Before you invest, consider your complete financial situation, looking at both your current and future needs. In general, investors should avoid higher-risk investments unless they have a steady income, adequate insurance, and readily accessible cash reserves in case of a loss, and most important, are willing to accept risk to their principal. The risk of the investment is also yours. Risk and return go hand in hand.
Higher returns mean greater risk, while lower returns provide greater safety.
Be very suspicious of any claims that an investment will pay high returns without high risk. Never succumb to high-pressure sales tactics. Be suspicious of anyone whose main goal seems to be getting you to turn over your money before you have fully evaluated the investment. If any investment sounds too good to be true, it probably is. Don't invest in anything you don't fully understand.