PRUretirement growth is even BETTER than a capital guaranteed plan because the total amount of monthly guaranteed income you receive during the payout stage will DEFINITELY be MORE than the single premium you initially invested
Upon survival, the monthly income during the payout stage will be paid out regardless of your investment value after the accumulation stage (even if the investment value has turned zero)
The remaining amount of your investment value at the end of the payout stage will be paid out to you in a lump sum. you can use this amount for your personal enjoyment, for further investment, or perhaps save it as family's inheritance.