Invest into a “Risk instrument” or non-investment instrument, means that some of the cash is going to another entity like an insurance company for some reason. e.g.
Group life insurance
Permanent health insurance
Funeral policy
Loan payments
For now the management of these insurance and load products takes place outside of the system. The system only need to keep record of:
1. The amounts paid to the instrument with dates paid
2. Name of instrument
3. Underlying entity that received the money. e.g Insurer