If the returns are sounding too good to be true, they are. There is no sure deal. Guaranteed high returns is a lie. The least risky way for you to get slightly higher return is an index mutual fund. Don't believe the sale spicpill of the person. Ask them to put his or her name, date, organization, name and signature on that. If the person is unwilling to do that, walk away. It's only when you understand the product then you start investing into it. Just cut out the noise and just focus on er preservation of wealth. That's my message into you.