I'm a newbie in this crude oil thing. Having invested in some land bankings and properties (still waiting for my fruits after 6 yrs), 12% per annum GUARANTEED returns seems a bit OTT.

Lets do some simple calculations: (#invest;#ROI)
1) RM100; ROI RM12/year or RM1/mth
2) RM100k; ROI RM12k/year or RM1k/mth
3) RM1mil; ROI RM120k/year or RM10k/mth

If I do not have cash, I loan from bank at max 8% per annum. I still get 4% per annum in returns without any money down. Good deal?

If it is GUARANTEED, why the company wants to seek public's money to invest? Is it because they could not get the loan from the bank because of the risk is too high?

Maybe I've missed out something, but it is a food for thought.

Also, I questioned about about the income tax on our ROI the sales director said no need declare at first. Then I asked what if my ROI is significant, example invest 2mil, and yearly I get RM240k. I got the answer, get a good accountant. Which is true...

But what bugs me is when the money channels into this investment company in Msia, it will surely channel into each and every investor's account. The crumps are there for IRB to hunt us down.

Therefore I need to learn more from the gurus here.