Core Viewpoint - The article emphasizes the importance of vigilance against common investment scams, particularly those promising high returns with little to no risk, and outlines various tactics used by fraudsters to deceive potential victims [2][3][9][15][18]. Group 1: Common Scam Tactics - Fraudsters often present themselves as experts, using professional jargon to gain trust [3][9]. - Promises of high returns, such as "monthly returns of 20%" or "guaranteed profits," are unrealistic and violate financial principles [3][9]. - Claims of "no risk" or "capital protection" are designed to lower the guard of potential investors, despite all investments carrying inherent risks [3][9]. - Some platforms encourage recruitment of new investors, offering referral bonuses, which can indicate a pyramid scheme [3][9]. Group 2: Loan Scams - Scammers advertise loans with "no collateral" and "low interest," appealing to those in urgent need of funds [15]. - Promises of quick disbursement, such as funds being available within minutes, exploit the urgency of potential victims [15]. - Requests for sensitive personal information, such as ID and bank details, are common, often leading to identity theft [15]. - Upfront fees disguised as "processing fees" or "guarantee deposits" are a red flag, as legitimate lenders do not require payment before loan approval [15]. Group 3: Network and Telecommunication Scams - Scammers impersonate law enforcement or judicial authorities to instill fear and urgency, claiming victims are involved in illegal activities [18]. - They create a sense of emergency, demanding immediate action to avoid account freezes or arrest [18]. - Requests for money transfers to "safe accounts" or for verification codes are tactics used to steal funds [18]. Group 4: Preventive Measures - Investors should be wary of high returns, remembering that high rewards come with high risks [6][10]. - Verifying the legitimacy of investment platforms through official regulatory channels is crucial [6][10]. - Genuine financial experts do not make unsolicited high-return promises and should be independently verified [6][10]. - Avoiding platforms that promote recruitment of new members is advisable, as this often indicates fraudulent schemes [6][10].