Saving money with saving schemes can be difficult, especially when you’re on a strict budget with heaps of financial responsibilities. However, if you’re looking to put away some extra cash so that you have some additional security in your life, one plausibly good solution could be to look into guaranteed plans such as guaranteed income or guaranteed living benefits plans. 

These policies are designed to help lower-income individuals save money and provide themselves with protection in case they experience sickness or injury that limits their ability to work. In this article, we discuss how these policies work and what they have to offer to those who need them most.

A 100% Return on Your Money

While it sounds too good to be true, guaranteed saving schemes often provide higher returns on your money than other investment vehicles. However, there is still the risk of loss. If you lose all your principal with guaranteed plans, they may not be an ideal option for you. 

They are great options for risk-tolerant investors who are willing to gamble more with their investments in exchange for higher returns.

No Speculation Involved

Unlike traditional stock options or futures contracts, you never have to guess if your saving scheme is going to work out. 

All of our plans are backed by a guarantee that makes sure your plan always pays out at least 80% of your original deposit. 

You get to decide what level of return you want and how much time you’d like to hold onto your money without losing interest—and we give you peace of mind that if it doesn’t pan out, we make it up for you with our guarantee.

Invest in Things You Know and Understand

While it can be tempting to try to make big, exciting investments that are out of your comfort zone, if you’re just getting started in investing, do yourself (and your money) a favor and stick with what you know. 

Keep It Simple

Most people think investing in stocks, real estate or business ownership requires too much time and money to be worthwhile. However, these may not be your best options if you are looking for guaranteed saving schemes and investment returns on a small budget. 

Learn how guaranteed plans are one of several ways you can quickly provide financial stability by investing as little as Rs. 50000 per month.

Less Risk Than the Stock Market

One of the main concerns that consumers have with mutual funds is market risk. When you invest in the stock, you are contributing to a share of ownership of that company. 

If it does well, your return will be high, but if its value drops because of poor performance or other factors, so will your shares’ worth. If you buy into a guaranteed investment contract (GIC), however, you are taking on very little risk for potentially better returns.

An Inflation Hedge

Inflation is essentially an increase in prices for everyday goods and services, which means that your money can buy fewer of those items over time. 

Having a guaranteed future plan income stream allows you to keep up with inflation, providing your paycheck will always be worth as much tomorrow as it was today (minus taxes). That said, if you do get hit with inflation—say through higher interest rates or the rising cost of living expenses—you have less flexibility to switch jobs and increase your salary at that point.

Plenty of Opportunity in This Market

As you make plans for your future, it’s important to consider all of your options. A life insurance policy can be an extremely valuable tool for giving you peace of mind about your family’s financial security. 

If you choose to invest in one, there are plenty of opportunities on the market. Here’s a look at some benefits that come with each

Buy When Everyone Else is Fearful and Sell When They’re Greedy

Buffett’s most famous quote is still true today, no matter what type of investment you’re considering. 

To be clear, don’t just buy when everyone is fearful and sell when they’re greedy; to succeed in any venture—especially investing—you need to have patience and follow a sound, well-thought-out strategy. In fact, buying low/selling high can be dangerous if you don’t know what you’re doing.

iSelect guaranteed future plan is a life insurance policy designed to protect you and your family against the risk of premature death. It works by a guaranteed future plan that, no matter when you die, your beneficiaries will receive a lump sum payment that’s equal to or greater than what they would have received if you had lived for another decade (10 years).


A guaranteed saving schemes plan offers investors the security of an investment tied to a guaranteed rate of return regardless of the performance of other investments in their portfolio. This allows investors to maintain financial responsibility & stability, particularly during unpredictable market conditions, with minimal risk and minimal required capital.