I'm not really sure where to go with this and would like some guidance as I don't understand them very well either

15-17) A colleague of yours knows that you have taken BUS-123, Introduction to Investments. He asks you for your opinion about an advertisement he saw in the San Diego Union-Tribune. He is very frustrated with the near-zero rates currently offered by banks, credit unions, and money market mutual funds. The advertisement offers him a 6% "guaranteed principal and guaranteed growth rate with checkbook access. It seems to be from an insurance company but somewhere there is a mention of an FDIC Account. He is very worried about losing money and wants his principal to be guaranteed but his bank is only offering him 0.6% on a 2-year CD. He needs the money in two years. What advice can you give him? Please be specific about the advantages and disadvantages of the investment and the potential risks involved. What questions would you suggest he ask the company if he decides to contact them? What questions do you have about the advertisement? (3 points) GUARANTEED GROWTH RATE STOP NEGATIVE BANK RETURNS STOP STOCKMARRETILOSSES I'd start by telling my coworker that I'm in no way an expert in investment and he really need to stop coming to me for advice. Then I'd tell him that there's a reason all these banks have similar rates so he should automatically be suspicious when one is advertised at a much higher rate. 6.0% Stop 65 Ponal Savings IRAS - CD's 401K'S Chechebolig SS 619-2782444 or 780-452-5557 EXALT INSURANCE SERVICES howing ang bang & BBB Sensor over 10 your CA Lic LOLAANI Available EQ5696