or value of Sukuk remains same and doesn’t go up and down.

How much return to expect from Sukuk?

The return that you will get from investing in Sukuk will depend a lot on your credit rating. When the Sukuk’s credit rating is low, it is much riskier but it can offer a good payout. On the other hand, when the credit rating of a Sukuk is high, it comes with much less risk. But in that case, it will offer a much lower payout. The Principal Islamic Lifetime Sukuk Fund will offer you an average interest of 5.9% every year on the main amount. So, if you have invested about RM1000, then you will receive RM59 as return every year.

Conclusion

Investing in Sukuk in Malaysia is quite a good idea and it is suitable under any market conditions. It can help you in managing the portfolio risk as well as it will provide diversification. As the market is quite uncertain, these days, investing in a low-risk plan like Sukuk is the best idea. You can gain a particular fixed income quarterly or annually by investing in a Sukuk.

Choosing a Hot and Cold Water Dispenser for Your Office

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If you want to drink hot or cold water in your office then you must install a hot and cold water dispenser in it. A water dispenser is a device that dispenses water whenever you need but if it cools and heats the water then it will be an added benefit of this device.

Reasons to have a Water Dispenser in Your Office

A hot and cold water dispenser offers several benefits when installed in an office, business, or home. It can be used conveniently to get clear and quality water every time as well as saves money, reduces the emission of carbon by reducing the use of water bottles, and eliminates waste of water. Some people shop for water dispensers to drink the water of their choice whereas others may invest in it to get hygienically clean water.

Things to Consider While Choosing a Water Dispenser

While choosing a hot and cold water dispenser for your office you will have to keep a few things in your mind like:

Types of Water Dispenser

Two types of water dispensers are available in the market – bottled and bottle-less.

  • In bottled water dispenser a gallon or bottle of water is placed on the top of the dispenser. The dispenser then dispenses the water when a button or hook is pushed or pulled. It can dispense cold and hot water as well as at room temperature. You will have to organize more bottles of water according to the demand for hot and cold water in your office.
  • In a bottle-less water dispenser, the dispenser is connected to the line of mains water supply. It then purifies the water through its filtration system before dispensing water cold, hot, or at room temperature. It can be used in offices where a replacing water bottle is not practically possible.

Styles of Installing Water Dispensers

Water dispensers can be categorized based on their installation methods like

Wall Mounted: These water dispensers can be mounted on the wall and connected to the electricity and water supply system of the office building to dispense cold and hot water.

Freestanding dispenser: It is a bottled water dispenser that dispenses water after placing a gallon or bottle of water in its spout.

Bottom Load Water Dispenser: In these dispensers, water is supplied into them from their bottom.

Direct Piping Water Dispenser: It can be connected directly to the water supply line of the building to dispense water continuously.

Tabletop Water Dispenser: These water dispensers are smaller in size and can be put on a tabletop or countertop to dispense water.

Method of Cooling and Heating Water

In some models, there are two separate dispensers to dispense cold and hot water. They have an element to heat the water stored in the tan of that section. These dispensers may need more space to put them. In this condition, you can invest in bottle-less or tabletop hot and cold water dispenser which can dispense water instantly in a limited place.

Thus by considering the tips discussed in this write-up you can choose the best hot and cold water dispenser for your office.