请教一下，这种储蓄计划靠谱吗
前两天在地铁站被拦住做了个survey，然后那个人给我寄来这个，看起来似乎不错啊，可是我也没做过research，投资什么的也不是很懂，这里牛人多，来问问看，这种计划靠谱吗？有什么陷阱？多谢啦
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I am xxxx, we met some time ago and you did a survey on savings for me. I was sharing with you about a high return saving plan. Here are some more info on it:
In gist, you set aside $200 per month into this program, and you can get $1000 yearly from the 2nd year onwards.
While it is a long term plan, you can be sure that such strategies can help you be in tandem with inflation which is 2-3% on average yearly, and help meet your long term goals, like retirement.
The $1000 yearlys, if you do not need it, you can leave it back with us for even more returns. For these $1000, the interest is around 2.75%, compounded together, it would be about $10,000 more.
BTW, the numbers mentioned are linearly related. That means, if you save nominally $2000/mth, that would be a yearly return of $10,000.