Guaranteed capital funds are standard investment products. They ensure the amount paid on the due date shall at least equal the original investment, less fees. The return paid on the fund's maturity date is linked to changes in underlying assets like a market benchmark or basket of equities. The main protection is ensured by including derivatives like options in the fund.

Certain products ("click funds") generate gains via "clicks". Put differently, when the underlying index reaches predetermined levels, the fund locks in the resulting gain permanently, independently of future movements in the underlying asset – or put briefly, if it loses value. In addition, the investor continues to benefit from any further gains.

The interest and exchange-rate, liquidity, volatility and insolvency risks depend on the type of assets included in the structure.