For the newbies, if any fellow aircrew ever approach you with a "good investment", ......ignore or run as far as you can.
At my very large US carrier, I won't name it, but it is close to the start of the alphabet, 2 large scams took millions of $$ and were orchestrated by fellow pilots.
Fortunately, one was sentenced to a TDY in a US Federal prison. I am not sure of his potential lifespan on an island of fellow pilots.