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The Deferred Income option of the scheme offers an assured return of 26 per cent per annum in the third year. The assured return for the fourth and fifth year has been declared at 26 and 24 per cent per annum respectively. The cumulative option does not gaurantee any return. At least 80 per cent of the portfolio would be invested in fixed income securities, and up to 20 per cent of the corpus would be invested in equity and money market instruments.