5 Ways to Identify Ponzi Scheme or SCAM

There are various investment plans available in the market which provide good return, for example 10%, 20%, 30%, some even 50% PER ANNUM!

But how to identify the scheme or investment plan whether it is legit or viable?

1. Please refer to List of Alerted Companies : The companies under the alert list MIGHT NOT be a SCAM company, but as BNM's message "I've alerted you, please invest at your own risk. I hold no responsibility for any losses incurred by you"


2. Pyramid System / Money Game-like : All the Ponzi Schemes or SCAM will encourage their investors to recruit new investor and give them a BONUS or REFERRAL FEE for recruiting. Besides that, they also have the right to draw a certain percentage from their recruit's recruit, a multilevel/multi-tier benefit. So, check with the company background, are they in the Pyramid System or a Money Game. Or you can simply ask"How many levels or tiers I can get the benefit from my referrals if I invest?"


3. Get Rich Quick (GRQ) Scheme / Skim Cepat Kaya : Bear in mind, this world has no free lunch. If you invest in any investment plan that give you more than 30% a year, please be ready to accept the fact that you only have 30% chance to get back your hard earn money. Those who join earlier would benefited the most.


4. Source of Income : Many investment plans promise to give you a certain percentage rate of return BUT they cannot clearly explain and show you WHERE THE RETURN COMEs FROM.They will tend to use certain terms to blur and confuse you AND they not able to show you the FACTS.


5. Logic of Business Model : Nowadays investment plans in the market has various industry from agriculture to energy sector. You may consult the PROFESSIONAL in the particular industry of investment to understand the viability and the logic of the business model.

In a nutshell, investments do carry RISK. In an alternative investment, what matters most is our CAPITAL. Nothing more important than the investing capital! 

*An alternative investment is an investment in asset classes other than stocks, bonds, and cash.

Remember, the 5 items as mentioned above are the fundamentals to invest in alternative investment. 

Thank you for reading!

My First Alternative Investment in Oil Palm Plantation - Golden Palm Growers Scheme

Golden Palm Growers Berhad
Golden Palm Growers Scheme August 2013 Prospectus

Time pass swiftly, I've served this company almost 2 years since February 2012.

I'll explain how this investment works:

This investment is investing in oil palm plantation of 11,000 acres or 44,000 growers plot

1 Growers Plot = ¼ acre of land
Minimum Investment = 1 Growers Plot

Phase 1 - RM 7,000/plot  (20/8/2010 - 19/2/2011)

Phase 2 - RM 8,000/plot  (20/2/2011 - 30/9/2011)

Phase 3 - RM 8,800/plot  (1/10/2011 - 19/8/2012)

Phase 4 - RM 9,600/plot  (20/8/2012 - 30/9/2013)

Special TopUp Promotion - RM 8,000/plot  (1/7/2013 - 30/9/2013)

Investment Return

Planting Phase (20th of August, 2010 - 19th of August, 2016)

First 6 years: 6% Guaranteed Return + Discretionary Bonus:

2011 Total Payout : 8% (2% Bonus)

2012 Total Payout : 8% (2% Bonus)

2013 Total Payout : 6% (0% Bonus)

Commercial Yield Phase (20th of August, 2016 - 19th of August, 2033)

This is based on 2 formulas whichever the return is higher:

a) i) Average Crude Palm Oil (CPO) Price => RM 1500/metric tonne (mt) : 9% of purchased plot price

    ii) Average CPO Price => RM 1000/mt or < RM 1500/mt : 6% of purchased plot price

   iii) Average CPO Price < RM 1000/mt : 0% of purchased plot price

b) Net profit sharing = (Net profit of the plantation / Total Number of Plot ) x Number of Plot Owned

Scenario A

For example: Mr. Teo purchased 10 plots of RM 8,800/plot; Average CPO Price is RM 3,500/mt; Company net profit RM 50,000,000.

a) 10 plots x RM 8,800 x 9% = RM 7,920 Return

b) (RM 50,000,000 / 44,000) x 10 plots = RM 11,363.64 Return √ Higher

In this scenario, Mr. Teo will get the return of RM 11,363.64 in that year.

Scenario B

For example: Mr. Lee purchased 20 plots of RM 8,000/plot; Average CPO Price is RM 2,800/mt; Company net profit RM 30,000,000.

a) 20 plots x RM 8,000 x 9% = RM 14,400 Return √ Higher

b) (RM 30,000,000 / 44,000) x 20 plots = RM 13,636.36 Return 

In this scenario, Mr. Lee will get the return of RM 14,400.00 in that year.

Liquidation

Total term of this investment is 23 years begin from 20th of August, 2010 until 19th of August, 2033.

a) Long term:

Upon the maturity in 2033, the plantation will sell at the price of the land value.

b) Short term:

Company guarantee buyback capital after 20th of August, 2016. However, limited to 10% of total number of plots sold.

Partners

Land Owner : Perbadanan Pembangunan Ladang Rakyat Negeri Kelantan

Trustee : AmTrustee Berhad 

Auditors : BDO

Solicitors : Zul Rafique & Partners 

Independent Consultant : CPS Plantation Management Sdn Bhd 

Independent Valuer: Messrs Raine & Horne International Zaki & Partners Sdn Bhd

Security

- Regulated by Companies Commission of Malaysia
- Government-registered investment, share-farming interest scheme

- Land title hold by Trustee 

- Audit half yearly by renowned Auditor

- Experienced plantation management team from Sime Darby

- Evaluate plantation's value half yearly by International Valuer

Golden Palm Nov 2011 Plantation Visit

Golden Palm June 2012 Plantation Visit

Golden Palm January 2013 Plantation Visit

A hassle-free investment giving good returns and long term passive income. Most importantly it is managed by a group of professionals, it gives investors a peace of mind after investing in Golden Palm Growers Scheme.

Instead of dumping all of our savings in bank, we should diversify our investment portfolio in different place to generate more income by using our money.

Thank you.

Hi blogspot

Hello world!

My first blog in my life

Thank you and どぞよろしくお願いいします

=D