Investment fraud occurs when someone attempts to dupe you into investing money. They may wish for you to invest in stocks, bonds, notes, commodities, currency, or even real estate. A scammer may deceive you or provide false information about a legitimate investment. Or they may invent a phony investment opportunity.
Investment scammers may pose as telemarketers or financial advisors. They appear to be intelligent, friendly, and charming. They might tell you that an investment opportunity is critical. They try to gain your trust in order for you to give them money as soon as possible and without asking too many questions.
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- Affinity Fraud: Scammers attempt to deceive members of a group formed by a shared characteristic such as age, ethnicity, or religion. Scammers pose as members of the group in order to gain the trust of the group’s leader and members. The scammers believe that if the group leader invests, others will follow suit.
- High Yield Investment Programs: Scammers promise high returns on investment if you invest with them. They claim that you will profit from your investment. Often, these investments are fictitious, or they are selling stocks with little or no value.
- Pyramid Schemes: Scammers will claim that a small investment can result in a large pay outβor profit. However, you must also find other investors. The “profit” you receive is simply money paid by other investors. The scheme falls apart when the scammer runs out of new investors or takes all the money and runs.
- Ponzi Schemes: A scammer, usually a fund manager, promises to invest your money and earn you large sums of money. However, the money you receive is actually money paid by other investors. When the scammers are unable to find new investors to give them money, the scheme falls apart.
- Pump and Dump: Scammers buy low-priced stocks and lie to potential buyers about their quality in order to raise their prices. You may believe that the stocks are a good investment and thus purchase them at a higher price. The scammer then sells the stock at a higher price, causing the stock price to fall and leaving you with worthless stocks.
- Recovery Room Schemes: Scammers claim they can help you recover money you’ve lost in other investment schemes, but they demand payment first. They do nothing after you pay them.
- Unsuitable Financial Products: A financial planner may attempt to sell you something that is profitable for them but is not a good investment for you. Annuities, for example, can take a long time to earn the money you were promised. If you want to withdraw your money, you may have to pay a significant fee. In general, some financial advisors may bill you for services or products that you did not request.