What is the ruling on investing in a foreign company that requires a deposit to invest it in currency trading and distribute profits daily according to two systems: the first with a variable daily profit between 0% and 2% with the deposit refunded after 10 months, and the second with a fixed daily profit (0.1%) and variable for those whose capital exceeds $1000 with the deposit refunded after 8 months? Is it permissible to subscribe to either of the two systems?

It is not permissible to consider a deposit an investment if the principal is guaranteed, as it then falls under the ruling of a loan. Investment with companies is only permissible through legitimate Mudarabah (profit-sharing partnership), in which there must be an agreement on a known percentage of the profits, if any. In the event of a loss, the capital owner alone bears it, and the Mudarib (investor/manager) loses his effort. It should be noted that a Mudarib guaranteeing the principal invalidates the Mudarabah contract.