OwnerSheep vs Everything Else:
The Halal Comparison
SSBs. Unit trusts. Gold. Property. Crypto. Most Singaporean Muslims have looked at all of them. Here is a straight-up comparison: halal status, entry cost, proceeds output, and what you actually own.
Most "safe" options in Singapore pay riba. Or barely keep up with inflation.
SSBs yield around 2.5–3% a year. That is riba, and it barely beats inflation. Unit trusts average 5–8% p.a. and most are not Syariah-screened, so your capital is at risk. Property needs hundreds of thousands in upfront cash and a conventional mortgage. Gold has no guaranteed proceeds and does not compound. OwnerSheep gives you a physical halal asset, managed for you, with projected proceeds output of 28–90% over 36 months, depending on the tier you enter.
SGD $15,000 Across 36 Months: The Honest Comparison
Based on publicly available rates and the OwnerSheep Programme deck (Apprentice tier). All figures are indicative and do not constitute financial advice.
| Option | Halal Status | What You Own | Entry Cost | Return on $15k over 36 months | Your Money Is... |
|---|---|---|---|---|---|
| 🐑 OwnerSheep (Apprentice) | ✓ Halal | Physical sheep. Milkiyyah ownership. Registered in your name. | SGD $15,000 | 28–36% output (~$4,200–$5,480 proceeds) |
Working in a real asset you own |
| 🏦 SSB (Singapore Savings Bond) | ✗ Riba | A bond. A promise from the government to pay you interest. | $500 min | ~7.5–9% (~$1,125–$1,350) |
Earning interest (riba) |
| 📈 CPF SA top-up | ✗ Riba | An account balance. Locked until 55–65. | $1 min | ~12.5% (~$1,875) but locked in |
Locked away, earning interest |
| 📊 Unit Trust / Mutual Fund | ⚠ Mostly not halal | Units in a fund. No direct asset ownership. | $1,000 min | ~15–26% (varies, capital at risk) |
Exposed to market volatility |
| 🥇 Gold (physical) | ✓ Halal | Physical metal, if allocated. Not a paper claim. | ~$3,000–$5,000 for meaningful weight | ~15–25% (no guarantee, price-dependent) |
Sitting in a vault, no yield |
| 🏠 Property (SG) | ⚠ Mortgage = riba risk | Titled real estate. High entry, illiquid. | $80,000–$200,000+ downpayment | Variable. Leveraged. High risk if rates rise. | Highly leveraged, conventional debt |
| 💸 Crypto / Digital assets | ⚠ Majority scholars: doubtful/haram | A token. No physical backing. | Any amount | Unpredictable. Could be -80% or +300%. | Speculating, not investing |
The More You Commit, The Higher Your Return
All figures represent proceeds output over the 36-month cycle. Figures from the official Aliyah Rizq Holdings OwnerSheep Programme deck.
5 Things OwnerSheep Has That Nothing Else Does
Real Physical Ownership
You own real sheep — registered under your name in a real farm in Kota Tinggi, Johor. Not a unit. Not a certificate. Milkiyyah: genuine transfer of title.
100% Syariah-Compliant
Structured under Wakalah (agency) and Milkiyyah (ownership) principles. No riba. No gharar. No haram underlying assets. What you earn comes from real livestock yield.
Your Qurban & Aqiqah, Sorted
Because you own the sheep outright, you can designate any of them for Qurban or Aqiqah. Your assets do double duty: financial and ibadah.
Fully Managed. Zero Effort.
Aliyah Rizq handles everything: feeding, healthcare, breeding, logistics. You receive annual updates. You receive proceeds at contract conclusion. Truly passive.
Backed by a Credible Operator
Aliyah Rizq Holdings holds ASEAN Records, Asia Records, and Malaysia Book of Records for livestock operations. Featured on CNA, Berita Harian, Straits Times, and Bernama. SME500 Singapore Award Winner 2025.
Returns Scale With Commitment
The more sheep you hold, the higher your Multiple Birth Factor — more offspring per cycle, higher proceeds output. From 28% at entry all the way to 90% at Master tier.
Common Questions, Answered Straight
Ready to Own Something Real?
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