[youessayyyaway]

Rate of return is a remarkably good metric for identifying scams.

If they offer more than ~12.5%, run away. Avast, ye salty dogs: a piece o' eight ain't worth losing yer shirt over.

[zeven7]

IMO your number is still too high

[youessayyyaway]

My actual red-flag point was closer to 8-9% pre-inflation. But that is less amenable to pirate jokes, and you can get I-bonds approaching 10% from the government now.