Almost every investment scam has the same core: high, guaranteed returns with no risk. Real investments don't promise that.
Red flags to watch for:
- Fixed returns like '10% a month' or 'double your money in 3 months'.
- Rewards for bringing in new members.
- Pressure to decide today, or 'only a few slots left'.
- Payment to a personal M-Pesa number or till instead of a company account.
- No licence, or a licence number you can't confirm with the regulator.
If an offer ticks even one of these, stop and check before you pay anything.
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