Start the conversation
"Psst. Hey, I got something for you - the perfect investment.
"It's gonna give you 5% to 7% in income, plus appreciation. It does better than the stocks in down markets, and there's loads of upside potential when stocks are riding high.
"There's options trading, too, but get this: You don't have to worry about 'em - the fund manager's gonna take care of that.
"You in? Just sign here..."
That sounds pretty compelling, right? Income, appreciation, outperformance, and no trades to execute.
There's just one flaw: It's complete crap - and expensive, too.
So, naturally, it's selling like hotcakes, with investors falling for it hook, line, and sinker all over the place.