Which investment product is depicted as having the potential for guaranteed returns with monthly contributions, as described in the material?

• A. Savings Certificates
• B. National Solidarity Bonds
• C. National Instalment Savings Plan
• D. Deposit Brokers

Answer: (C)

Regular monthly contributions with a guaranteed return describe an instalment savings plan. This type of product is built for disciplined saving: you set aside a fixed amount every month, and over time the plan promises a guaranteed outcome at the end of the term. That combination—ongoing deposits plus a stated guarantee—makes it the best fit for someone aiming to accumulate savings gradually while preserving downside protection.

Savings certificates typically require a lump-sum investment upfront and lock in a fixed rate for a set period, rather than relying on monthly deposits. National Solidarity Bonds are fixed-income securities funded by a single purchase and paid interest on a set schedule, not through ongoing monthly contributions. Deposit brokers are intermediaries that arrange deposits and investments, not a savings product offering guaranteed returns.

So the product described is the National Instalment Savings Plan.