Don’t Let Your Hard-Earned ₹10,000 Slip Away.
Unmasking Stock Market Scams with Vijay Kedia’s 10 Red Flags
Don’t Let Your Hard-Earned ₹10,000 Slip Away: Unmasking Stock Market Scams with Vijay Kedia’s 10 Red Flags
Imagine this: You’re a common investor in India, earning ₹10,000 a month after slogging through long hours at your job. Maybe you’re a schoolteacher in a small town, a shop assistant in a bustling city, or a factory worker saving every penny for your family’s future. You’ve heard stories of people turning small investments into crores in the stock market, and you decide to take a chance. You invest ₹2,000—your hard-earned savings—into a stock that promises to “revolutionize the renewable energy sector.” The company’s stock price soars, your hopes skyrocket, and you dream of a better life. But then, overnight, the stock crashes to zero. The company was a scam, and your ₹2,000 is gone forever. How could this happen? How could you have known?
This isn’t just a hypothetical scenario—it’s the harsh reality for countless small investors in India. But here’s the good news: you can protect yourself. On April 16, 2025, legendary investor Vijay Kedia dropped a bombshell on X, revealing 10 red flags that scream “scam” before a company collapses. As a retail investor with limited resources, you can’t afford to lose even a single rupee. So, let’s dive deep into Kedia’s warnings, break them down with real-life examples, and arm you with practical tools to spot these red flags before they drain your savings. Don’t let your dreams become a nightmare—read on to safeguard your money!
The Wake-Up Call: Vijay Kedia’s Warning and the Gensol Debacle
Vijay Kedia, a name synonymous with wealth creation in India’s stock market, isn’t just a billionaire investor—he’s a beacon of hope for retail investors like you and me. On April 16, 2025, he posted a chilling message on X: "There are many 'Gensol's till hiding in the cupboard—waiting to tumble out with time. Let’s hope it’s not too late by then." What did he mean by “Gensol”? He was likely referring to Gensol Engineering, a company that made headlines in March 2025 for all the wrong reasons.
Gensol Engineering, once a darling in the renewable energy sector, suffered a massive blow when its credit rating was downgraded to ‘D’ by agencies like CARE and ICRA. Why? A “short-term liquidity mismatch” and allegations of falsified debt servicing records, as reported by Moneycontrol on March 5, 2025. ICRA even flagged governance issues, pointing to Gensol’s ties with BluSmart, a loss-making company linked to its promoters. The stock price plummeted, leaving small investors who had poured their savings into the company devastated.
Kedia’s post isn’t just a warning—it’s a lifeline. He lists 10 red flags that can help you spot a scam before it’s too late. As someone earning ₹10,000 a month, you can’t afford to lose even ₹500. So, let’s dissect each red flag, learn from real-world examples, and uncover practical ways to protect your money. But first, let’s travel back in time to understand how these red flags have played out in some of India’s biggest stock market scams. These stories will show you the devastating consequences of ignoring these warning signs—and why you must act now.
Lessons from the Past: India’s Biggest Stock Market Scams Exposed
To truly grasp the power of Kedia’s red flags, let’s look at some of India’s most infamous stock market scams. These cases—spanning decades—show how companies and individuals exploited small investors like you, often exhibiting the exact red flags Kedia warns about. By understanding these scams, you’ll see how history repeats itself and why vigilance is your best defense.
The Harshad Mehta Scam (1992): The King of Overpromising and Media Hype
What Happened: Harshad Mehta, dubbed the “Big Bull,” was a stockbroker who manipulated the Indian stock market in the early 1990s. He promised investors astronomical returns, claiming he could make stocks like ACC and Apollo Tyres skyrocket. Mehta used fake bank receipts and exploited loopholes in the banking system to borrow massive funds, which he then pumped into select stocks, inflating their prices. The media went wild, portraying him as a financial genius. But in 1992, the scam unraveled when it was revealed he had siphoned off ₹4,000 crore (equivalent to over ₹30,000 crore today). The Sensex crashed, and small investors who had bought into the hype lost everything.
Red Flags It Matches:
Talk Big and Overpromise: Mehta’s promises of guaranteed high returns were too good to be true—a classic red flag.
Constant Media Presence: He was a media darling, often featured in interviews flaunting his wealth, which distracted investors from digging deeper.
Impact on Small Investors: Imagine being a teacher in 1992, earning ₹3,000 a month, and investing ₹500 in a stock Mehta hyped. When the scam broke, that stock became worthless, and your savings vanished. Thousands of families faced similar losses, with some losing their life savings.
How You Could Have Spotted It: Check historical performance—stocks Mehta promoted had no fundamental growth to justify their price surge. Compare with industry peers—if a stock’s price rises 300% while competitors grow 10%, it’s a red flag.
The Ketan Parekh Scam (2001): Chasing Trends and Magnifying Developments
What Happened: Ketan Parekh, often called Harshad Mehta’s protégé, orchestrated a similar scam in the late 1990s and early 2000s. He focused on tech and media stocks—known as the “K-10” pack (e.g., HFCL, Global Tele Systems)—during the dot-com boom. Parekh hyped these stocks as the future of technology, magnifying small developments like a new client win into major news. He borrowed heavily from banks and used circular trading to inflate stock prices. When the dot-com bubble burst in 2001, and his manipulations were exposed, the Sensex crashed by 4.13% after the Union Budget, as noted in the Wealthdesk article. Parekh’s scam cost investors ₹1,500 crore, with small investors bearing the brunt.
Red Flags It Matches:
Diversify into Unrelated Businesses to Ride Trending Narratives: Parekh chased the tech boom, hyping companies with little substance in the sector.
Magnify Even the Smallest Developments: A minor contract was spun as a game-changer to drive stock prices.
Frequent Fund-Raising Without Clarity: He borrowed heavily without showing sustainable growth in the companies he promoted.
Impact on Small Investors: If you were a shop assistant in 2001, earning ₹5,000 a month, and invested ₹1,000 in HFCL based on Parekh’s hype, you’d have lost it all when the stock crashed. The scam led to a market-wide panic, wiping out savings for countless families.
How You Could Have Spotted It: Verify announcements—Parekh’s hyped contracts were often vague or non-binding. Check the core business—many K-10 companies had no real tech expertise. Track stock price reactions—a 50% jump on minor news is suspicious.
CRB Capital (1990s): Lavish Lifestyles and Fund Misuse
What Happened: Chain Roop Bhansali, the founder of CRB Capital, ran a financial services empire in the 1990s, promising investors high returns through fixed deposits and mutual funds. Bhansali lived a lavish lifestyle—throwing extravagant parties and buying luxury properties—while his company struggled. He raised funds aggressively but diverted them into personal ventures or risky investments, leaving little for investors. In 1997, CRB collapsed, unable to pay back ₹1,200 crore to depositors. Small investors, lured by promises of 15-20% returns, lost their life savings.
Red Flags It Matches:
Flaunt Lavish Promoter Lifestyles: Bhansali’s extravagant lifestyle didn’t match CRB’s financial health.
Raise Funds Frequently Without Clarity: He collected deposits but couldn’t show how they were used.
Talk Big and Overpromise: High return promises were unrealistic given the company’s operations.
Impact on Small Investors: Imagine being a factory worker in 1997, earning ₹4,000 a month, and investing ₹1,500 in CRB’s fixed deposits for your child’s education. When CRB collapsed, that money was gone, shattering your dreams. Lakhs of small investors faced similar fates, with some losing their entire retirement savings.
How You Could Have Spotted It: Check promoter behavior—news reports of Bhansali’s lavish parties were a red flag. Review fund utilization—CRB’s annual reports (if available) would have shown no real growth despite raising funds. Compare with financials—if returns promised are far above industry norms (e.g., 15% when banks offered 8%), be cautious.
DSQ Software (2000s): Flashy Buzzwords and Governance Failures
What Happened: DSQ Software, led by Dinesh Dalmia, was a tech company that rode the dot-com wave in the late 1990s and early 2000s. Dalmia used buzzwords like “next-gen software solutions” to hype the company, despite having little real innovation. He inflated revenues by faking invoices and clients, and engaged in excessive related-party transactions to siphon off funds. Key personnel, including auditors, resigned frequently due to disagreements over financial reporting. In 2001, the scam was exposed, revealing ₹600 crore in fraudulent transactions. The stock crashed, and small investors who bought into the tech hype lost everything.
Red Flags It Matches:
Overuse Flashy Buzzwords Without Substance: “Next-gen software” was just jargon with no real innovation.
Frequent Exits of Key Personnel: Auditor resignations signaled internal issues.
Excessive Related-Party Transactions: Funds were diverted to Dalmia-linked entities.
Impact on Small Investors: If you were a clerk in 2001, earning ₹5,000 a month, and invested ₹1,200 in DSQ Software hoping for tech-driven wealth, you’d have been left with nothing. The scam eroded trust in the tech sector, leaving small investors wary of new-age companies.
How You Could Have Spotted It: Scrutinize product claims—DSQ’s website and reports lacked details on how their “next-gen” tech worked. Track management changes—frequent auditor exits were reported on BSE. Check RPTs—annual reports showed large transactions with Dalmia’s private firms, a clear red flag.
Saradha Group (2013): Ponzi Schemes and Overpromising Returns
What Happened: The Saradha Group, a chit fund company in West Bengal, promised investors returns of 20-30% through “safe” investment schemes in real estate and media. Led by Sudipta Sen, the company raised ₹2,500 crore from 17 lakh investors, many from rural areas. Sen used media hype—launching TV channels and newspapers—to create a façade of legitimacy. In reality, Saradha was a Ponzi scheme, paying early investors with new investors’ money. In 2013, the scheme collapsed, unable to sustain payouts. Investors lost ₹2,500 crore, and Sen was arrested after fleeing with the funds.
Red Flags It Matches:
Talk Big and Overpromise: Returns of 20-30% were unrealistic for a chit fund.
Constant Media Presence: Saradha’s media ventures were a distraction from its Ponzi operations.
Raise Funds Frequently Without Clarity: Funds were collected but not invested in real projects.
Impact on Small Investors: Picture being a farmer in West Bengal in 2013, earning ₹6,000 a month, and investing ₹2,000 in Saradha for your daughter’s wedding. When the scam broke, that money was gone, along with the hopes of millions of rural investors. The Saradha scam sparked protests and highlighted the vulnerability of small investors.
How You Could Have Spotted It: Compare with industry standards—20% returns were far above what legitimate chit funds offered (8-10%). Monitor media patterns—Saradha’s media ventures were more about hype than substance. Check fund utilization—there were no real estate projects to justify the funds raised.
The 10 Red Flags: Your Shield Against Stock Market Scams
Now that we’ve seen how these scams devastated small investors, let’s break down Kedia’s 10 red flags, tying them to these historical cases and the recent Gensol Engineering debacle. Each red flag comes with practical steps to protect your ₹10,000 monthly savings.
Red Flag 1: Talk Big and Overpromise—Don’t Fall for the Hype!
What It Means: Companies that promise the moon—like doubling your money in a year or claiming to “disrupt” an industry without a solid plan—are often just blowing hot air. They’re trying to lure you in with dreams of quick riches, but there’s no substance behind their claims.
Historical Example: Harshad Mehta promised guaranteed high returns, and Saradha Group lured investors with 20-30% returns—both were unrealistic and led to massive losses.
Recent Example: In 2013-14, Mishka Finance and Trading Limited promised massive returns through its IPO, claiming to be a fast-growing financial services firm. The company had no real operations, and promoters siphoned off funds, leaving investors with nothing.
How to Spot It:
Check Historical Performance: Pull up the company’s financial reports on BSE or NSE websites (or use free tools like Screener.in). If a company claims it’ll double its revenue in a year, look at its past growth. For example, if its revenue grew by just 5% annually for the last three years, a 50% growth promise is a red flag.
Compare with Industry Standards: If a renewable energy company claims it can produce solar panels at half the cost of competitors like Adani Green, cross-check. Visit the company’s website, read industry reports, or compare with peers on Moneycontrol. Unrealistic claims scream trouble.
Why It Matters to You: With ₹10,000 a month, you’re likely investing small amounts—maybe ₹1,000 at a time. Losing even that can hurt. Don’t let big promises cloud your judgment—stick to the facts.
Red Flag 2: Constant Media Presence—Is It All Smoke and Mirrors?
What It Means: Some companies are always in the news—press releases, social media posts, promoter interviews on TV. While visibility isn’t bad, excessive media hype often hides deeper problems. They’re creating a buzz to inflate the stock price, not to build a solid business.
Historical Example: Harshad Mehta was a media darling, with constant coverage of his “genius” trades, while Saradha Group used its media ventures to create a façade of legitimacy—both distracted investors from the truth.
Recent Example: Satyam Computer Services, in the early 2000s, was frequently in the media with stories of global expansion. But in 2009, it was revealed they had faked revenues and profits for years, costing investors billions.
How to Spot It:
Monitor Media Patterns: Set up a Google News alert for the company’s name. If you see a flood of articles with vague headlines like “Signed a game-changing MoU,” but no concrete details, be wary.
Check Social Media: On platforms like X or LinkedIn, see if the company or its promoters are posting non-stop about minor updates—like attending a conference. Compare with peers like Tata Power, which focus on meaningful updates, not noise.
Why It Matters to You: You don’t have the luxury of losing money to hype. If a company is more focused on PR than profits, your ₹1,000 investment could vanish when the bubble bursts.
Red Flag 3: Magnify Small Developments—Don’t Get Fooled by the Hype!
What It Means: Some companies treat tiny events—like signing a non-binding MoU or hiring a new manager—as if they’ve won a billion-dollar contract. This exaggeration keeps investors excited and the stock price high, but it’s often a mirage.
Historical Example: Ketan Parekh magnified minor developments in his K-10 stocks—like a small client win—into major news, driving up stock prices artificially.
Recent Example: The Eco-Friendly Food and Esteem Bio Organic scam in the 2010s involved fake announcements of “major contracts” for organic food supply, which were hyped to inflate the stock price in a penny stock scam.
How to Spot It:
Verify Announcements: When a company announces a “big deal,” dig into the details. If they claim a ₹100 crore contract, look for specifics—counterparty name, timeline, financial impact. If it’s vague or non-binding (like an MoU), it’s a red flag.
Track Stock Price Reactions: Use free tools like Zerodha’s charting feature to see if the stock price jumps 20% on minor news. That’s a sign of artificial hype.
Why It Matters to You: Your ₹10,000 monthly income means you’re investing with a tight budget. Don’t let exaggerated news trick you into buying a stock that’s about to crash.
Red Flag 4: Frequent Fund-Raising Without Clarity—Where’s Your Money Going?
What It Means: Companies that keep raising money—through IPOs, rights issues, or loans—but can’t show how they’re using it are often mismanaging funds. Worse, they might be siphoning off your money for personal gain.
Historical Example: CRB Capital raised funds through fixed deposits but diverted them into Bhansali’s personal ventures. Saradha Group collected ₹2,500 crore but had no real investments to show for it.
Recent Example: Gensol Engineering faced a liquidity crisis in 2025 despite raising funds, with ICRA pointing to ties with loss-making BluSmart. Where did the money go?
How to Spot It:
Check Annual Reports: Download the company’s annual report from the BSE or NSE website. Look at the “Utilization of Funds” section. If they raised ₹500 crore but there’s no new factory, product, or revenue growth, something’s fishy.
Track Debt Levels: On Screener.in, check if the company’s debt is rising without a clear purpose. Rising debt with no visible growth is a warning sign.
Why It Matters to You: If a company can’t account for the money it raises, your ₹1,000 investment might be funding the promoter’s luxury car—not the business. Protect your savings by digging deeper.
Red Flag 5: Diversify into Unrelated Businesses—Chasing Trends, Not Profits
What It Means: Companies that suddenly jump into trendy sectors—like AI, EVs, or drones—without expertise are often chasing hype to boost their stock price. This lack of focus can lead to failure and signals a weak core business.
Historical Example: Ketan Parekh’s K-10 stocks chased the dot-com boom, despite many lacking real tech expertise, leading to their collapse when the bubble burst.
Recent Example: Ola Electric has been criticized for pivoting into EV manufacturing, ride-hailing, and AI-driven mobility without mastering any one area, diluting focus.
How to Spot It:
Know the Core Business: Visit the company’s website or read its annual report to understand its original business. If a textile company suddenly announces an AI division, does it have the expertise or team to pull it off?
Compare with Peers: If a cement company starts an EV division, compare its strategy with established players like Tata Motors. No competitive edge? It’s a red flag.
Why It Matters to You: You’re not a venture capitalist with crores to spare. Your ₹1,000 investment should go into a company with a clear, focused business—not one chasing the latest fad.
Red Flag 6: Flashy Buzzwords Without Substance—Don’t Be Dazzled!
What It Means: Terms like “AI-powered,” “next-gen,” or “disruptive” are thrown around to make a company sound cutting-edge. But if there’s no real innovation behind the jargon, it’s just a marketing trick to lure investors.
Historical Example: DSQ Software used buzzwords like “next-gen software solutions” to hype its stock, despite having little real innovation.
Recent Example: In the WhatsApp Leak Case of 2017, companies used buzzwords like “blockchain revolution” to inflate stock prices before insiders sold off shares, leaving small investors with losses.
How to Spot It:
Scrutinize Claims: If a company claims to be “AI-powered,” visit its website. Does it explain how AI is used, or is it just a buzzword? For example, a logistics company claiming “AI-driven delivery” should show tangible results, like reduced costs.
Look for Data: Genuine innovation comes with metrics—like “Our AI cut costs by 15%.” No data? Be cautious.
Why It Matters to You: You can’t afford to fall for empty promises. Your ₹10,000 monthly income means every rupee counts—invest in substance, not buzzwords.
Red Flag 7: Lavish Promoter Lifestyles—Are They Living Off Your Money?
What It Means: Promoters who live extravagantly—buying yachts, throwing lavish parties—while the company struggles financially are likely misusing funds. It shows they care more about their lifestyle than your investment.
Historical Example: CRB’s Chain Roop Bhansali threw lavish parties while his company couldn’t pay depositors, signaling fund misuse.
Recent Example: Vijay Mallya of Kingfisher Airlines lived a luxurious life—owning an F1 team—while the airline drowned in debt in the early 2010s, leaving investors with losses.
How to Spot It:
Check Promoter Behavior: Search for news or social media posts (on X or Instagram) about the promoter’s lifestyle. If they’re buying a ₹100 crore mansion while the company reports losses, it’s a red flag.
Compare with Financials: In the annual report, check the company’s profit and the promoter’s salary. If profits are ₹10 crore but the promoter’s salary is ₹5 crore, question their priorities.
Why It Matters to You: Your ₹1,000 investment shouldn’t fund a promoter’s luxury lifestyle. Make sure the company’s profits are reinvested in growth, not personal extravagance.
Red Flag 8: High Promoter Pledging—Are They Betting Your Future?
What It Means: Promoters pledge their shares to borrow money. If they pledge too much (e.g., 60% of their stake) and can’t repay the loan, lenders may sell the shares, crashing the stock price and wiping out your investment.
Historical Example: While not directly documented in the scams above, high pledging has been a recurring issue in Indian markets, often exacerbating collapses like those of Reliance Group companies.
Recent Example: In 2019, Reliance Group companies (led by Anil Ambani) faced a crisis when high promoter pledging led to a lender sell-off, causing stock prices to plummet.
How to Spot It:
Check Pledging Data: On BSE/NSE websites or Screener.in, look at the “Shareholding Pattern.” If 70% of the promoter’s 40% stake is pledged, that’s a high risk.
Track Stock Price Volatility: Watch for sudden price drops, which might indicate lenders selling pledged shares.
Why It Matters to You: A stock price crash due to pledging can wipe out your ₹1,000 investment overnight. Protect yourself by avoiding companies with high pledging.
Red Flag 9: Frequent Exits of Key Personnel—What Are They Hiding?
What It Means: High turnover of CFOs, auditors, or CXOs often signals internal problems—like disagreements over financial reporting or fraud. These exits are a warning that something’s wrong.
Historical Example: DSQ Software saw frequent auditor resignations due to disagreements over fake financials, a clear sign of trouble.
Recent Example: Yes Bank saw multiple auditor and CXO exits in 2018-19 before its 2020 collapse, driven by hidden bad loans and governance issues.
How to Spot It:
Track Management Changes: Check the “Announcements” section on BSE/NSE for resignations. Multiple exits in a year—like a CFO and auditor leaving within six months—are a red flag.
Read Resignation Letters: If the reason for leaving is vague (e.g., “personal commitments”), it might hide deeper issues.
Why It Matters to You: Your ₹10,000 monthly income means you can’t afford to invest in a company with internal chaos. Exits signal trouble—steer clear.
Red Flag 10: Excessive Related-Party Transactions—Are They Stealing Your Money?
What It Means: Related-party transactions (RPTs) are deals between the company and promoter-linked entities. Too many RPTs can be a way to siphon off funds, inflating expenses or hiding losses.
Historical Example: DSQ Software diverted funds through RPTs to Dalmia-linked entities, faking financials and leading to a ₹600 crore fraud.
Recent Example: In the Satyam scandal, promoter Raju used RPTs to transfer funds to family-owned entities, faking financials in a ₹7,800 crore fraud.
How to Spot It:
Check Annual Reports: Look at the “Related Party Transactions” section. If a company reports ₹200 crore in sales but ₹150 crore is to a promoter-linked firm at inflated prices, it’s a red flag.
Verify Approvals: SEBI rules require shareholder approval for large RPTs. If approvals are missing, investigate further.
Why It Matters to You: Your ₹1,000 investment shouldn’t be funneled to a promoter’s side business. RPTs can drain a company dry—protect your money by staying vigilant.
Gensol Engineering: A Modern Case Study in Red Flags
Let’s connect the dots back to Gensol Engineering, the company Kedia likely referenced. In 2025, Gensol exhibited several of these red flags:
Frequent Fund-Raising Without Clarity: Despite raising funds, Gensol faced a liquidity crisis, with ICRA pointing to ties with loss-making BluSmart. Where did the money go?
Governance Issues: ICRA flagged falsified debt records, aligning with Kedia’s warnings about governance red flags like auditor exits.
Media Hype: Gensol’s response to the downgrade—denying allegations and setting up a review committee—was widely covered, possibly to manage the narrative.
As a small investor, if you had invested ₹1,000 in Gensol based on its renewable energy hype, you’d likely have lost it all when the stock crashed. Kedia’s red flags could have saved you—if you knew how to spot them.
Your Action Plan: How to Protect Your ₹10,000 Monthly Savings
You don’t need to be a financial expert to avoid scams—you just need to be curious and cautious. Here’s a step-by-step guide to apply Kedia’s advice and safeguard your money:
Use Free Financial Tools:
Platforms like Screener.in, Moneycontrol, and Tijori Finance give you access to a company’s financials, shareholding pattern, and announcements. Check debt levels, promoter pledging, and RPTs.
Read Annual Reports Like a Detective:
Download the latest annual report from BSE or NSE. Focus on sections like “Management Discussion,” “RPTs,” “Utilization of Funds,” and “Auditor’s Report.” Look for discrepancies or red flags.
Stay Updated with News:
Set up Google Alerts for the company’s name to track media coverage. Check BSE/NSE for announcements about resignations, fund-raising, or MoUs.
Analyze Stock Price Movements:
Use Zerodha or TradingView to see if the stock price jumps on minor news. Hype-driven spikes often signal trouble.
Compare with Peers:
If a small-cap EV company claims to outdo Tata Motors, verify its production capacity and sales. Stick to companies with a competitive edge.
Join Investor Communities:
Forums like ValuePickr or X handles like
@VijayKedia1
can alert you to concerns raised by other investors. Learn from their insights.
Why Do Promoters Take Such Risks? The Psychology Behind the Scam
A user on X asked, “Why do promoters risk thousands of crores for a few hundred crores?” The answer lies in greed and overconfidence. Promoters often believe they can manipulate the system temporarily—raising funds or inflating stock prices—and fix things later. Personal financial pressures, like funding a lavish lifestyle or covering losses in other ventures (e.g., BluSmart in Gensol’s case), push them to take shortcuts. Behavioral biases, like overconfidence, make them underestimate the consequences, as seen in cases like Satyam and Yes Bank.
As a small investor, you can’t control what promoters do—but you can control where you invest your ₹1,000. Don’t let their greed become your loss.
Your Money, Your Future: Take Control Now!
Vijay Kedia’s 10 red flags are more than just a warning—they’re a survival guide for retail investors like you and me. From Harshad Mehta to Saradha, history shows how ignoring these red flags can devastate small investors. With a monthly income of ₹10,000, every rupee you invest is a step toward a better future for your family. Don’t let scams like Gensol Engineering, Satyam, or Yes Bank steal that future from you.
Take action today. Before you invest your next ₹1,000, use Kedia’s red flags to vet the company. Check its financials, monitor its media presence, and dig into its promoter behavior. Be curious, be cautious, and be smart. The stock market can be a path to wealth—but only if you protect yourself from the “Gensols” hiding in the cupboard. Your hard-earned money deserves nothing less. Invest wisely, and secure your dreams!