What is the ruling on a company taking a portion of a salary and investing it in stocks and bank bonds, then giving a lump sum upon retirement?

This transaction is forbidden for two reasons: The first is that it is a type of commercial insurance that involves usury (riba), as the employee pays a smaller amount than what he receives upon retirement. The second reason is the investment of funds in forbidden ways, such as investing in bank shares and bonds. Money must be invested in permissible projects to avoid ill-gotten gains and accountability on the Day of Judgment. It is not permissible to participate in this transaction, unless it is obligatory by the state, in which case the sin falls upon the one who imposed it or approved of the forbidden investment.