a Guaranteed 20% return investment was introduced earlier and it is indeed legitimate. But do you know it is like an offer " Give me $10 now, I will give you back $9 ". And of course it is Guaranteed ! Gold Price is about $17,000 at the time that offer was made. You could easily buy a 100g gold bullion at $18,000 at market rate. A recap of the offer as below Summary Maximum Capital : $ 23,500 Total Return : $4,590 Rough Return : ~20% As you can see, you are actually paying an extra of $5,500 at the beginning without realizing it. ( If you know the gold price, you would probably NOT buying it, would you ? ) 23,500 - 18,000 = 5,500 Then through out the period, they will pay you back $4,590 and yet they can keep an extra profit of about $1,000 5,500 - 4,590 = 910 Of course it is Guaranteed ! Because you already pay them the money they will pay you back. All they need to do is to keep the extra money in a FD and they can easily honour the 'contract'...