23 avril 2019

Homme avec calculatriceAvez-vous déjà acheté un billet de loterie ? Saviez-vous que vous avez une chance sur environ 33 millions de gagner le gros lot avec une participation au Lotto Max ? En comparaison, une personne sur 25 dit avoir investi de l’argent dans un placement frauduleux.

Nous sommes tous de potentielles cibles pour les fraudeurs. Toutefois, en raison du patrimoine qu’elles peuvent avoir accumulé et, dans certains cas, de leur vulnérabilité, les personnes aînées peuvent s’avérer des cibles de choix pour les fraudeurs.

Pour réduire les risques de fraude, apprenez à dire non !

Voici des exemples de situations où vous pourriez simplement dire non :

  • Un inconnu vous appelle pour que vous investissiez au téléphone ou par Internet, sans même vérifier votre profil d’investisseur : dites non, puis raccrochez ! Choisissez plutôt vous-même la personne ou l’entreprise avec qui vous ferez affaire.
  • On vous dit que vous devez absolument investir aujourd’hui dans le placement proposé pour profiter de l’offre : dites non ! On tente possiblement de vous manipuler en ne vous laissant pas le temps de réfléchir. Vous avez un doute ? Communiquez avec l’Autorité des marchés financiers.
  • On vous garantit que le placement fera un bond vertigineux : dites non ! Personne ne peut promettre ça !
  • On vous demande d’investir en utilisant votre carte de crédit ou de l’argent comptant : dites non ! Les institutions n’exigent pas ces modes de paiement. De plus, investir en empruntant représente un risque financier important.

Il est souvent difficile de dire non. Parfois, ce sont des connaissances, des amis très gentils qui offrent des placements. Vous voulez éviter de les offusquer en refusant. Vous pourriez simplement répondre que vos placements sont investis pour plusieurs années et que vous ne pourrez pas y accéder avant longtemps, ou encore que vous ne disposez pas des sommes requises pour profiter de la proposition.

Avant d’investir

  1. Vérifiez toujours si les entreprises et les individus qui vous offrent des produits et services financiers sont inscrits auprès de l’Autorité des marchés financiers (AMF)
    Vous pouvez le faire en appelant au 1 877 525-0337 ou en consultant le Registre des entreprises et des individus autorisés à exercer.
  2. Assurez-vous d’avoir obtenu de l’information écrite et complète sur le placement
    Vous devez comprendre vos placements, notamment savoir ce que vous risquez de perdre, ce que vous pourriez gagner et quand vous pourrez récupérer les sommes investies.
  3. Demandez-vous si l’offre que l’on vous fait est réaliste
    Ne succombez pas : quand ça semble trop beau pour être vrai, c’est probablement le cas. Au moment d’écrire ces lignes, les meilleurs certificats de placement garanti d’une durée de 5 ans n’offrent pas plus de 3,50 % par année.

L’AMF vous invite à l’informer si vous croyez être victime ou témoin d’une situation frauduleuse. Vous pourriez ainsi nous aider à intervenir rapidement pour interrompre la fraude, préserver dans certains cas les sommes en jeu et éviter à d’autres investisseurs de se faire prendre.

Vous souhaitez transmettre des informations de manière confidentielle car vous craignez, par exemple, de subir des représailles ? Appelez-nous au 1 866 332-0115.

L’Autorité des marchés financiers

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151 commentaires

151 Replies to “La fraude : non merci !”

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