(1) What are the investment and financial management traps for the elderly?
Routine 1: Business I don't understand.
Some wealth management products sound "high", technical terms are one after another, and there are more than one investment company. The process is complicated and it is simply incomprehensible. In unknown so, old people can only listen to the so-called "expert lecturers" to interpret products, and then be led by the nose.
Here's a reminder, don't touch financial management methods that you don't understand.
Routine 2: The flow of funds is unknown
Our financial management is often most concerned with practical issues such as income and financial management period, and some so-called investment companies often only indicate these issues in the agreements signed with customers. As for where the money went, it was often taken away in publicity and contracts.
Remember, we must find out where our money has gone. If the other party doesn't explain clearly, it is very likely that the money will flow into his pocket.
Routine 3: Encourage by friends and family.
It is no problem to simply share financial management experience and good financial management products with friends and relatives, but if someone advises you to join the company and let you continue to develop offline, it is basically a liar.
Routine 4: Pay the money first, and then set up the project.
Raise funds in the name of raising funds first and then developing projects. As a result, the investment targets are all shell companies established by themselves, and they will naturally run away. So, don't believe in paying before looking for a project. After all, we are here to manage money, not to do business of unknown origin.
Routine 5: high-yield plus capital preservation and interest protection
Far higher than the yield of wealth management products on the market. For example, if you invest 500,000 yuan, you will always get 700,000 yuan back after one year. Just listen casually. You know, the trust that started with 6.5438 million yuan has an annualized rate of return of only 6%-8%. Some excellent fund managers can keep the annualized rate of return at around 10%, but they will never guarantee that you will make a profit. High-return and high-risk projects will not involve the elderly on the street.
There will be no pie in the sky. The more temptation, the more vigilant. Many old people are recruited into the game, at least those who lose money lose money. We must be vigilant and don't believe it.
(2) In the face of investment and financial management traps, the elderly can take the following preventive measures in their daily lives:
First, try to keep information symmetrical and communicate with young people when things happen.
Most elderly people are cheated. The main reason is that after retirement, the information can't keep up with the times and is gradually out of touch with society, thus giving criminals an opportunity. Old people should watch more news and communicate with young people. When you meet people and things in doubt, let young people help you as a consultant.
Two, to participate in some financial consumer protection education activities specifically for the elderly.
For example, some streets organize anti-fraud lectures for the elderly in the community, and post the latest tricks on the community bulletin board to remind the elderly in time. There are also some special sitcoms and real case stories on TV and media, so you might as well pay more attention to them.
Third, install the National Anti-Fraud Center APP.
Install the "National Anti-Fraud Center" APP, learn more anti-fraud knowledge at ordinary times, improve financial security awareness, protect personal property and prevent fraud.