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Beware of Fraud: Protect Your Assets

In the rapidly advancing digital era, investing has become a key strategy for achieving financial goals. However, alongside technological advancements, fraudulent schemes in the financial and investment sectors have also become increasingly diverse. Therefore, it is crucial to remain vigilant and cautious to avoid financial losses.

Understanding Fraud Investment Schemes

Investment fraud often promises significant returns in a short time. Some common schemes include:

  1. Unofficial Offers
    Fraudsters may impersonate a company to offer investment products, reward programs, or even job opportunities. These schemes are often executed through unofficial communication channels such as text messages, emails, or social media.
  2. Fake Applications or Websites
    Another method involves creating apps or websites that mimic official investment platforms. Once victims register and deposit funds, these platforms become inaccessible. Domain abuse, or the misuse of domain names for criminal purposes, can lead to financial losses, data theft, and security issues for individuals and organizations. According to a report by the Indonesia Domain Abuse Data Exchange (IDADX), domain abuse cases reached 52,050 by Q3 2024, with the financial industry being the most targeted sector (55.08%).
  3. Social Media Fraud
    Fraudsters use social media to spread false information, offer illegal investments, or directly contact potential victims through convincing profiles. Phishing, a technique designed to steal personal and sensitive data, is commonly employed.
  4. Ponzi or Pyramid Schemes
    These schemes rely on funds from new members to pay returns to earlier participants. Such schemes are unsustainable and usually end in significant losses for investors.
Characteristics of Fraudulent Schemes

To recognize fraud, watch out for the following signs:

  • Promises of High Returns in a Short Investment Duration Without Risk: All investments carry risks, and regulations in Indonesia strictly prohibit any investment offering specific guaranteed returns unless covered by appropriate guarantees.
  • Pressure for Immediate Action: Fraudsters often urge you to make immediate decisions without time to think.
  • Lack of Transparency: Information about the product or company is difficult to verify.
  • Unofficial Communication Channels or Fake Accounts: Fraudsters may use personal emails, WhatsApp messages, unverified social media accounts, or impersonate legitimate companies.
  • Requests for Personal Information: Fraudsters frequently ask for sensitive data, such as bank account details or identity cards.
Tips to Avoid Fraud Investments

To steer clear of fraudulent schemes, consider these steps:

  1. Check the Legality of the Company: Ensure the company offering the investment products is registered and supervised by the Financial Services Authority (OJK). You can verify official financial service providers, especially investment managers, on the OJK website: https://reksadana.ojk.go.id/Public/ManajerInvestasiList.aspx.
  2. Take Time to Make Investment Decisions: Fraudsters often pressure you to decide quickly. Take your time to study the investment product being offered.
  3. Verify Information: Do not easily trust information received through unofficial channels. Contact the company directly via official contact points to confirm its validity.
  4. Understand the Investment Product: Learn about the investment product, by reading the prospectus, fund fact sheets, and other product-related documents. Avoid products that lack transparency or are difficult to understand. A list of official investment products, especially mutual funds, can be accessed at the following OJK site: https://reksadana.ojk.go.id/Public/ProdukReksadanaPublic.aspx.
Reporting Fraudulent Schemes

If you detect any fraudulent schemes, please report them immediately via:

Our Official Communication Channels

We need to emphasize that PT Allianz Global Investors Asset Management Indonesia only has the following official platforms and e-mails:

  1. Website: https://id.allianzgi.com/
  2. YouTube Channel: @AllianzGIID
  3. E-mail: CS.ID@allianzgi.com

We never contact customers via social media or instant messaging applications to offer investment products or ask for personal information. WhatsApp and Telegram are not our official communication platforms. Any form of communication on behalf of PT Allianz Global Investors Asset Management Indonesia outside of these official platforms appears to be fraudulent.

Protect your financial future wisely. Choose investment products from legitimate and trusted companies. Avoid being tempted by unrealistic promises of quick profits. Stay cautious and do not hesitate to seek more information before making investment decisions. For official information about our products and services, visit our website or contact our customer service through the available channels.

  • Disclaimer
    Investment through mutual funds contains risk. Before deciding to invest, prospective investors must read and understand the prospectus. Past performance does not guarantee/reflect an indication of future performance.

    This is a marketing communication. It is for informational purposes only. This document does not constitute investment advice or a recommendation to buy, sell or hold any security and shall not be deemed an offer to sell or a solicitation of an offer to buy any security.

    The views and opinions expressed herein, which are subject to change without notice, are those of the issuer or its affiliated companies at the time of publication. Certain data used are derived from various sources believed to be reliable, but the accuracy or completeness of the data is not guaranteed and no liability is assumed for any direct or consequential losses arising from their use. The duplication, publication, extraction or transmission of the contents, irrespective of the form, is not permitted.

    This material has not been reviewed by any regulatory authorities in Indonesia. PT Allianz Global Investors Asset Management Indonesia is licensed and supervised by Indonesia Financial Service Authority (OJK).

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