Dicas Economia

Esquemas de pirâmide e esquemas Ponzi

Título: O Conceito de Esquema de Pirâmide e Esquema Ponzi

Um esquema de pirâmide é uma fraude de investimento em que os investidores atuais são remunerados pelo recrutamento de novos membros. Os novos integrantes, por sua vez, recebem dinheiro ao trazer outras pessoas para o esquema, criando assim uma estrutura em forma de pirâmide. Por exemplo, se Peter inicia um esquema de pirâmide onde o custo mensal de adesão é de $100, ele promete pagar $90 para cada pessoa recrutada e fica com $10. Ao trazer Paul e George, Peter ganha $200 por mês. Posteriormente, Paul convoca Rachel e Sarah, enquanto George convida Bill e Jim. Nesse ponto, Peter está ganhando $240 por mês, e Paul e George, $180, mas após pagar a taxa de $100, ficam com $80. Os quatro membros mais recentes não recebem dinheiro e precisam pagar $100 por mês. Se eles não trouxerem novos integrantes, desistirão, levando Paul e George a também desistirem e o esquema colapsar.

O Funcionamento de um Esquema Ponzi

Por sua vez, o esquema Ponzi também necessita de novos investimentos para pagar aos investidores existentes, mas com uma diferença crucial: os investidores não têm conhecimento disso, acreditando que se trata de um investimento legítimo. Este foi o caso de Bernie Madoff, que por décadas convenceu investidores de que gerava retornos por meio de negociações, quando, na verdade, utilizava o dinheiro dos novos investidores para remunerar os existentes.

Conclusão

Em síntese, tanto os esquemas de pirâmide quanto os esquemas Ponzi são formas de fraude de investimento que dependem do recrutamento contínuo de novos membros para pagar aos investidores atuais. É fundamental reconhecer esses tipos de esquemas e evitar participar deles visando proteger suas finanças e investimentos.

FAQ

O esquema de pirâmide é ilegal?

Sim, os esquemas de pirâmide são considerados ilegais, pois acabam prejudicando a maioria dos participantes e se tornam insustentáveis.

Como identificar um esquema Ponzi?

Alguns sinais de alerta para identificar um esquema Ponzi incluem retornos garantidos e acima da média, dificuldade em receber dinheiro de volta e falta de transparência sobre como os retornos são gerados.

Referência

Fonte do vídeo: Esquemas de pirâmide e esquemas Ponzi explicados em um minuto

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43 Comentários

  1. I have a "webinar" on sunday, about a project / company that I think solely relies on such pyramid schemes. I will listen to what they have to offer, but will be very sceptical. Thanks for the quick summary of this topic.

  2. This is exsatly why happens to our economy. Let’s face it the only reason they have to give money out is to keep some floating throw the system .

    The proof is there . I.e if no one on the planet got payed a penny for 6 months then that doesn’t mean that we can have free food or free fuel or that the bills stop . With out some money given to people in the fist place we wouldn’t end up with it going to one source that in the Uk would tax ie council tax .

    Every body kept spending to the last penny then in the end tax has it and a few other .
    29 people would end up with it all it would be worthless but then

  3. Money is the control over the system and is the cover up operation from day one .
    The schools and our history and our hole life is part of there program we are just basically aiming for nothing atall we have no reason to be here and we are destroying it . And to save the planet and the people on it cost them money . A place of free clean living was never in there plan , the plan has been for our people how to exploit the planet and people for there selfs to be bigger and better and grreater than others . There insane people that are not happy and are equal to us they are of no perpose in the world or the planet unless they have us Serv them .

    This game of life is money game of there’s . When we start as a player there’s already winners a d those winners don’t play fair .

    Half of every £1 in the world go’s to 29 people and they have had it longer than our life span . They just hold it never dose this money leave them they don’t risk it on the game with us they no that it’s not worth anything if we share the wealth equally then everything is worthless . Money has value when there people dying from not having enough in the same way if one person owned every Housr and no one could live in them .

  4. "Our financial system is a ponzi scheme because it means perpetual growth but thats a topic for another video".. Have you already made it? Can we have a link? I can't seem to find it in your channel. Would be interesting to watch.

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  7. This shit is what brainwashed and delusional and selfish and sadistic and in greed we trust driven future token Toby Kunta KinTAX payer whip cracking slavery driver pro life anti abortion God freaks are all about. The meaning of shitty human life is all about SLAVERY for all races of people in the USA 🇺🇸 and WHOLE WORLD. GO JANES REVENGE !!! that's the truth the whole truth and nothing but the truth. Susan Marie PSYCHO VIRGO Holloway Bryson Baby ❤MY LOVE ❤XOXO ❤ That is Flawless Logic by the real ELIGHTENER SUPER EMPATH BLACK SHEEP 🐑 LONE WOLF 🐺 WHITE DUDE Cody William AQUARIUS Bryson of Irving Dallas County Texas USA 🇺🇸 AKA Aquarius William Grey because I AM ashamed to be a BRYSON

  8. Local churches keep people investing over and over for pie. And guess where the pie is. There is no scripture that says the local church is the storehouse. This is a lie perpetrated by the Catholic church.

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