We live in a world of unprecedented consumer guarantees. When you buy a t-shirt online, you expect to be able to return the shirt if it doesn’t suit you.

If your pineapple from Aldi turns out to be rotten, you can get your money back and get a new pineapple for free. 

We’re used to guarantees that protect us from all kinds of minor financial setbacks. Unfortunately, guarantees don't work the same way when it comes to investing.

If you expect a guaranteed return on your investment, your portfolio could end up underperforming (or even worse, you fall victim to an investment scam). Here’s what you need to know about guarantees when it comes to your investments.