When someone promises a 4,233% return on investment, versus the market average of 7% to 12%, they are basically screaming to your face that this is the most risky investment imaginable. They could not be more open about the risk. https://www.ft.com/content/bd3a7cd8-f82b-45da-ba5c-eccb408fa5fc?syn-25a6b1a6=1