If you do get a lot of money somehow, read The Challenges of Wealth, by Amy Domini. Most people who get a reasonably large chunk of cash all at once blow it, in an average of seven years. A sizable fraction of old pro athletes are broke. So are a sizable fraction of lottery winners.
As a rule of thumb, any investment where they call you is no good. If it was any good, it wouldn't need paid sales reps.
The idea is that if it was any good there would be plenty of money thrown at them without having to approach random strangers cutting them in on the action just because they're such nice people.
Of course they want to increase their profits, but that goes for any outbound sales effort. Just the fact that they try to convince you to want it doesn't mean it is good either, most likely it means you don't have the whole story.
So if you do not initiate the contact stay away from investment deals, especially when they're telephone sales calls.
As a rule of thumb, any investment where they call you is no good. If it was any good, it wouldn't need paid sales reps.