Be aware of banks - who have little real financial expertise ( or their salesmen would be working for the genuine investment advisors) -but particularly HSBC Jersey who specialise in getting referrals from other HSBC banks and give them "wealth management" advice

A cold call leads to a high pressure promotion usually for one product with a high commission rate. They put all your money with one institution, promise a good rate of return but don't deliver. Then block all contact from you

They know most people will then give up unable to travel to Jersey to push the claim in the courts. But it can be done. But don't accept their first compensation offer. Go for the full amount of what their "advice" has cost you. Their methods have been banned in the UK