Does 30-50% annual returns sounds good to you? Let me know what you guys think? Add-on: Pros: High Returns on Investment Cons: Potential downside 20%-30% on capital. High commission fees on profits.

With a 20% ROI, they can take your money and pay you your money over 5 years. In 5 years, by "word of mouth", they would have garner more funds and roll over the returns. With a fairly new company, there is no resolution when he/she decides to run away with your money. Once you start small, you get "hooked" into such good investment and will end up pumping more money and maybe losing your entire fortune. If really want to try out, just put in money that you can afford to lose and stop there. I do know of traders who just help their friends to handle money and a small token in return. If it is so lucrative, they would have just mind their own business and not doing this. Similarly, why do some "gurus" come out to sell their course(s)? With a nominal fee of $500, 1000 paying participants will result in half a million of untaxable income. Everyone wants to get rich fast, but don't want to do the hard work. Diversify your portfolio and make sure you can sleep at night. A poorer less stress life is better than a richer stressful life. All the best!

Generally, when it's too good to be true, it probably is. Very unlikely this can work well for decades when it comes to generating retirement wealth, you have to find something that you can keep doing for 20-30 years, with consistent returns (in the long run).

If they are that good, why do they bother to look for you? might as well just borrow money from the bank and dump everything in.

Just wondering why the investment/company (if legitimate) don't want to borrow from banks (one of the authentic ways to get funding), given the interest they have to pay is much lower than 30-50% of amt lent.

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Either 1) they (the company/investment) are not reputable enough/business plan not realizable or 见不得光 - doing something not lawful (e.g. money laundering - I m sure can get 20-30% easily since they just need the $$).

2) High risk - eg forex

3) your own business... i.e. you have full/high control or responsibility over the process and outcome...then definitely possible.