Considering the market conditions and the high volatility that we all have been witnessing since the last year owing to the onset of Covid-19 pandemic, maintaining financial stability has become the utmost priority. Moreover, with most traditional investment products, bank fixed deposits mostly and losing attention of the investors due to drastic fall in the rate of interest, it is time to park your money in products that have guaranteed returns. The rate of interest on bank fixed deposits have fallen from 8.5 per cent in the year 2014 to 5.4 per cent in the year 2020. While investing your money, it is not only important to look for products that guarantee returns but also cater to reinvestment risk and most traditional products lack. The maximum tenure for which most investment products available in the market today guarantee returns is five to ten per cent. None of the products available in the market today caters to reinvestment risk besides guaranteed return products that have emerged as the most successful alternative to bank fixed deposits which is the most trusted savings instrument of middle-class Indian.