A:
If
the guardian invests the orphan's money for the sake of making profit while he is an expert in commercial affairs and he does not exceed the accepted limits, he will not be liable for it if the trade fails to make any profit. (Part No. 14; Page No. 232) The guardian should not stop investing the orphan's money until it is consumed by Zakah. Nevertheless, paying Zakah is obligatory for the guardian on the orphan's money if it reaches the Nisab (the minimum amount on which Zakah is due) and a Hawl (one full lunar year) has passed. Moreover, if there is commercial profit; the Hawl for the capital is considered a Hawl for the profit, provided that the capital reaches the Nisab. May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.