What is the ruling of the Shari'ah regarding dealing in the stock market and trading in silver and foreign currencies? And what is the ruling concerning profits distributed as follows: 65% for the investor, 15% for the speculator, 15% as company fees, and 20% for reserves, knowing that the principal amount is not guaranteed?

"It is forbidden to deal with international stock exchanges because they involve interest-based lending, the inability to deliver upon demand, and delayed قبض (physical possession or settlement). However, it is permissible to deal with them if it is possible to do so according to Sharia regulations. There is no objection to deducting a portion of the profits to cover potential losses (e.g., 20%) if this condition was stipulated from the beginning of the contract or mutually agreed upon, and this does not fall under the guarantee of capital which invalidates Mudarabah (profit-sharing partnership)."