I still remember the "LCF project" in my early years, which was a Ponzi scheme that had been going on for a long time. At that time, a friend was very excited to tell me about this project, saying that it could make a fortune, and sent me a bunch of articles with extremely large font size, colorful and bold.

At the sight of Rothschild's name, I have doubts. I have contacted people from Rothschild Company for work before. They started digital currency instead of investment consulting services. Take a closer look, all kinds of new terms are full of this so-called low-risk and high-return "project": blockchain, Internet of Things, digital currency ... < P > "Fake, Ponzi scheme!"

I didn't expect my friend to give up, but he sent me the registration documents of the project company, a bunch of articles with photos of official figures, and a bunch of screenshots of WeChat participants as evidence.

"Stop dreaming, Shang".

my friend actually replied to the six-digit stock code of "xxxxxx", saying that the company will be listed on the "New Fourth Board" soon, and gave a specific schedule!

"the new fourth board? What the hell is this? "

Later, I found this official website statement, but my friend still didn't come to my senses, saying that this website was framed by other competitors ...

Charles Ponzi

Maybe some people don't know what a Ponzi scheme is, so let me briefly explain it here. The so-called Ponzi scheme, that is, the promoters recruit investors with shell projects and promise high returns, and then let investors continue to recruit investors at the next level, and take part of the new funds from the investors at the next level as the source of income for the investors at the higher level. It is called Ponzi scheme because its ancestor is Charles Ponzi.

The principle is simple: once the "project" can pay the "income" as scheduled, investors will have greater confidence in the authenticity of the "project" and calling friends will join the ranks of "making money". When the investors' funds began to fail to repay the profits of the previous investors, the "project" collapse was just around the corner.

In this way, rational investors should enter in the early stage of Ponzi scheme and exit before it collapses, so as to make high profits. But, do you know where is the beginning and where is the end? Our great People's Daily also said that 4 points is the starting point of a bull market!

Why do so many people believe such an obvious scam?

1. Greed for high profits ... dozens or even hundreds of people who are restless and insatiable around the gambling table are bent on winning faster and more ...

-The Gambler by Dostoevsky

As one of the "eight sins", "greed" is a deep-rooted weakness of human nature; And "poverty" is almost an unforgivable sin in today's society. Therefore, "getting rich" seems to have become the dream of many people. The Ponzi scheme, which promises low risk and high return, precisely hit this pain point.

2. New words bless people to always have awe of new things and give too much "faith". This can be confirmed in almost every aspect of life, especially in investment. For example, 216 is called the first year of VR (Virtual Reality) industry. At that time, stocks of related concepts (such as Storm Group) rose fiercely. Now, why not go back and have a look?

K-line diagram of Storm Group (Week K)

Ponzi scheme makes good use of people's "ignorant belief" and throws out many new terms to fool the audience, including but not limited to: internet plus, digital currency, Internet of Things, virtual reality, augmented reality, ecological circle, new model, * * * enjoying the economy ... When you see that low-risk and high-yield projects contain terms that you don't quite understand.

3. Brainwashed marketing

In the past, the operators of Ponzi scheme would rent a venue, with a straight suit and a microphone, and talk about the business model of "being tall", explain various new terms and talk about their vision for a better future. I'll stun you and fill you with a jar of chicken soup.

It's not what it used to be. Now WeChat group marketing is the standard of Ponzi scheme. Compared with the real venue, the cost is much lower and it is beautiful.

4. Prove that Lu Xun said: If you don't seize today's opportunity, you won't have tomorrow.

-Guan Pule is also the evidence of LCF project:

In a word, all kinds of influential people are "on the platform".

So, how do we identify Ponzi schemes? Recognize the following three characteristics:

1. Low risk and high return

Ladies and gentlemen, if the monthly interest rate can reach 3%, it will be 36% annualized, and then it will be legal usury. At that time, the Ponzi scheme 3M Wealth Management shouted out 3% monthly interest. If I invested 1,, it would be 126,462,2 after 36 months. Why don't you go to heaven !

2. Brainwashing without brains

Use all kinds of difficult terms and complicated patterns to confuse you, and then inspire you with the dream of "financial freedom". Then, you will be fearless and get a credit card!

3. The entry of lower-level investors who need to develop offline is the key to ensure the smooth operation of the "project", so a standard Ponzi scheme definitely needs investors to further develop offline. A general routine is: the more offline development, the higher your return. In fact, this model will also be used in legitimate business, but the "project" of Ponzi scheme has no substantive products or services.

Although it is not difficult for me to identify Ponzi schemes, I still habitually keep a few of their operators on my WeChat. Let's enjoy how they write a circle of friends:

Finally, love life and stay away from Ponzi.