Understanding risk and return.
In this guide
Guaranteed
Defined payouts, lower expected return.
Market-linked
Higher long-run potential but no guarantee.
Time horizon
Longer horizons can absorb more volatility.
Blend them
Many families hold both.
Key takeaway. Match the tool to the timeline of each goal.
General information only; not personal advice. Rules and limits change, so verify current details. Last updated October 2026.