金价大涨，千万别被“高额返利”忽悠！

Core Viewpoint - The rising gold prices have led to an increase in gold investment schemes, particularly targeting middle-aged and elderly consumers, but these schemes are often fraudulent and resemble Ponzi schemes [2][3][6] Group 1: Investment Schemes - Many gold stores are introducing services like "gold custody" and "value repurchase" to attract consumers looking for asset preservation and appreciation [2] - These schemes often involve selling gold at inflated prices, promising high returns and buyback guarantees, creating a false sense of security for investors [4][6] Group 2: Consumer Warnings - The provincial consumer association has issued warnings about these investment schemes, highlighting their potential to be illegal fundraising or Ponzi schemes [3][6] - Complaints have surged, with a 30% increase in inquiries and rising issues related to unfulfilled buyback promises and high fees that diminish returns [5] Group 3: Fraudulent Practices - The business model of these schemes is unsustainable, relying on new investors' funds to pay returns to earlier investors, which can lead to a collapse when new investments dry up [6] - Many businesses lack sufficient gold reserves, and claims of "professional storage" are often misleading, with some using substandard gold to fulfill obligations [6] Group 4: Consumer Protection Measures - The consumer association recommends verifying market prices, avoiding custody services, and ensuring transactions are conducted through reputable channels [7] - It emphasizes the importance of checking the legitimacy of businesses and being cautious of high-return promises that contradict market principles [7][8]