Investment schemes are structured plans designed to help individuals or groups invest their money with the goal of generating returns. These schemes can vary widely, including options like mutual funds, stocks, and bonds. They often come with different levels of risk and potential reward, allowing investors to choose based on their financial goals and risk tolerance. Some investment schemes may promise high returns with little risk, which can be a red flag for potential scams. It's essential for investors to conduct thorough research and understand the terms and conditions of any scheme before committing their funds. Always consider seeking advice from a financial advisor to make informed decisions.