@ ValleyFiah- ROI can be a deceiving financial ratio. Many different calculations can be used to determine return on investment, allowing people to skew numbers in their favor. This is one way that someone can create an enticing investment that is in fact not that good. ROI can be used to skew the risk/reward relationship to sucker investors into a bad investment. For this reason, one should always understand an investment. Investments should also be simple, allowing accurate projections of ROI and other financial ratios.