Is a guaranteed investment return a scam?
Almost always. All real investments carry risk. 'Guaranteed' or 'risk-free' high returns are a hallmark of investment fraud.
Last reviewed: 1 June 2026
Explanation
No legitimate investment can guarantee high returns with no risk — risk and return go together. Scammers use 'guaranteed', 'risk-free', and 'fixed daily profit' language to lure deposits into fake platforms, Ponzi schemes, and 'AI bots'. If returns are promised regardless of market conditions, treat it as fraud.
Common red flags
- Guaranteed, risk-free, or fixed high returns
- Pressure to deposit quickly
- Unregistered firm or platform you can't verify
- Withdrawals blocked behind fees
What to do now
- Don't invest under pressure or on guarantees
- Check the firm on your financial regulator's register
- If you've deposited, stop and contact your bank; report it
Frequently asked questions
Aren't some products low-risk?
Some products are lower risk (like insured deposits), but they offer modest returns, not high 'guaranteed' profits. High returns marketed as guaranteed or risk-free are a scam signal.