How do I pay zakat on my money deposited in an investment certificate, knowing that its returns are not enough for my large family, and I have no other source of income?

If the money deposited in investment certificates reaches the nisab (minimum threshold) and a hawl (full lunar year) passes over it, zakat becomes obligatory on it and is not waived on the pretext of idleness or insufficient profit, for the nisab legally signifies wealth. Zakat is due on the entire amount (principal and profit) if the certificates are permissible. If the money falls below the nisab, there is no zakat on it. Zakat-paid money is blessed and grows, and a Muslim should promptly pay zakat when its time is due. However, if the certificates are impermissible, the principal must be withdrawn, and the profit disposed of.