Too much have been said about investment thing and I can tell from my last 30 years of experience that no investment is ever safe. You have to understand that if you are investing your amount under the objective of having good returns over the period of time, you are risking your invested amount to gain such returns. So you are actually taking risk as to increase your investment value. So if you are getting good returns on your investment it suggests that your investment is too risky. This is a catch 22 situation where you think that risk is too high so the probability of your amount gets washed off also increases. On other hand since risk is more you get a chance to get good profit from such investment. You have to be realistic and not optimistic or pessimistic and have to analysis both sides before deciding about the investment.

There are other investments like mutual funds where they say your invested amount will be safe but the returns may vary as per the market. It is almost like a risk free market wherein you are sure to get your invested amount back but the time period your amount gets locked hinders your revenue which you could have earned from other sources, also known as opportunity costs. One should also think about the revenue which one will not earn from other sources and blocks the money in another source. There are other kinds of investment where in you have to invest your amount and apart from the returns you can trade it for some material things. Pancard club investment scheme is one such scheme where in you can enjoy the luxury of spending days in hotels and resorts coz of your investment. As other investment scheme even this scheme has seen the dark sides. Earlier this scheme was termed as a scam. A fraud investment scheme imitated to cheat people off their money. Those were days when the scheme had plunged to rock bottom from a height where everyone thought that this scheme would do well in the market. They had to make great effort to come back in to the market. They are still in the market sans advertising and if you could do a bit research you would see that they have their office in majority of the cities across India. Pancard Clubs Limitedhave made sure to penetrate inside India with more mouth to mouth advertising rather than media.

So if you happen to come across investment all you have to decide only by calculating the opportunity cost of such investment. The opportunity cost is more than its better to invest in the other scheme and earn more profit. You have to compare between two schemes and your calculation should be done considering all the factors. On a personal note, consider those investment schemes which have been in the market for a long time than a new scheme. Since those investment scheme might have seen the height and depth of the market.