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High NAV Guaranteed Plans are products that investors see as a safe investment equity product. These funds help investors to get the highest returns from the stock market in the long run. These schemes are structured in such a manner that the collected funds can be invested either in equities or in debt instruments. As per the stock market conditions, the funds will be shifted into debt or equity portfolios.
This scheme provides the highest Net Asset Value(NAV) and net high returns. Since these schemes shift most of their money to debt by the end of the tenure, you can expect a return of 9-10%. You would also get some equity upside in these products, but it would be limited. And if you include other charges that are included in the scheme, the returns wouldn’t be as expected.