Hi if you want a 'savings' policy with capital protected you should find a notice account in a bank, I would consider this a risky enough policy to be in for just pure savings, you need to be willing to ride it out long term if it is speculative savings. Weigh it up for what the money is for eg. kids college money = notice account, money to play around with = speculative investment, stay in fund and performance will eventually improve. BOI probably worded it in such a way that they advised you to pay in but covered themselves as well, they can't promise on performance, I would suggest seeking advice from a Financial Advisor if you aren't sure.