The scheme seeks to invest at least 80 per cent of the corpus in fixed income and money market instruments and up to 20 per cent in equities. Under the monthly option the scheme offers an assured return of 15 per cent for the firsttwo year, 13 per cent for the third year, 10.75 per cent for the fourth year and 9.25 for the fifth year. Under the cumulative option the returns are accumulated.