This is what i always heard in my 8 years in financial industry.
Client: Sure make money anot?
Reply: Don't worry. The market will go up 10% by end of this year.
Client: What if my investment lose money?
Reply: If lose money, I will pay for your losses.
Client: Can update me how is my investment doing?
Reply: You invested 50k. Now value is 40k
Client: Huh. Lose money huh.
Reply: Don't worry so much. The markets is going to rebound soon.
就是等这个机会了.
Sound Familiar?