When you least expect it, you may be faced with an investment scam and even before you can draw your next breath, you may find yourself trapped! Investment scams always promise unprecedented returns beyond your wildest imagination. Delivered in a sweetest possible sales pitch, it can easily trap any unsuspecting prey. Even if you can avoid it, someone close to you may not. So how do you identify scams?

Do the S.P.O.T. test

Here are four simple tests you can apply whenever you are offered an “extremely high return with no risk” investment: