In recent years, fraud related to financial investments have become increasingly sophisticated, especially through the Internet and social networks. Given this scenario, the National Securities Market Commission (CNMV) has developed a decalogue with essential recommendations to protect investors and avoid falling into unauthorized entities, commonly known as Financial chiringuitos.
This set of practical tips is designed to help you identify alert signals, know your rights as an investor and know how to act in case of suspicion or fraud. Next, we present these 10 keys to invest safely and confidence.
Nature of the entities
Tip 1
Verify that the entity is authorized and that the company has not been warning by the CNMV or other supervisors. In case of doubt, see us.
Tip 2
Remember that “beach bargains” are dangerous And they try to deceive him. If you suspect, Ask. Adopt an active attitude. Ask questions about the characteristics of the service and the investment that are being proposed. Get written information.
Investor capture techniques
Tip 3
Distrust the following alarm signals and frequent techniques:
- Unexpected calls or emails.
- Investment urgency.
- Personal affinity
- Input bonuses.
- Pyramidal schemes in which they also ask that you also capture customers.
- Psychological pressure tending to take an immediate decision.
- Mention or use of the CNMV logo. Remember that the CNMV would never invite you to make an investment.
Tip 4
Eye to fraud through the Internet and social networks. Do not be fooled by the sophistication of some web pages. Stay alert to offers not requested through your social media profiles. Do not be fooled by the affinity of your social “followers.”
Commercialized products
Tip 5
Distrust high profitability without risk. Distrust complex products. Do not invest in what you do not understand.
Tip 6
Pay attention to commissions and expenses.
Tip 7
Make sure the products offered by the products that provide you with the price of the values they want to sell.
Inverter profile and education
Tip 8
We are all exposed to be the subject of fraud. Distrust if they do not request information: authorized financial intermediaries who offer a product must evaluate their convenience (experience and knowledge) and/or suitability (experience and knowledge, financial situation and investment objectives) through a profile or questionnaire.
If you can’t recover your money
Tip 9
If you fail to return your money, do not continue making contributions.
Denounce
Tip 10
Putting any suspicious incident of fraud and denounces what happened in the Police, Civil Guard or the corresponding court.