Warren Buffett famously said, "The first principle of investment is never to lose money, and the second principle is never to forget the first rule."
Every penny of an investor's money is hard-earned money, and preventing risk is always more important than making gains. If you do not do a good job of risk management, the accumulation of more wealth may come to naught, from 10,000 to 100 million may need a lifetime , but from 100 million to 10,000 sometimes only need a moment .
Common types: e Rent-a-bao, Shanlin Finance, Zhongrong Minxin, Qianbao.com, Tang Xiaozheng
In a word: playing the high annualized returns, in the network to attract you to invest money, invested in the product is completely unclear
How to avoid the pit: do not be greedy for high return
P2P Internet lending platform, is through the network, the money lent to the platform side, the platform side and then lent to the party in need of funds to realize the point (poin) to the point of capital financing, so known as the P2P, through the network of funds to realize the financing of the funds, the demand side of the money to obtain funds, the supply side of the funds to obtain interest, this Is not the best of both worlds? But in reality, there are a lot of opaque links in the middle, that is, the human nature of the evil link.
P2P has been around since its inception, and because it has not been included in the existing regulatory system, the industry is in a mess. The main thing is that many fraudulent platforms to high yield as bait, fictitious project information, the establishment of capital pools, borrowing new and old. From the radical operation of the mine to the direct fraud runaway events abound, e Rent-a-Baby, Xinliyuan, campus loans, moonlight treasure box and other once-hyped organizations survive for a year or two to run away and shut down.
The first investment trap is the platform self-financing self-insurance. Self-financing is the platform to issue the label for their own financing, self-insurance is the platform for investors to provide principal and interest protection. For example, the fast deer system has used their own film and television companies, go their own channel company, rely on their own guarantee company, use their own P2P platform, and ultimately invested in their own "Ip Man 3".
The second investment trap is to borrow new and return old. This scam is a typical Ponzi scheme, mainly by borrowing new to pay back the old, repaying the high interest, once the new money slows down or stops coming in, the whole system will collapse. Most of the P2P problem platforms have the shadow of a Ponzi scheme such as Shanlin Financial, Zhongrong Minxin, Qianbao.com, Tang Xiaosheng, etc.
The third investment trap is the discounted recovery of debts, harvesting investors. P2P platforms are not just all mines before investing, but even platforms with problems are all mines. Many P2P platforms will provide investors with the option of instant exit in the redemption plan after the mine, only if you choose this option, you have to accept a discount on the claims held by investors. Generally speaking, thick reliable some discount in about 70% off, the hole is too big can only be completed by harvesting investors to redeem the discount ratio is generally in the 1-3 fold.
Common types: stock market groups, insider information, stock market masters
A word of advice: Be wary of the online stock market masters, especially if they are pulling the group and recommending stocks for you
How to avoid pitfalls: Encountering the recommendation of the stock, the insider information.
Most of our country's stockholders are middle-aged and older people, and this part of the population, many of which lack financial knowledge, but the hands of the free money, and these internal speculation group of fraudsters, is to target this kind of money, simple minded, and want to earn money moncler outlet online.
I don't know if you have ever encountered, one day someone to add your WeChat, or hit you on the phone, said so-and-so speculation masters have insider information, inviting you into the group to listen to the share, and then start a few days of sharing, and finally recommend a few stocks, so that you can buy at a high level, and then finally they were high enough to ship, completing the perfect wave of harvest.
The reality of this type of trap is that it works with the dealer to manipulate the stock price to harvest.
There are many different ways to manipulate stock prices, but overall, there are four main ways to operate.
The first is simply to pull up the price through multiple accounts and attract retailers to take over and then ship out.
The second is to collude with the listed company's real controller through the "high transfer" and other good news or hot topics to pull up the stock price and then shipment of profits.
The third is the use of their own market influence, spreading false news to the retailer recommended shares, pulling up the price of the shares and then the high level of shipment of the way.
The fourth is the manipulation of foreign stocks, especially Hong Kong stocks. In recent years, many bookmakers have also stepped out of the country, not only limited to the A-share market manipulation of stock prices, Hong Kong stocks and other sea stock market stock manipulation cases are also more and more.
We are talking about recommending stocks, insider information exchange groups, mainly the third type of manipulation of stock prices.
Common type: XX original stock is about to be listed on the NASDAQ in the U.S., hurry up and buy
A sentence: invest in the original stock listed in the dream of wealth creation to cut the leek
How to avoid pitfalls: the ordinary investor please in the formal
People without equity are not rich" is a cliché. As a high-yield, high-risk investment, there will always be a variety of myths of wealth, but the same, a variety of equity investment traps began to gradually appear. In general, there are two main types of equity investment traps:
The first type of investment trap is a simple fraud. By inviting investors to become partners in the company or to investors falsely claiming that the enterprise has been or will soon be listed, the sale of original shares of the way, to investors advocating the dream of getting rich overnight, in fact, the use of investment funds to illegally collect money.
The first equity investment traps were the so-called original share scams, which are now being gradually reduced as people's knowledge of equity grows deeper and deeper, but there are still a lot of these scams active in China's third and fourth tier cities. Shares before a company lands on the main board and GEM can be called original shares. More than any other investment method, primitive shares have always been a scam-prone investment method compared to other investments.
This scam generally sells equity in shell companies directly or indirectly. For example, in the Shanghai Equity Trust and Exchange Center listed in the Shanghai YouSuo environmental protection to direct the issuance of "original shares" as a means of fraudulent investors, but also once the sale of equity wealth management, to investors committed to 48% of the annual return. Illegal financing of more than 200 million yuan, involving thousands of investors.
Or through the new three board agreement transfer, in advance of the purchase of a company's shares and then transferred to investors at a high price.
The second investment trap is to take over high-priced equity. Generally this trap appears in the company is a good company, the equity is also a good equity, the only problem is that the equity price is very expensive, far beyond the reasonable price, just the previous holder of a means of cash. This trap is often seen in the well-known unicorn company listed before the period of time, all kinds of equity investment fund rounds of speculation, the unicorn equity speculation is very high, in the listing and will face the risk of bankruptcy, so before the listing of the sudden transfer of this part of the equity to investors is the best choice.
Common types: microtransactions, microplate trading, crude oil futures gold trading disk, buy up and down
In a nutshell: through the control of the operation of the platform price, the pre-launching of the disk to make you crazy, and then harvesting
How to Avoid the pit: stay away from vigilant price manipulation of futures, foreign exchange trading platform
Exchange investment traps usually have a certain amount of physical goods and commodities, but will be through the control of the operating platform price , will be packaged as a financial product of certain business to the social public to sell to illegally absorb funds, and the promise of a higher fixed The company's annualized rate of return.
In fact, in China, only Shanghai Stock Exchange, Shenzhen Stock Exchange, National Small and Medium Enterprises Stock Transfer System, Dalian Futures Exchange, Zhengzhou Futures Exchange, Shanghai Futures Exchange, China Financial Futures Exchange, Shanghai Gold Exchange, these eight exchanges are approved by the State Council and the Securities and Exchange Commission for the establishment of a formal exchange, the other are local governments or the Securities and Exchange Commission. The other exchanges are those previously approved by local governments or the Ministry of Commerce. But now, some of the wild chicken exchange is like a spring come out have emerged, claiming to be able to get a short-term super high return, in fact, devouring the wealth of investors.
In the exchange of illegal fund-raising cases, the scale and impact of the case is the largest Kunming Pan Asia Nonferrous Metals Exchange. Kunming pan-Asian through the metal spot investment and trade platform, self-buying and selling, manipulation of the platform price, to maintain the pan-Asian price than the spot market price of 25% -30%, up about 20% a year, creating the illusion of hot trading, and then use this to package the so-called "day gold treasure" and other attractive high-yield products. But in fact, the annual price increase of 20% just to let the pan-Asian price is always higher than the spot market price, and therefore there will never be a real buyer, and did not bring the actual incremental funds; and the delivery of the business does not need to make up for the margin, the investor's annualized 13.5% of the day Jinbao financial gains, are their own principal or the principal of the new investor. When the new funds slow down or stop entering, the whole system will collapse, investors basically blood money. The Pan Asian model is to use the money of new investors to pay the old investors entrusted daily gold fee and short-term returns, creating the illusion of making money and then cheating more investment.In December 2015, the Kunming Pan Asian payment crisis broke out, involving 220,000 people in 28 provinces, illegal fund-raising amounted to a total of more than 43 billion yuan, thousands of Pan Asian investors gathered in the door of the Securities and Exchange Commission rallied in protest.
Common types: five lines of coins, all kinds of pyramid scheme coins, to the moon
In a word: digital currency as a gimmick pyramid scheme money plate
How to avoid the pit: away from cottage air digital currency, away from the MLM coins that promote overnight wealth
After bitcoin soared tens of thousands of times in ten years, especially when bitcoin was close to $20,000 at the end of 2017 and the beginning of 2018, people are full of fantasies about digital currencies, but in fact, there are only a few digital currencies with real value of application and based on the blockchain technology, and most of them are Ponzi schemes with no real The majority of these currencies are Ponzi schemes with no real application value.
The first investment trap is air coins.
The first investment trap is the air coin. The air coin is the digital currency that is not supported by the actual project, and is issued by the way of empty gloves, and does not have any actual value. Its only landing only two items, one is the white paper, one is the exchange listing and trading. The white paper is to draw the cake, on the exchange is to sell the cake.
General air coins have the following characteristics: First, the white paper focuses on storytelling over application, the project, the technology roadmap simply can not land. Secondly, the marketing ability is excellent, far more than their own technical ability, and even the team has no technical staff at all. Third, the code is not open source, so people have no way to judge the progress of the project in the end to which point.
The second investment trap is pyramid schemes. Digital currency investment traps are endless. In addition to the air coins we mentioned above, there is a pyramid scheme in the guise of digital currency. This kind of scam is still essentially a pyramid scheme, and the digital currency has nothing to do with it, the fraudsters just replace the original pyramid scheme goods with the hottest digital currencies, and some of them are even just called "digital currencies", in fact, they don't even use the blockchain technology at all.
I personally believe in the law of karma , what is the cause, what will be the result, the good cause, get good results, the bad cause, get bad results.
Various types of financial investment traps, scams, organizers, issuers, planted the evil cause, so even if it is the early stage of how beautiful, most people are still in, not yet in those who are estimated to take the money, can only be fearful of the end of the day.
If you have been cheated on the road to investment, you can comment or private letter to me, teach you how to rights recovery.