Old mutual annuity fund

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?

Doubts

Q:

Salaah: During prayer, I have a problem to recite properly and I focus on correct pronunciations. So I have to repeat again and again. Due to this my prayer goes too long. Even my four rakaats complete in 20 to 25 mins (one rakat takes 5 to 7 mins ). Zuhr takes one hour 10 mins. Please help me.

Wudu: If a person pours and splashes water on face three times and later on during salaah some doubts comes to mind weather his face was fully wet or not so what should he do? Continue to perform salaah or break the salaah and do wudhu again?