Every penny of investors is hard-earned money, and it is always more important to guard against risks than to gain income. If risk management is not done well, no matter how much wealth is accumulated, it may take a lifetime to get from 1 10,000 to 1 10,000, but sometimes it takes only a moment to get from 1 10,000 to 1 10,000.
Common types: e-rental, finance, Zhongrong Minxin, Internet, Tang, etc.
Bottom line: high annualized income attracts you to invest money online, and the investment in products is completely unclear.
How to avoid the pit: don't covet high returns and make low-risk investments.
P2P Internet lending platform is to lend money to the platform side through the network, and the platform side will lend it to the party in need of funds to realize peer-to-peer financing, so it is called P2P. Through the network to achieve financing, the demand side of funds gets funds, and the fund provider gets interest. Isn't this the best of both worlds? But in fact, there are many opaque links, which are the links of evil human nature.
Since its birth, P2P has not been included in the existing regulatory system, and there are many chaos in the industry. Mainly, many scammer platforms use high income as bait, fictional project information, set up a fund pool, and borrow the new and return the old. Incidents ranging from radical operations to direct fraud abound. Once-hot institutions, such as e-Rent, Xinliyuan, Campus Loan, Moonlight Box, etc., have closed down after one or two years of existence.
The first investment trap is the self-protection of the platform. Self-financing means that the platform bids for its own financing, and self-insurance means that the platform provides investors with principal and interest protection. For example, Kuailu once used his own film and television company, his own channel company, his own guarantee company and his own P2P platform, and finally invested in his own ip man 3.
The second investment trap is to borrow the new and return the old. This kind of scam is a typical Ponzi scheme, which mainly repays high interest by borrowing the new and returning the old. Once new funds slow down or stop entering, the whole system will collapse. Most P2P platforms have Ponzi schemes, such as Finance, Zhongrong Minxin, Net and Tang.
The third investment trap is to recover the creditor's rights at a discount and harvest the investors. P2P platform is not only a thunder before investment, but also a thunder when the platform goes wrong. Many P2P platforms will provide investors with the option of withdrawing cash immediately in the redemption plan after the explosion, but if this option is selected, it is necessary to accept the creditor's rights held by investors for discount. Generally speaking, the good and reliable discount is about 30%, and the discount rate that harvesting investors can pay is generally 1-3 fold.
Common types: stock groups, inside information, and stock experts.
Bottom line: Be wary of online stock speculators, especially those who attract people to recommend stocks to you.
How to avoid the pit: when encountering recommended stocks or inside information, decisively pull the black and report it.
Most of the investors in our country are middle-aged and elderly people. Many of these people lack financial knowledge, but they have spare money in their hands. These swindlers in the internal stock market are aiming at these rich, simple-minded uncles and aunts who want to make money.
I don't know if you have ever met someone who added you to WeChat one day, or called you to say that a stock expert has inside information, invited you to join the group to share it, and then started to share it for a few days. Finally, I recommended some stocks for you to buy at a high level. In the end, they shipped at a high level and completed a perfect harvest.
The reality of this trap is to cooperate with the dealer to manipulate the stock price to harvest.
There are many ways to manipulate the stock price, but generally speaking, there are four main ways to operate.
The first is to simply raise the stock price through multi-account operation, attract retail investors to take over at a high level, and then ship.
The second is to collude with the actual controller of the listed company, raise the stock price through good news or hot topics such as "high delivery", and then make a profit by shipping. The first two investors should have a deep understanding. An elder brother surnamed Xu, who was fined10 billion before, is good at this kind of operation.
The third way is to use its own market influence, spread false news to recommend stocks to retail investors, raise the stock price and then ship at a high level. This method generally deceives investors by recommending stocks by experts in various packages and fraudulently uses similar accounts of celebrities and experts.
The fourth is to manipulate overseas stocks, especially Hong Kong stocks. In recent years, many bookmakers have also gone abroad, manipulating not only the share price of the A-share market, but also Shanghai stocks such as Hong Kong stocks.
The recommended stocks and insider information exchange groups we are talking about are mainly the third kind of stock price manipulation.
Common types: XX original shares will be listed on Nasdaq in the United States soon, so buy them quickly.
Bottom line: Cut leeks with the dream of making a fortune by investing in original stocks.
How to avoid the pit: ordinary investors should trade in the formal secondary market.
It is a cliche that people are not rich without fairness. As a high-yield and high-risk investment product, equity investment will always appear various myths of getting rich, but similarly, various equity investment traps are gradually emerging. Generally speaking, there are two kinds of equity investment traps:
The first investment trap is simple fraud. By inviting investors to become partners of the company or lying to investors that the company has listed or will soon sell its original shares, it advocates the dream of getting rich overnight to investors, but in fact it uses investment funds to raise funds illegally.
The initial equity investment trap is the so-called original stock scam. Now with the deepening of people's understanding of equity, this trap is gradually decreasing, but there are still many such scams active in third-and fourth-tier cities in China. The stocks before the company landed on the main board and the Growth Enterprise Market can be called original stocks. Compared with other investment methods and other investment products, original shares have always been a highly fraudulent investment method.
This kind of scam usually sells the equity of shell companies directly or indirectly. For example, Shanghai Yousuo Environmental Protection, which is listed in Shanghai Equity Custody Trading Center, defrauded investors by issuing "original shares" in a targeted way, and once sold equity financing, promising investors 48% annual income. Illegal financing exceeds 200 million yuan, involving thousands of investors.
Or transfer through the New Third Board Agreement, buy a company's stock in advance and then transfer it to investors at a high price.
The second investment trap is to buy high-priced equity. Generally, the companies that appear in this trap are all good companies, and the equity is also good. The only problem is that the equity price is very expensive, far exceeding the reasonable price, and it is just a means for the former holders to cash out. This kind of trap is often seen in the period before the listing of well-known unicorn companies. Various equity investment funds take turns to speculate on the equity of unicorns, and the price is very high. After listing, it will face the risk of breaking. Therefore, it is the best choice to transfer this part of the equity to investors before listing.
Common types: microtransactions, microdisk trading, crude oil futures gold trading, buying up and killing down.
Bottom line: by controlling the price of the operating platform, pulling the board in the early stage makes you crazy, and then harvesting.
How to avoid the pit: stay away from futures and foreign exchange trading platforms that manipulate prices
Exchange investment traps usually have certain physical objects and commodities, but they will illegally absorb funds by controlling the price of operating platforms, packaging some businesses into wealth management products and selling them to the public, and promise a higher fixed annualized rate of return.
In fact, in China, only eight exchanges, namely Shanghai Stock Exchange, Shenzhen Stock Exchange, National Small and Medium-sized Enterprise Share Transfer System, Dalian Futures Exchange, Zhengzhou Futures Exchange, Shanghai Futures Exchange, China Financial Futures Exchange and Shanghai Gold Exchange, were formally established with the approval of the the State Council and China Securities Regulatory Commissions, while others were previously established with the approval of local governments or the Ministry of Commerce. Now, some pheasant exchanges have sprung up like mushrooms after rain, claiming that they can get super-high returns in the short term, but in fact they are devouring investors' wealth.
Among the illegal fund-raising cases of the exchange, Kunming Pan Asia Nonferrous Metals Exchange is the largest and has the greatest influence. Through the metal spot investment trading platform, Kunming Pan Asia manipulates the price of the platform, keeping the price of Pan Asia higher than the spot market price by 25%-30%, rising by about 20% every year, creating the illusion of hot trading, and then packaging attractive high-yield products such as the so-called "Rijinbao". But in fact, the annual price increase of 20% is only to make the price of Pan Asia always higher than the spot market price, so there will never be real buyers and no actual incremental funds; Therefore, the consignor does not need to pay the deposit, and the annualized 13.5% financial income of investors is their own principal or the principal of new investors. When new funds slow down or stop entering, the whole system will collapse and investors will basically lose all their money. Pan-Asian model is to use the money of new investors to pay the daily commission fees and short-term returns to old investors, create the illusion of making money and then defraud more investment. 20 15, 12 The Pan-Asian redemption crisis broke out in Kunming, involving 220,000 people in 28 provinces, and the total amount of illegal fund-raising exceeded 43 billion yuan. Thousands of pan-Asian investors gathered in front of the CSRC to protest.
Common types: five-element coins, various pyramid schemes, to the moon.
Bottom line: MLM with digital currency as the gimmick.
How to avoid the pit: stay away from digital currency in the cottage air and promote the pyramid scheme of getting rich overnight.
After bitcoin soared tens of thousands of times in ten years, especially at the end of 20 17 and the beginning of 20 18, people were full of illusions about digital currency, but in fact, there were only a few digital currency with real application value based on blockchain technology, and most digital currency were Ponzi schemes with no practical application value.
The first investment trap is empty currency. Air Coin was issued in digital currency in the form of empty gloves and white wolves without the support of the actual landing project, which has no practical value. Only two things have landed, one is a white paper, and the other is an exchange listing. White paper is used to draw cakes, and the exchange is used to sell cakes.
Generally speaking, air currency has the following characteristics: First, the white paper emphasizes storytelling and ignores application, and the project and technology roadmap can't land at all. Second, the marketing ability is excellent, far exceeding its own technical ability, and even the team has no technicians at all. Third, the code is not open source, and it is impossible to judge where the project is progressing.
The second investment trap is pyramid selling coins. Digital currency's investment traps are endless. In addition to the air currency we mentioned above, there is also a kind of pyramid selling under the cloak of digital currency. This scam is essentially a pyramid scheme and has nothing to do with digital currency. The scammers just replaced the original products in pyramid schemes with the most popular digital currency, and some even named it "digital currency", but actually did not use blockchain technology at all. Generally, domestic pyramid schemes are mostly carried out in the name of digital currency.
I personally believe in the law of cause and effect. If you plant any business, you will get what you want. If you plant good causes, you will get good results; if you plant evil causes, you will get bad results.
All kinds of financial investment traps, organizers and publishers of scams, evil reasons, so even if the early scenery is good, most people still go in, and those who haven't, it is estimated that they can only hold money all day.
If you have been cheated on the road of investment, you can write or comment on me privately and teach you how to protect your rights and recover your money.