First thing, check if the scheme is registered with SEBI or RBI—their websites have lists, it's like the proper mount for a precious picture. But listen, even registration isn't a full guarantee; I've seen neighbours lose lakhs in "registered" cooperatives that vanished, bhishon jhal. If you lose money in a scam, getting it back is a painful, long fight through courts—like trying to salvage a photo damaged by monsoon dampness. I say this because in my shop, I frame certificates for people, and I've seen too many retirement fund papers turn into just... sad reminders in a frame.
#money#career
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