Chinanews client, Beijing, October 13 (Reporter Xie Yiguan) Recently, cases of illegal fund-raising or transferring properties of the elderly based on the concept of “house for the elderly” have occurred in Beijing, Guangdong, Henan and other places, and the victims suffered heavy losses.

On the 13th, the China Consumers Association issued a consumer reminder to remind the elderly to be careful about investing in financial traps.

　　According to the China Consumers Association, with the development of society, the elderly in our country generally have some savings.

Some lawbreakers take advantage of the wealth management knowledge and insufficient information held by the elderly, under the banner of various projects, and use "high returns" as the temptation to lay an endless stream of fraudulent "routines."

Many elderly people can't help but get caught in the temptation, causing serious property losses.

Data map: A community in Haikou.

(Image and text irrelevant) Photo by Ling Nan

　　According to the China Consumers Association, the basic routine of the "house for the elderly" financial scam is to fool the elderly to mortgage the house, and then invest the loaned money in a high-interest "financial management project" that claims to be 10%-15% per month. , The elderly handed over the real estate disposal rights to the wealth management company.

Initially, the elderly received corresponding returns every month, but it didn't take long before not only the income and principal were not returned, but even their own house was forced to transfer, and the elderly "both money and house were empty".

　　According to incomplete statistics from the media, more than 3,000 homeowners have fallen into the trap of financial management in Beijing alone, and most of them are elderly.

　　In this regard, the China Consumers Association recommends that elderly consumers: First, take the initiative to learn investment and financial management knowledge and make it clear that investment and financial management is different from bank savings deposits, and various financial products have certain risks.

And actively communicate with children, and pay attention to listening to their opinions.

　　Second, go to banks, insurance companies and other formal financial institutions to purchase wealth management products.

Carefully read the wealth management product manuals or wealth management contracts to understand the types of wealth management products, risk levels, capital preservation, expected rate of return, investment direction or linked targets, liquidity arrangements and other details.

　　Third, we must conduct risk tolerance assessments in accordance with the requirements, select financial products that are suitable for you based on the assessment results, pay attention to moderate investment, and diversify risks. Do not "put all your belongings" nor "put all your eggs in one basket."

　　Fourth, we must be alert to high-interest wealth management projects and stay away from illegal fund-raising.

Don’t believe in any “low threshold, high return” propaganda, don’t buy wealth management products through wealth management groups, travel, lectures, phone calls, or door-to-door sales, don’t buy funds with unknown destinations, unclear investment business, pay money first, and then look for projects Wealth management products to prevent loss of money.

　　In addition, the China Consumers Association also reminded consumption in other areas: choose formal channels for purchasing medicines, look for blue hats for health foods; beware of low-cost tourist traps; stay away from illegal conference marketing and prevent various telecom frauds; do your homework before consumption. Rational rights protection in case of disputes.

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