Is there really a high return on investing 3,900 yuan in State Grid?

False, don't believe in such unreliable things as high returns. You think you earn high interest, and people just want your principal. Look before you leap.

Ponzi scheme Ponzi scheme is a form of investment fraud, which uses unusually high returns to trick investors into joining. Investors' returns are not from real business, but from the funds invested by new investors.

The rate of return of Ponzi scheme must be very high to attract new investors. Once the number of new investors decreases or stops, Ponzi scheme will collapse. Ponzi scheme, named after Charles Ponzi, has been engaged in this kind of investment fraud since he immigrated to the United States from Italy in 1903. Up to now, there are still many HYIP in operation, and the survival time varies from several months to several years, depending on the operation level of the webmaster.

Distinguish between banks

On this issue, the difference between modern banks and Ponzi schemes is that the national government will guarantee the interests of depositors. The same point will make investors suffer.

trait

Although various Ponzi schemes are varied and ever-changing, they all have the same * * characteristics inherited from their ancestor Charles Ponzi (1878- 1949).

First, the anti-investment law has the characteristics of low risk and high return. As we all know, the iron law of investment is that risk is proportional to return, and Ponzi scheme is often counterproductive. Liars often attract investors who don't know the truth with higher returns, but never emphasize the risk factors of investment.

Second, the capital characteristics of robbing Peter to pay Paul. Because the promised return on investment cannot be realized, the return on investment of old users can only be realized by joining new users or other financing means. This puts high demands on the capital flow of Ponzi scheme. Therefore, scammers always try their best to expand the scope of users and broaden the scale of absorbing funds in order to get enough funds to make up for the space and extend the duration of the scam.

Third, investment know-how is unknowable and unrepeatable. Liars try their best to play up the mystery of investment, keep the investment know-how secret, and try their best to shape their image as "genius" or "expert". In fact, due to the lack of real investment and production support, scammers have no "way to make money" to scrutinize, so keeping the mystery of investment as much as possible and publicizing the non-replicability of investment is one of their effective tricks to avoid external doubts.

Fourth, the countercyclical characteristics of investment. The investment projects of Ponzi scheme never seem to be affected by the investment cycle. Whether it is industrial investment related to production or financial investment related to market conditions, the investment projects always seem to make a steady profit.

Fifth, the pyramid characteristics of investor structure. In order to pay the high return of the investors who join first, Ponzi scheme must be continuously developed, attracting more and more investors to participate through inducement, persuasion, family ties and connections, thus forming a pyramid-like investor structure. A few insiders at the top of the tower make profits by squeezing a large number of participants at the bottom and inside the tower.