In my area, one year ago 3-4 persons came and they posted advertisements in newspaper, distribute pamphlets, give advertisement in local cable network daily basis. That people have to invest Rs.5000 to Rs.300000 in their investment schemes. And they will give you 4% interest per month for their invest money. Minimum time of investment is 3 years and maximum time is 10 years. Then obviously few people goes and inquiry about them self. And some people invest money their. Then after 1 month, those people received 4% interest for their investment. So they told this scheme about their friends and their circle. With that a lot of new people everyday comes to inquiry about their scheme as everyday they heard and seen in newspaper, pamphlets and local cable network. In this way they continue their investment scheme, soon from all over India a lot of people started invest in their scheme. In the end of year they have 1 million investors and Total 4 billion US$ invested. And in the next year , first day, that company goes vanish with all money. and Police, CBI of India are not able to trace anything about those peoples who running this scheme. SO MORAL OF THE STORY IS When return in unbelievable , do not invest their. Some times people paid you to gain trust, but later they will definitely goes to scam.