Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

What are the marks of poor investment advice?
Anybody that offers a bigger return than a deposit claiming 100% safe is a fraud.  There is always a risk: Yes, you can gain 30% in a year, but nobody can guarantee that you'll repeat that gain the next. My own experience (and I do take risks), one year I go up, the next year I go down...