Methods and systems are provided for structuring and investing in a single investment vehicle that combines a guarantee of a predetermined percentage of principal along with a potential for returns historically associated with high risk equity investments. Methods and systems of the invention are useful for allocating investments to provide potentially high yields while preserving a guaranteed amount of principal over a predetermined investment period. Methods of the invention are also useful for providing institutional investors with a return driven investment vehicle that also provides access to principal during an investment period in order to meet pre-existing or continuing financial obligations.