Is it Sharia-compliant to participate in a retirement program whose funds are invested in stocks and bonds, some of which are impermissible, and to dispose of the profits on an ongoing basis – whether they are permissible or impermissible – in order to benefit from the company's contribution, or is it obligatory to withdraw entirely from the program?
It is not permissible to subscribe to a fund that invests its money through forbidden means, even with the intention of disposing of the profits and only taking back the original installments; because engaging in invalid contracts is forbidden.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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