02/06/2023
๐๐ข๐ฅ ๐ฃ๐จ๐๐๐๐ ๐๐ช๐๐ฅ๐๐ก๐๐ฆ๐ฆ!
๐๐๐๐ง๐จ ๐๐ ๐ฆ๐๐ฌ๐๐ฌ๐๐๐ข๐ง๐ ๐ซ๐๐ ๐๐ฅ๐๐ ๐ฉ ๐๐ง๐ ๐ข๐ฌ๐๐ง๐ ๐ข๐ง๐ฏ๐๐ฌ๐ญ๐ฆ๐๐ง๐ญ ๐จ๐๐๐๐ซ? ๐ค
Recently ang daming news about investment scams and sobrang dami pa ding mga nabi-biktima nito. So I am sharing some ways kung paano ba natin masasabing red flag ๐ฉ ang isang investment offer at para maiwasan mag-engage sa mga ganitong scheme na later on pwedeng magpasakit ng inyong ulo at ng inyong bulsa.
1. ๐๐ ๐๐ฉ'๐จ ๐ฉ๐ค๐ค ๐๐ค๐ค๐ ๐ฉ๐ค ๐๐ ๐ฉ๐ง๐ช๐, ๐๐ฉ'๐จ ๐ฃ๐ค๐ฉ ๐ฉ๐ง๐ช๐ โ
Usually ang sarap makarinig ng enticing offer and mapapatanong ka nalang if "legit ba to?". But hinay-hinay lang sa pag-engage sa mga high returns offer dahil karamihan ay SCAM ang mga ito.
Ang usual na APR or Annual Percentage Rate ng isang moderate investment gaya ng Mutual Funds, Pag-ibig MP2 and some UITFs ay between 6% to 10%. Take note that these institutions are managed by professional fund managers with years of professional experience in financial market.
Kaya if may mag-offer sayo ng returns kagaya ng 10% per month or 20% per month with every 6 months payout, you need to background check kung feasible ba yung offer. Always check kung ano yung nature ng business, professional background kung may enough expertise ba sya to handle your funds and most importantly kung kumpleto ba sya ng documents to prove yung legitimacy ng offer nya.
๐. ๐๐ฒ๐ซ๐๐ฆ๐ข๐๐ข๐ง๐ ๐๐๐ก๐๐ฆ๐
Marami ang gumagamit ng pyramiding scheme na nagdi-disguise as legit na business para makapang-scam. Remember na any investment or business offer na nagpo-focus sa pag-invite or pag-recruit ng members more than dun sa products and services na ino-offer nila is a sign na pyramiding ang napuntahan mo. ๐
๐. ๐๐ก๐๐๐ค ๐๐ฅ๐ฅ ๐ญ๐ก๐ ๐ฅ๐๐ ๐๐ฅ ๐ฉ๐๐ฉ๐๐ซ๐ฌ ๐๐ง๐ ๐ซ๐๐ ๐ข๐ฌ๐ญ๐ซ๐๐ญ๐ข๐จ๐ง๐ฌ ๐ง
One way to check if legit ba yung business or entity is to check if meron ba syang primary license from Securities and Exchange Commission (SEC). To check, just visit the SEC website at https://secexpress.ph/application-form and verify if rehistrado ba ang company or entity na nakikipag-deal sayo. Make sure to check if yung nature of business na nirehistro nya sa SEC ay pareho dun sa kung ano ang pagkaka-presenta nya sayo.
Note: May mga fees na need bayaran to request some documents sa SEC website gaya ng Articles of Incorporation, Financial Statament, etc.
๐. ๐๐ก๐๐๐ค ๐ญ๐ก๐ ๐๐๐๐จ๐ง๐๐๐ซ๐ฒ ๐๐ข๐๐๐ง๐ฌ๐ ๐ง
Kung ang isang entity of indibidwal ay nag-aalok sayo ng investment in a form of crowd funding, fund solicitations etc. Always verify if they have SECONDARY LICENSE to solicit funds from the public. To check, you can visit the CMPRS website: http://cmprs.sec.gov.ph/ to verify if lisensyado ba ang isang entity or indibidwal na mangalap ng pondo for investment or any other purposes.
Also, siguraduhin na ang lahat ng papasuking agreement ay may kontrata na naka-notaryo upang masigurado ang usapan between both parties involved.
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Iilan lamang ito sa mga paraan upang masiguradong ligtas ang pinapasok mong investment. Laging tandaan na mag-conduct lagi ng DUE DILIGENCE before pumasok sa ano mang investment and agreement. ;)
๐๐ช๐ด๐ค๐ญ๐ข๐ช๐ฎ๐ฆ๐ณ: ๐๐ฉ๐ฆ ๐ค๐ฐ๐ฎ๐ฑ๐ข๐ฏ๐ช๐ฆ๐ด ๐ช๐ฏ ๐ต๐ฉ๐ฆ ๐ด๐ค๐ณ๐ฆ๐ฆ๐ฏ๐ด๐ฉ๐ฐ๐ต ๐ช๐ด ๐ซ๐ถ๐ด๐ต ๐ถ๐ด๐ฆ๐ฅ ๐ง๐ฐ๐ณ ๐ณ๐ฆ๐ฑ๐ณ๐ฆ๐ด๐ฆ๐ฏ๐ต๐ข๐ต๐ช๐ฐ๐ฏ ๐ฐ๐ฏ๐ญ๐บ ๐ข๐ฏ๐ฅ ๐ฏ๐ฐ๐ต, ๐ช๐ฏ ๐ข๐ฏ๐บ ๐ธ๐ข๐บ, ๐ต๐ฐ ๐ช๐ฎ๐ฑ๐ญ๐บ ๐ฏ๐ฆ๐จ๐ข๐ต๐ช๐ท๐ฆ ๐ฎ๐ข๐ณ๐ฌ๐ฆ๐ต๐ช๐ฏ๐จ.
