Please allow me to pose a hypothetical question to all Pro or against Genneva scheme sifu:

1. Say you took the risk, invest in Genneva for the past 12 months and SUCCESSFULLY earned RM40k of Hibah in the pocket, all your initial capital are re-funded and intact, now INVEST in Citibank FD earning 5% (the offer for any new fresh fund, currently still running).
2. Then you re-"invest" this "new-found" RM40k back into Genneva, earning RM800.00 month after month, keep renewing it with the same RM40k earned capital (full 100% military-grade discipline), pocketing the "Hibah/interest" of RM800.00/month
3. You can surely afford to have Genneva close shop due to whatever reason, then decided to sell off the gold in hand (say 200gm) at whatever "cheap" price
4. You are still a winner, right? As long as Gennvea is still running, you are still a "no risk" investor/schemer/fool.

In life, everything involve risk: marriage (divorce later, abusive spouse etc possible?), working (bad boss, manipulative colleague, company close shop, met with accident on the way to work or back home, occupational hazard, or new management find excuse to get rid of old faithful staffs to cut cost etc), home living (being robbed/killed/injured etc Alarm and camera system selling very well now), holiday local/oversea (transport related accident, disease, stumble into criminal, being conned of fake stuff/warranty etc) and anyone of us may have stroke/diagnose of terrible disease tomorrow and many many more.

So, Genneva is also another RISK in which we can take (like new job or new wife/hubby), managed or non-managed, it is still RISK! Small appendicitis surgery is simple procedure, also has RISK (managed/no managed) your life is in the hand of the man who cut you.

I knew Genneva about 4 years ago, I happened to follow a lunch mate to their office at that time, not many customers at that time, heard all sort of incredible story from customers and also agents who made it big. I also don't believe into it, while my friend earning a big bulk of money from it till today, another way of saying, I MISSED the boat!

However, seeing Genneva still surviving "healthily" in 2011, beyond my understanding. I decided to take this calculated/managed/non-managed RISK, and sailed through the "trading" or "investing" or "being Ponzied", whatever you called it.

The above 1. - 4. is my actual life experience with Genneva and still going on as I type this. I believe there are many "discipline" fools like me doing the same earning some extra pocket money for the food bill on the table. Definitely better than putting the RM40k into 3% FD earning RM1200.00 after one year, vesus 800x12=RM9600.00 per year!