Investments and shares

Q: I have a question on putting investment.

We have a group of around 45 people and each guy is putting a total of 1200 AED for 1.5 years. And one guy among us is buying a Limo Taxi to run as per Government Rules and every month he will be giving us 15% of the money after his expenditures like room, food, etc.

Total 55000AED only will be from our group of people, and remaining cash needed-the guy who is purchasing the car will be arranging. As per him, he will be paying back monthly to Emirates Transport, a Government Authority, the cash he will arrange. We asked any interest in that, he said he is not sure about it.

We will be getting 15% from the 55000AED amount we are investing, and this is fixed percentage, and the amount may increase or decrease based on how much work he will get with his taxi. But the percentage will be same 15%.

I would like to ask you, if in the amount we are investing there is no interest, will it be haram for us? Because, in the amount this guy is arranging, he may be paying monthly to Authority with interest.

Q:  Can we save money in margadarshi like monthly deposit. Is it permissible?

Q: Is it permissible to save money like any chit funds, for example 40 months scheme for 40 laks but monthly we pay like 60, 70 etc.?

Q: I have some fixed deposits which accrues some interest. Now if I perform Hajj/Umrah from the halal money i.e. not earned from the interest, will it be accepted? I ask this, because I heard that the prayers of the one who deals with riba are not accepted. I'd also like to know if my other prayers, i.e., Salah, Fasting etc, are accepted as well?

Q: I would like to know if it is halaal to trade on the stock markets or buy shares in companies.

Q: I wanted to ask if premium prize bonds are halaal to purchase or not?

Q: I want to open an account in the bank. The name of the account is PLS (Prophet and loss saving). The policy of bank is if they invest my amount and earn some profit, they will give me my profit. If they have loss, then I will accept it. Is this is according to Islam or not? Please inform me. I shall be very thankfull.

Q: Is it okay Islamically to invest in the Old Mutual Albarakah equity fund?

Q: Which investments are Shari'ah compliant? And can you investment in an FNB Islamic unit trust or Albaraka unit trust?

Q: This question is regarding and old mutual annuity fund.

1.) Am I allowed to use the profits from this fund?

2.) If not, can I use the profits from this fund for renovations or Building a room for my domestic workers?

3.) What other options do I have in using these profits?