Sri Lanka's NDB Aviva Wealth Management is marketing a capital-protected fund called Asai Bayai (meaning "Want to, but apprehensive").
The plan uses a traditional asset allocation model using its Eagle Income corporate debt fund to provide capital protection and its Eagle Growth and Investment equity fund to provide upside potential.
"If you are an investor who wants higher returns, stock market could be an ideal option," said Praboda Samarasekara, head of NDB Aviva Wealth Management.
The product allocates 90%, 85% and 75% to the fixed income fund for the one-, two- and three-year options, respectively.
NDB Aviva Wealth Management said it is trying to make mutual fund buying simple by allowing investors to structure their plans according to the maturity needs.