Gro Saver Flex Pro and Flexi Life Income are insurance products and offer some level of guarantees. Flexi Life Income provides a capital guarantee from the time the Yearly Income payout starts or earlier, depending on the duration of your premium payment period. This is unlike stocks, ETFs and REITs where your capital can be wiped out by market movements. On top of the guaranteed returns, Gro Saver Flex Pro and Flexi Life Income provide additional non-guaranteed returns.