Blessed are the meek and faint of heart, for they shall have guaranteed investments (provided of course that no-one else minds).
Guaranteed investments are a great deal for those who want an investment with no risk to capital – in other words, what you give is the minimum you will get back. Products such as guaranteed income bonds offer a zero-risk capital investment combined with the real potential for growth. Some even offer a regular income based on interest from your lump sum, based on a rate agreed at the start. In return, you must lock your money away for, usually, 5 years.
Other options are GIFs (Guaranteed Investment Funds) where you pay extra for an insurance that your funds investment cannot fall, providing again the full return of your capital sum as a minimum. If your investment grows, you can even reset that new figure as your guaranteed minimum.
