I have seen investments like this before. It is impossible to guarantee interest rates like that in perpetuity. There was one in my home country about a decade ago; an investment club. It ended in tears. Sure the initial people did very well the first couple years as long as you pulled all your money out. My cousin wanted me to get in. He was making 30-60% a month on his investment. It collapsed after 2-3 years. I remember the laughs about missing out. Sure enough the main guy behind it is in US prison now since there were dual citizens who invested in the scheme and they lobbied the US government to go after him since a lot of money form here went into the scheme.