In today's digital age, investment opportunities are increasingly diverse and easily accessible. From stocks and mutual funds to digital assets, everything can be done via mobile phone. However, this convenience also opens the door to various investment scams, often referred to as fake investments. Learn the signs to avoid becoming the next victim.
1. Promises of high and guaranteed returns
Be wary of anyone promising fixed returns above the market average, such as "20% monthly profit without risk." No investment can guarantee such a thing. Healthy investments always carry risks commensurate with the potential returns.
2. Not registered with the Financial Services Authority (OJK) or other official authorities
Legal investment companies must be registered and supervised by the OJK or a related agency. If they lack a permit, or if their permit does not align with their business activities, it's best to avoid them.
3. Unclear or overly complicated schemes
Many fraudulent investments use schemes that are difficult to understand, such as money games or Ponzi schemes. Typically, existing investors' profits are paid out of new investors' money. If you don't fully understand where the profits come from, that's a red flag.
4. Pressure to join immediately
Be wary if you're asked to transfer funds quickly under the pretext of "limited opportunities" or "today's only promotion." Fraudulent investors often exploit time pressure to prevent potential victims from having time to think carefully or do research.
5. Lack of transparency and difficulty in contacting
Another sign of fraudulent investments is a lack of transparency. There are no financial reports, the office address is unclear, and it's difficult to contact them after you've invested. Healthy investments are always transparent about performance, risks, and fund management mechanisms.
Before deciding to invest, always do your research, check the legality, and understand the risks. Don't be easily tempted by sweet promises, because in finance, the principle is simple: the greater the promised return, the greater the risk.
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