Why are there two guaranteed annual return options during signup? How should I pick?

During the signup for Market+, there is a selection for the guaranteed annual return⁵ and you must pick one. There are two options to provide you the opportunity to make the right financial decision for your individual goals. Choosing a higher guaranteed return amount will decrease your investments and, therefore, may result in a lower variable market-linked return, but you will be guaranteed to earn the selected guaranteed annual return.