We are concerned people are being encouraged to invest in high-risk schemes offered by unregulated firms without appreciating the risks involved. It is important to stress that some investments, including unlisted loan-note or mini-bond investments, are not suitable for everyday investors.Many of those who promote these high-risk investments don’t need to be regulated by us. Otherwise, you could be exposed to investment opportunities that aren’t appropriate and certain regulatory protections will not apply.Taking higher investment risks can be right for some people, depending on your circumstances. But you need to make sure you’re aware of the risks you’re taking. Instead, spread your investments across different products and areas so you’re less dependent on any one pick to perform well for you.