In our continuing salute to the movies and financial planning lessons, this line from the 1960 oater classic "The Magnificent Seven"
Calvera: If God didn't want them sheared, he would not have made them sheep.
Be careful out there. The investment world is full of charlatans who promise you something for nothing and usually you end up getting nothing for something.
One of the oddities of being a financial advisor is you learn that people mostly hear what they want to hear, and believe what they want to believe. I have seen portfolios with high priced annuities that come with a “guarantee”, limited partnerships that promised high distributions, but instead went down the tubes with no liquidity. I have been pitched non traded REITs that somehow find better real estate than their more liquid cousins that trade daily on an exchange.
If you are considering an investment be sure you understand it and trust the person offering it to you. Listen with your brain not your heart. Maybe record the conversation to listen to later when you can separate the opportunity from your desires.