Why do intelligent, experienced people still fall for financial scams? How do fraudsters persuade millions of people to hand over their savings, and why are new scams constantly replacing old ones? In this eye-opening discussion, we'll explore the mechanics behind some of the world's most common financial frauds, including Ponzi schemes, pig butchering scams, pump-and-dump schemes, rug pulls and other deceptive investment tactics. More importantly, we'll examine the psychological and economic principles that make these schemes so effective, from social proof and FOMO to information asymmetry and unrealistic promises of guaranteed returns.

Hosted by Darema, a financial advisor for expats with extensive knowledge of global financial markets and personal finance, this session will equip you with practical tools to recognise warning signs before it's too late. We'll discuss how online scams evolve, how fraudsters build trust, the red flags that every investor should know, and the vocabulary used by financial professionals, regulators and the media when discussing fraud. Whether you're new to investing or already managing your own finances, you'll leave with a sharper understanding of financial risk, greater confidence in evaluating opportunities, and valuable knowledge that could one day protect both your money and your peace of mind.

为什么很多聪明、有经验的人，依然会掉进金融骗局？骗子究竟是如何说服数百万人交出自己的积蓄，而各种新骗局又为什么总能不断取代旧骗局？在这场深度讨论中，我们将一起拆解一些最常见的金融诈骗背后的运作方式，包括庞氏骗局、杀猪盘、拉高出货骗局、跑路骗局（Rug Pull）以及其他各种投资欺诈手段。更重要的是，我们会进一步探讨这些骗局为什么如此有效背后的心理学和经济学原理，比如社会认同效应（Social Proof）、害怕错过（FOMO）、信息不对称，以及“保证高收益”等不切实际的承诺是如何影响人们判断的。

本次活动由 Darema 主持，他是一名专注于海外人士财务规划的金融顾问，对全球金融市场和个人理财拥有丰富经验。本次分享将帮助你掌握实用的方法，在风险发生之前识别危险信号。我们会聊聊网络骗局是如何不断变化的，骗子如何建立信任关系，投资者需要警惕哪些红旗信号，以及金融从业者、监管机构和媒体在讨论诈骗时常用的专业词汇。

无论你刚开始接触投资，还是已经在管理自己的财务，你都能在活动结束后对金融风险有更清晰的认识，提高判断投资机会的能力，并获得一些未来可能保护你的财富和安心生活的重要知识。