Joke Collection Website - Mood Talk - Relatives suddenly call and the company raises funds, with an annual interest rate of 10%. What should I do?

Relatives suddenly call and the company raises funds, with an annual interest rate of 10%. What should I do?

It's best not to get involved in this excitement. You can control your own money. You can deposit money in the bank regularly or buy financial management from the bank. Even if you earn less, at least you won't lose money. And it has nothing to do with others, which will make you less trouble or trouble in the future.

Moreover, the annual interest rate 10% is just talk, and the company is qualified to make such a guarantee. Even if you invest through relatives, you can't sign an agreement directly with the company. You can't get a lot of direct information

Your relatives work in the company themselves, and they know the company better and have confidence. It is understandable to participate in fund-raising, but you should think more about outsiders.

This kind of thing can't be done, it's too risky. How many people have suffered for this. Thinking about earning more interest, in the end, the principal is often not recovered. Instead, it is better to choose a safe and reliable investment and financial management method.

Hello friends, this thing is not new. Since the reform and opening up, there has been a rise: borrowing chickens to lay eggs.

Theoretically, it is good, and everyone is happy, but in fact, it should be carefully considered. After all, times have changed, so we should look at the problem dynamically.

First of all, internal fund-raising also has certain risks:

First, there is no very clear guarantee for internal fund-raising.

B, the so-called internal fund-raising, to put it bluntly, means that the enterprise is short of money and invites you to take money to participate in the operation. However, it is not a formal bond. If the management is not good or goes bankrupt, the fund raiser also needs to bear the corresponding risks. Examples like this abound.

C, fund-raising, income, equivalent to getting dividends from enterprises, is objectively floating and uncertain. There is no such thing as annual interest.

D. In addition, pay attention to liquidity risk. Even if the business is operating normally, if there is no due capital, it may still be impossible to pay the principal and income.

Summary: The so-called internal fund-raising, in the words of our common people, means that enterprises invite you to take money to participate in business acquisition, floating uncertain income and paying dividends. There is no such thing as annual interest. It is essentially different from bank deposits, which have a fixed interest rate, are protected by law and are guaranteed by deposit insurance. Be careful.

Secondly, to analyze, to participate in fundraising, or not to participate in fundraising:

A. Participate in fund-raising: If you trust your relatives, they also have strength, and you know this enterprise well. Enterprises operate normally, with strong profitability and quick repayment. You need funds to expand production and can take high risks. The money in your hand also belongs to idle money, which does not require high liquidity. You want to earn high returns, and you know the boundaries between fund-raising and illegal fund-raising.

You can participate in fundraising.

B. Don't participate in capital allocation: If you can't take high risks, the money in hand is not idle money, the usable period is limited (or within one year), the liquidity is high, and you don't know the enterprise, so you should consider it carefully.

Summary: This question depends on people, things, enterprises and compliance.

To sum up: fund-raising is nothing new, and the results are different. In fact, many middle-aged and elderly workers are no strangers to the mechanism, which is the product of borrowing chickens to lay eggs.

Whether to participate in fund-raising should be considered from many aspects and must be cautious.

Finally, I want to give my friends a compromise, one more way:

If you really want to earn this 1 1% floating high income, if your relatives have the strength, you can consider lending money to your relatives (you can make a profit and share good things), and let him write you an iou as an individual or family, stating all the items, especially the fixed income, and it is best to have a guarantor. In this way, it is legal and private lending is protected.

As shown above, the occasional loan between relatives and friends is guaranteed at an annualized rate of 1 1% or lower (according to the latest rules, as long as it does not exceed 15.4%).

There are many sources of repayment, and once problems arise, it is easy to find solutions and more stable.

The company where relatives work came up with the bad idea of illegal fund-raising. Relatives call you because in order to complete their share of fund-raising, they can only find relatives and friends to make up the number. Don't be fooled. You want a profit of 10% a year, and people are only interested in the capital you invested. Be careful that the company goes bankrupt and the boss leaves with money, and then you will be beaten to death and want to cry. Just think more.

Sixty-eight old people.

Brothers are not rich, let alone relatives? Caution is advised. Now the company has cashed out too much in the name of internal fund-raising. If it is a company with good economic strength, why not go to the bank for a loan! A ten percent return is a trap. If you want the interests of others, they may want your principal. Say no to him!

Sometimes it is a good thing, the key depends on the size and purpose of the company. Small in scale. Caution is necessary in order to pay off debts. More important is the character of relatives.

This relative is unreliable. The most I can tell you is that there is such a thing, and I don't ask you to save money! You should save it at your own risk! My previous unit went through three fund-raising, the first time it was not paid back for more than 90 years, and later it was paid back through joint venture. After the second foreigner withdrew his capital, he raised money, but he couldn't afford it. The company was restructured into a private enterprise and returned. The third time private enterprises raised funds, they could not afford it. Later, enterprises in Gai Lou were occupied, and the government paid back the money! Experience the risk first hand! I have no money, and I never take part! I am an employee, but I know nothing about the enterprise! It is estimated that there are no more than ten people who can understand in the enterprise!

Must refuse. No one can avoid this risk. Don't do anything without guarantee. You are greedy for others' interest, and others are greedy for your principal. There are many such things, and the final result is a Shui Piao. What do you think is the interest on your deposit in the bank? How many times is this interest higher than that of the bank? This company can offer such a high interest rate, and it can also borrow money from the bank without raising funds internally. This kind of thing is basically made by relatives. That's how my own menstruation was cheated. Kissing menstruation's family was cheated by 65,438+10,000. But menstruation's elder sister's son said that it was also true. Well, the company at work raised funds internally, and the interest rate was much higher than that of the bank. menstruation believed it. At the beginning, I was very trustworthy and paid interest on time. In the end, not only the interest was not paid, but also the principal was not paid. Finally, the building was empty. It's gone. Just look at this high interest rate and you will know that this is a scam. This kind of thing was introduced by relatives. It is only through relatives that people are easily deceived. So just say no to your relatives and say you have no money to save.

It is your freedom to save or not. According to my own experience, try not to save. 1996, our factory also raised funds. At that time, it was said that the factory 15% interest was closed down, not to mention that the interest was not paid back at all and the principal was hardly returned.

Don't be a victim, or you'll lose your money. Are there few cases like this in the whole society in recent years? The most feared situation is that after receiving the so-called fund-raising, the boss of the company transfers the property in the name of operation, cancels the company's insolvency, takes away huge amounts of property and runs away.

First of all, as soon as I heard that the annual interest rate is 10%, there is a high risk of losing all the investments. What business can achieve a net profit of 10% now? Even if the gross profit can reach this ratio, how much net profit can be left after deducting various costs?

Secondly, do you know what company your relatives are in? Do you know the basic situation of your relative's company? For example, the company's name, who is its legal representative, its size, its profitability, whether the company has caused adverse social impact, whether the legal representative of the company is the real company controller (who is the actual controller of the company), whether the actual controller of the company has a criminal record and other social adverse rumors.

Third, do you know whether your relative's company will raise money or whether individuals will use the money? Do you use your money in the name of raising funds for the company? All this is hard to say. You may 100% not know what your relatives are like.

Fourth, can others give you a chance to get rich?

Fifth, is it suspected of illegal fund-raising and other economic crimes?

I still advise you to be careful.