Seg funds are a good buy for those who are not ready to take huge risks but are still looking for an investment that can earn them high returns. Seg funds give you a guarantee of full or a part of your investment or say principal amount even after investment. If the value of invested amount increase, then benefits will be earned at the end of the policy but if the market fall, the losses will be diluted depending upon the terms of the policy you purchased. If you die the benefits or compensation will be given to the nominated person.