A topic that concerns all investors in the industry, especially for the last couple of weeks when scam reports on HYIP forums exceed payment proofs. This stagnation may be caused by various factors, beginning with the world economic crisis. But why do we keep trusting our money to HYIP owners? Why do high-yield investment programs attract so much people these days? First they can be a great way to experience success in investing and, and second, a great possibility to get wealth and financial independence that is very important to anyone. However, HYIP can also be quite risky but if its done properly it can be quite lucrative. In this article we will discuss the risk in high yield investment programs and how to avoid it without losing our money?