Rule of thumb: All scams are illegal but not everything illegal is a scam.

Just cuz we don't understand the business model doesn't make it a scam.

Anyway the way I look at it, they have been and will continue to pay out that 11% per month return because existing clients are not withdrawing their capital even after 2 years plus more and more new investors are coming in.

I've done sufficient research to conclude that this 'scheme' is not going to close down anytime soon. It's very well set up with a lot of transparency and media hype. I would say this will easily run at least for the next 18 months. I have even spoken to BNM and they too say its very well set up.

So while we debate if its a scam or not, others are making money by the day. So its entirely up to you if you want to continue debating its merits or just jump on board the train.

FYI, if you knew me well enough u'd know that im a safe investor with my main investments in property, ASB and the Parenthood Theme Park. I don't usually partake in anything above a certain risk threshold. But I am in this for the reasons mentioned above.

FYI, I personally know of 2 individuals who used to be Public Mutual agents. They pumped in about 220K each into FX United about 11 months ago and they make RM42K per month now. They have now given up on their Public Mutual daytime jobs.

Even the Geneva scam, a huge number of the early investors made a lot of money. Its only those who invested late who got burnt.