In every investment have same degree of risk factors involved, although, Banking investment is different kind of investment, they just make  a suggestion which investment, 100% risk, 75% risk etc.etc. then come the processing fees, charges, and the transparency issue is a bit unclear, simply because you would not now what happened to your investment during the day, they send only updates but you can not do anything if the said investment is fixed for certain period of time. Not like in Bitcoin investment 24/7 you are updated of the actual occurrence in the trading market.