Yes, I completely understand your caution. I've personally encountered investment offers that at first glance looked very attractive: beautiful websites, "guaranteed" returns, friendly managers rushing you into a decision. In practice, such offers almost always raise doubts. Experience has taught me that it's better to carefully verify information and not rush into investments. It's especially helpful to pay attention to independent reviews and officially licensed companies. I recently came across a very informative article about Investment Fraud: Common Signs and How to Protect Yourself. Which clearly describes the main signs of fraud and ways to protect your money. It helped me learn to distinguish between real investments and potential pitfalls, and to feel confident in my financial decisions.

I've encountered similar situations, and your question is very important. I used to be interested in investing, too, and paid attention to promises of a "guaranteed income"—and believe me, that's always a sign of caution. Personally, I've learned to immediately check a company's reputation, search for reviews on independent platforms, and consult with experienced investors before investing. Now I focus only on transparent investment products with a proven track record, licenses, and real-world case studies. This not only helps me protect my money but also maintain confidence and peace of mind. Experience has shown that it's important to trust your own due diligence, not fancy advertising. Seeing safe and well-considered decisions work reliably truly instills confidence and inspires you to move forward. I try to avoid fraudulent offers, and learning from past mistakes helps me make informed decisions.