NEWS FLASH:
The institution investing your money today can not only NO LONGER guarantee you a 3%-10% return, they can NO LONGER even reasonably guarantee that you will ever get you principle back.
NEWS FLASH:
The institution investing your money today can not only NO LONGER guarantee you a 3%-10% return, they can NO LONGER even reasonably guarantee that you will ever get you principle back.
No one guarantees at 3-10% return.
Treasures are as close to a guarantee as you can get.
Your advice is really shitty.
Should probably read a book or two.