"Most viruses act in real time mode and are not stored inside your computer." How it manages that 2nd part varies by brand as well as the package you've bought, as more expensive products within the same brand offer more protection to justify their higher price.
It'll also monitor what's going on when you're using Windows, & hopefully stop anything that appears like it might be up to no good. A good security suite will use a database of known malware signatures, and if it detects code in a file that matches one of those signatures it'll block it, usually by quarantining it. Actually the best way to read about what security software does is to visit the web site for whatever brand you're interested in.
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