Is the return on investment certificates in Egyptian banks permissible or forbidden, and if it is forbidden, what are the available ways to invest money given the lack of experience in projects?

Investment certificates are a loan with usurious interest, which is forbidden. All jurisprudential conferences have ruled this. It is not permissible to invest money in them, and any interest earned must be disposed of by spending it on general Muslim welfare, and money should be withdrawn from usurious banks. Money can be invested in Islamic banks through savings accounts or investment deposits based on the legitimate Mudarabah contract.