Investors generally set two objectives in evaluating an investment: (a) As high a return as possible ("yield" in the form of interest, dividends and/or long term appreciation), and (2) Safety .... Ponzi and pyramid schemes normally attract unsuspecting investors by the promise of an unusually high rate of return .... Experience has demonstrated, however, that as a general rule, the higher the return on an investment, the riskier it is likely to be ....