Are investments in my Embark account guaranteed not to lose money or are they insured?

No. As with any investment, there is some risk involved. While Embark accounts are designed to help balance risk based on factors such as the beneficiary's age and your overall risk tolerance, there is no guarantee that your portfolio will generate earnings. Before opening an account, you should carefully read and understand the Plan Disclosure Booklet and Participation Agreement and may wish to consult your own financial advisor.