<prompt> Human: Hi reddit! A friend has been offered an 80 annual profit if he invests more than 250k. The guy that made the offer is in theory one of the most important traders at an important bank. He met the guy like 4 years ago when he was a student and we know he is quite rich because hes paid for some travels for a lot of people to expensive places. Regardless of his credibility Id like to ask you if you have hadheard of similar situations and whether it could be a fraud. 80 annually seems too high for me even if the guy is an important trader and my friend is going to invest all his familys savings 250k. Thanks!  <response>: Its almost a guarantee that hes going use your friends money to pay off a different person that he did the same thing to 