When you read materials such as marketing brochures, advertisements, internet articles and advice from financial advisers, it is important for you to be wary of promises that sounds too good. You need to distinguish between whether are the information provided a fact or opinion. For example, if an investment return yield 5%, you need to ask whether is this merely a projection or guaranteed (if by whom). Also if they tell you that the investment is low risk - ask whether is this a fact or it is just the adviser's wild guess. For insurance, you need to ask whether the benefit is guaranteed or non-guaranteed. Moreover, if the adviser tells you that your pre-existing illness is unimportant - ask him whether is this factually correct or just his opinion.

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