Not every investment is right for everyone. No matter how smooth or attractive the marketing hyperbole seems to be, consider whether the returns match your quality, sustainability and credibility expectations – both the income return and capital return (return of your original investment). Nothing is guaranteed in investment – so don’t believe that. Returns that seem unrealistic, quite often are. Consider if the risk profile suits your tolerance range. Consider how you can exit the investment in a suitable time-frame without having to accept a lower price to effect a hurried sale. Consider the tax consequences of the investment. Do your research and take advice where you need it – nobody knows everything.