ODBD bank has just launched a single premium insurance plan underwritten by GF, a member of the ODBD Group. The plan guarantees your capital and returns after a 3- year period. It is advertised as earning 1.68% p.a. guaranteed after 3 years. Your father, who is in excellent health, is interested in investing $100,000 and asks you for investment advice. Explain how the investment works and discuss the factors involved in making a decision whether to invest. Please show workings and explain in detail.