Q: I have $100,000 in my retirement fund. I cannot withdraw any amount from this find until the next 10 years. If for some reason I withdraw, I will get $80,000 after penalty. On what amount do I have to pay zakah either $100,000 or $80,000?
A: Since you have invested the hundred thousand with your own choice, zakaat on the entire amount is payable. However, you may discharge the zakaat of the entire amount every year or alternatively you may pay the zakaat of the hundred thousand upon receiving the money (i.e. after ten years). In that case you will have to discharge the zakaat for the past ten years. Investing in a retirement fund is impermissible. You should sincerely make tawbah and repent to Allah Ta'ala for this sin.
And Allah Ta'ala (الله تعالى) knows best.
يَا أَيُّهَا الَّذِينَ آمَنُوا إِنَّمَا الْخَمْرُ وَالْمَيْسِرُ وَالْأَنصَابُ وَالْأَزْلَامُ رِجْسٌ مِّنْ عَمَلِ الشَّيْطَانِ فَاجْتَنِبُوهُ لَعَلَّكُمْ تُفْلِحُونَ ﴿٩٠﴾ إِنَّمَا يُرِيدُ الشَّيْطَانُ أَن يُوقِعَ بَيْنَكُمُ الْعَدَاوَةَ وَالْبَغْضَاءَ فِي الْخَمْرِ وَالْمَيْسِرِ وَيَصُدَّكُمْ عَن ذِكْرِ اللَّـهِ وَعَنِ الصَّلَاةِ ۖ فَهَلْ أَنتُم مُّنتَهُونَ ﴿المائدة٩١﴾
( وسببه ) أي سبب افتراضها ( ملك نصاب حولي ) نسبه للحول لحولانه عليه ( تام ) بالرفع صفة ملك ( الدر المختار 2/259)
(و) البيع الباطل ( حكمه عدم ملك المشتري إياه ) إذا قبضه ( فلا ضمان لو هلك ) المبيع ( عنده ) لأنه أمانة وصحح في القنية ضمانه قيل وعليه الفتوى (شامى 5/59)
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