Retirement Investment Scams Designed To Defraud People

Before investing your savings into a retirement program or ‘income’ generating programs offered by companies such as Metlife.com — do the math and read the terms and you will find programs designed similar to these are generally designed to default their own investors over time.

To keep things simple for fast readers — no retirement programs don’t work.   Investment scams are very common.  There are many reasons they don’t work but we can start with the basic economic foundation and then we can peek into how these programs scam, defaud, and swindle individuals out of their money, legally.

Imagine someone off the streets coming to you and saying…

“give me all your money and I will wisely invest it and make you enough money to live the rest of your life.  In fact, I am so good at this that I manage billions of dollars in assets and yield a HUGE return for my clients… but I need your money…even though its only $500″

… but lets take it further then that..

“I need your money, and I will invest it using my secret methods according to my little chart I made, and I have been doing this for 70 years!  Of course… where I will put your money, in the 2009 Bond Fund… has only been around for 2 months and you will be a new investor.  We do this because ‘your’ retirement strategy doesn’t sit any of our 2,000 prior funds we have… or the 2008 Bond Fund… which is the same thing.  Of course, once you put your money in, you can’t get it back out for a very long time, and if you do take it out, you will have to forfiet almost all of it.  I also need you to sign paperwork saying you understand that its possible, and very likely, you will lose your money, and you won’t sue me when I lose it.”

Now — seriously — would you invest with this guy?  Countless Wall Street firms use this very approach and you people put your money into it.  Do you ever wonder why they have THOUSANDS of ‘funds’ to invest in?  Ever wonder why you can’t invest into one of their 40-year old funds, and that every fund that offer you is only a few years old?  If these people have been around for so long — why do they need the blue colar peoples money — wouldn’t banks loan it to them?  Private venture capitalists?  Why do they need your money?

Because its a scam — a very long, rich, and lucrative one and here is how the play book goes.

You put on a fancy suit, team up with a prospectus from a high and mightly company — MetLife — fidelity – for example — they are all the same.  You setup 10 new 2009 ‘funds’ and put company money into each.  Buy very risky stocks across the board… and 8 of those funds will show terrible negative loses… but 2 of them will have double digit returns.  Close out the 8 bad funds and show in your portfolio the 2 that are doing very well.  Now start cold calling saying “We can secure your income — look at our 15% return last year!  That is 12% more then what your bank is paying you!  We are a 70 year old company!”…. and dump tons of new, dumb, financially impered workers into your fund.  Invest very conservative for hte next 2-3 years and pay the ‘return on investment, 10%-15%’ using the fees you charge new investors coming on board… sometimes thousands of dollars.  Once you are about 3 years in… give up… and let the ship sink… like this..

So everyone would take their money out.. .yes?  Of course not!  Because you can’t.  Part of the terms is that you have to keep your money in there until your 59 1/2…. and if you happen to be 58 when you join… they wont put you int his fund, they will put you in a fund that wants you to be 65 when you can get at it, etc.  If you try to take your money out — expect to lose instantly the largest part of your investment… IF you can take it out at all.  So why do they do this?  Simple — fees.  Investing is stocks is gambling, when one person buys, another is selling and to know which person is right is gambling — but these investment companies don’t have to gamble.  They make HUGE fees — 3-4% of the portfolio value each year no matters if they make money or lose money — and when you can’t take your money out — that means they dwindle your savings down to nothing.  Once things go ’south’ they ‘close’ that fund so no new investors can come into it and the fund is removed from their portfolio offering (the cute one they print up to hand you at the bank which is NOT regulated)… which only shows their ‘upstanding investments’.  If you really want to throw theese people off… have them give you a report of every 19XX (any year) fund that their company setup and how the investors are doing — you will see tears and shadered dreams.  Every firm keeps ‘one’ crisp clean fund.. to show a fund that has been making money since the 40s and one share will be $50k or something crazy to keep people from getting into it, if its even allowed, for the sake of saying ‘positive returns since..”.

But the point is… use your head.. these people cannot guarentee you income over time because its all a money game that everyone gets paid but you.  Right when that sales person closes your investment they receive up to 10% of it INSTANTLY.  How can a company afford to pay a sales person 10% and another guy 2-3% a year — just for taking your money? Its a legal investment scam!   They can’t do it for long and thats why there are so many ‘funds’ you can get into — they sell the profitable ones and bury and hide them once they are done.  Its a big game of taking your money into one company, treating you bad, and you seeing another ad on TV saying “Move your money over here, because we are family, and you can trust us… call us Chuck”.  When you sign that investment you sign your life away for 100% lose.  Investment scams are all over the place — just because you can ‘call Chuck’ doesnt mean its not.

So here is how you avoid losing your money…

(a) never buy into a investment that you cannot withdraw your money out of at anytime.
(b) always require they ’sell’ your investment in their company the very first quarter it shows a loss.
(c) require the company disclose to you EVER fund and their return on investment the company holds… even if its thousands of them.
(d) request full disclose of all fees, and their commision, before signing.  The higher his commision, the bigger scam he is selling.

and (e)… don’t invest in these companies.  You know how retirement is made?  Pay off your house, your car, buy solar panels, and purchase income-generating companies such as Intellectual Property that will generate you actual, true, income over time.  If your interested in intellectual properties, contact  (support@seorulebook.com) — good stuff.  Invest in small business, invest in innovation — work your money and put it with people that are BRILLIENT and GENIUS that you have spent your whole life with.  Don’t invest it with broke people, invest it with successful people while they are on an uptrend.  Invest it in people that DONT WANT YOUR MONEY.  Take that friend of yours that is successful, that does not want your money, and invest into his business.  That is why you build ‘retirment income’.  Anytime you see methods designed to ‘turn the masses into rich people’ its a scam — and I don’t care how big of building they have in Wal Street.  We have proven company after company that uses this VERY method for pulling off these schemes… billion dollar companies… so use your head — its not real — don’t waste your time.  Investment scams are all over the place so be very careful and just avoid it all together.

Saving you millions, Your Friend,– Super KC

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