Each and every product has their own risk. In any kind of investment, one of the basic rules is “High Risk High Return”. The consultant will do the necessary due diligent and financial analysis to ensure the risk appetite of the client as well as the financial goals before come out with the financial products that suits to client needs. Rest assured, “Guaranteed Return” is a Non-Shariah compliance, and in addition, u may also call that kind of financial product as a scam.