You may want to consider Segregated Funds. Segregated Funds are very similar to Mutual Funds but with a few different features.
Segregated funds offer a guarantee feature.
If the markets grow you will of course receive your normal growth. With Segregated Funds you protect yourself from the downside risk but still profit from market growth. Segregated Funds also offer creditor proofing. Unlike normal investments Segregated Funds are safe from creditors as they are legally considered to be Life Insurance contracts. This means that your return may be somewhat lower.