Don't Get Fooled · Chapter 5

Too-Good-Return Checker

When a deal forbids the check, the check has already failed. Enter the pitched return, and see the annualised rate, how long money would take to double, and whether the promise is even in the realm of the possible.

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Enter the pitched return and press Check the pitch.
From the book — Chapter 5. Annualise a monthly return: (1 + monthly)12 − 1. Rule of 72: 72 ÷ yearly % ≈ years to double. Honest broad-market money has doubled in roughly ten years, not months. Long-run averages: broad stock market ~7–10%/year, savings accounts 0–5%/year, government bonds 2–5%/year. A pitch of "1%/month" ≈ 12.7%/year; "3%/month" ≈ 42.6%/year; "12%/month" ≈ 289%/year — no honest strategy has ever sustained that.

Impossible returns, urgency built to stop you checking, and "guaranteed" alongside high numbers are the three Ponzi-pitch tells. Any one is a reason to walk away and, if real money is on the line, consult a qualified adviser. Everything stays in your browser — no sign-up, nothing stored.