PPIC is an investment choice investing in fixed income which will be held until maturity, allowing members who choose the choice to earn returns that are tied to the invested assets. The PPIC is designed to provide members with an option to manage their accounts with an investment that will protect against losses in the underlying assets at maturity, while preserving some gains from the potential volatility of the underlying assets. If subscribed, members are required to stay in the plan throughout the term of invested bonds. Opting out of the plan is possible; however projected returns will not be realized since the returns will be calculated on the mark to market basis.