If an investment seems too good to be true, it probably is. Usually the higher the estimated return, the higher the risk to you. Stick with time-proven ways to grow your investments. Feel comfortable with your investment decisions. If the risk in your investments keeps you from sleeping at night, they aren't worth it.
Life is too short.
Keep good records and check your statements each time you receive them. Always question anything that doesn't look right or that you don't understand. Read the Prospectus thoroughly before investing, do your research and understand how the fund works and all applicable expenses. Investing, if done properly, is a key to your future wealth. So don't forget to include these tips when you invest and watch your success.