How not to be left without a penny after the failed investment

Known tale about a sculptor who cuts off a piece of marble from all unnecessary. Witty, but hardly practical. Here, similar advice may be helpful. To lose money, you need to step into one of the pools (error classes) or just a few. No puddles - no losses. Just watch what you're doing, how far to the nearest puddle. If it is not a heap, the capital will be at least stored as the maximum increase. By itself, if you have not tried, he did not run away.

The first way to lose money - not to keep the asset class. Money or goods. Here everything is clear, more interesting.

The second way - instead of assets to buy a fake web certificate that you have them. "Feykovye certificate" be replaced by "the obligation to deliver the asset or the amount that is likely not to be done."

How it all started? Investing on the first step - you transfer the money somewhere to stretch their account or in cash. The question that you change money? In the worst case, you transfer the money to offshore certain companies to see in your account on the website that you have, for example, CFD on gold stocks or Coca-Cola. If you want to exchange the item back on the money, you may not succeed. Because you bought the gold record you bought online. And you have a great generosity, to exchange some money at the post. Not the fact that it will show.

"Stop - say observant reader. - But the money changing an entry in either case. When I put them on deposit in the bank, it also turns out that investing in any file? "That's right, but that being said, there are nuances.

Any asset - a record in the file, no physical paper of shares not. Everything boils down to in order to distinguish right from wrong entries.

Keywords: depository, stock exchange, normal jurisdiction.

Recording that you belong to something, as an option, she should belong to a third party. For example, you buy shares of the mutual fund. Money for the control you will receive a management company. But you do not put her money for a share. Shares are in the depository of the Criminal Code can not take out money. And the Depositary may. He can only get in my two cents for the safety of all the entries. It is precisely the third party, which excludes the possibility of theft of the entire amount.

Alternatively, a record of what you have done the debtor, but under strict control of a third party unrelated to the interests of the latter.

In the sense that it will not cover theft, and will be for you. Example: The national banking system is under the control of the Central Bank. Yes, you bought an electronic record but entered into a relationship not only with the bank, but also with the Central Bank. And it is precisely to throw you will not, at least not by the loss of electronic records or failure to exchange it for money.

Another thing, when there is only you and he do not even know who he is. Any site any company registered somewhere. Theoretically, there may also be a regulator (a supervising third party), but in practice you do not help. In the worst case, the business address may not be any company. In the worst - there will be no legal address.

It is not necessary to enter into a business relationship with an anonymous site.

"With an anonymous" means that you do not know the real name of any owners or employees. In technical support there might be written "consultant Marina This something", and it can even be a clock. But to argue that the name is not a consultant Marina?

At one point, the anonymous decide that already collected enough money. Will only remove the site with all the personal office - and all profit. None of the victims do not find the one he does not even know. Well, one out of ten cases the victim knows the owner's name and write it on the application. In one out of ten cases, when this statement is, someone will be arrested. But even in this scenario of 1%, no refund.

That's cynical rule finrynkov.

If the counterparty is advantageous to throw you and he can get away with, sooner or later he would do it.

In this case, it is impossible without counterparties. No one will sell you securities directly, only through a broker or fund. To live in such a world, sometimes nasty, but in general - can be. And that's why.

Not all profitable to throw you and not all that easy to throw you.

Look no people, cause they trust or not. For those who can not be trusted, the main professional skill - be trustworthy. They are specifically taught how to please people, and that with them to do next. And you have not been taught what to do with them. Do not believe in human integrity in the financial field. Trust in institutions that lead to it. If they are.

Any investment, we recall, begins with a bold, decisive action: you have transferred the money to someone, and he gave a piece of paper (an email account).

The question is, what is this piece of paper? After all, your interests are not the same - he will be pleased to any reason not to pay. if he finds such grounds and profitable to him to throw you the price of the main activity of clotting? Yes, even if you have to sacrifice site. This explains why you can trust the big banks and brokers - is too high the price, and not because there is a particularly emotional owners. The answer to the question of the pyramid of the grounds - "spit on the base," the question of the risk for core business - "it is our main activity."

Everyone knows about the pyramids, will not be about them. But we said that any financial institution that takes someone's money, it is a potential pyramid. Question how.

It depends on how very firm goes under risk. Come all, but the bank and MFI are different. MFI and credit union depositors money speculating, taking a 30% perezanimaya under 300%, but with a very high percentage of return. While it is acceptable percentage, all everything is paid. But, let's say, there comes a general crisis and end the borrower to pay nothing. Or the government decides to restrict the moneylenders. Or something like that. Then the reseller of your money is likely to go away on a holiday, taking cash balances. As soon as the main activity falters, that's when he decided that was the pyramid. Although this was not. And it is not planned. He wanted to be honest. But he was framed and he now substitutes you. Because his life more than you do, and for what he will do, we rarely put.

More dangerous "investment company". There are rare cases when it makes sense to invest in the fund, but they are rare. Of course, it is always important that it is for the fund, but think that it is all about - "Foundation"? "I have a lot of money in the assets, liabilities and the obligation to return them." And usually want something to do with liability, that it was not. This is the essence of any business. The question is not whether self-interest morality win (think greed win, so is considered safe), and whether we can do something with the bottoming technically?

The more a company freedom of action, so you worse.

Mutual Fund and ETF - This regulation, which excludes assigning the entire amount at once, although a certain percentage, in addition to the agreed commission can sweep into the pocket certain techniques of "control". It will not even be immediately noticeable. "Investment Company" with a remote registration easier arranged Why peck at grain at, if you put the money in the bag can immediately? And if you have entrusted their passwords through private trader... Technically, you let the goat in the garden, and the preservation of the garden is now a question of its morality. If he says that "only withdraw money you can from your account", it means that the goat is still young, inexperienced. If desired, possessing only password from the terminal, you can transfer all the money to himself in a single trading session. All goats and experienced gardeners know it, but talking about traders is yet to come.

To summarize, it is important when choosing a contractor, what to see?

1. nature of the business. For example, giving a 100% loan can not Oskam From the English. a scam - "scam", "fraud" Even if he is a saint.
2. Jurisdiction. Our police are unlikely to go to the Virgin Islands. They are not very fond of fish financial crooks, but you never know. Professional fraudsters choose 100% guarantee.
3. Scale. Russia's leading broker can also theoretically everything, but he is for more than 10 years will gather in the usual way, than once fled with the cash register. In addition, it will cease to call for the conference and show on TV. He can be trusted. If you do not know, the brokerage business' risk profile is much more cautious banking. The banker makes a loan is sometimes the devil knows whom, the broker - only bail of those assets, which had the same and lie. To fly on this, it is necessary to work hard.

In short, any middleman between you and the asset - evil. Choose the smallest - only leading banks and leading brokers. There are no "international investment companies." In your personal account on the site it will be written, that your money is invested in shares of Apple, as in real life - no one knows. The company has more the harder it is unprofitable and run away with the cash register. Limit the ten largest banks and brokers.

Alexander force - the economist, philosopher, journalist and former teacher. Five years ago, he left the university activities and has dedicated his time exchanges, investment and trading.

In the book "Money no nonsense" force share knowledge and experience, which he received in practice. From it you will learn the main rule of investment, why can not believe everything that is said agents, and as a distinguished expert in finance from the amateurs.

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