You want to preserve your limited nest egg and live on it too. But lucrative sure-things just don’t exist in the world of investments, especially in today’s low-interest era. Still, the Internet is as full as ever of pitches for such products: 18% annually from buying car loans; 16% investing in Brazil land deals; 10% per month trading options. At best, such returns come only by assuming a huge amount of risk, which is being minimized in a fraudulent manner.