High-Yield Investment Program (HYIP)

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Definition of 'High-Yield Investment Program (HYIP)'

A high-yield investment program (HYIP) is a type of investment that promises high returns in a short period of time. These programs are often promoted through online advertisements and social media, and they often target people who are looking for a way to make quick money.

HYIPs are often structured as Ponzi schemes, which means that new investors' money is used to pay off earlier investors. This can work for a while, but eventually the scheme collapses when there are no new investors to bring in money.

There are a number of red flags that you should look for when considering an HYIP. These include:

* The program promises high returns with little or no risk.
* The program is promoted through aggressive marketing tactics, such as cold calls, spam emails, and social media posts.
* The program is not regulated by any government agency.
* The program's website is unprofessional or does not provide any contact information.

If you are considering investing in an HYIP, you should be aware of the risks involved. These programs are often scams, and you could lose all of your money.

Here are some additional resources that you may find helpful:

* [The Securities and Exchange Commission (SEC) on HYIPs](https://www.sec.gov/oiea/investor-alerts-and-bulletins/ib_highyield.html)
* [The Federal Trade Commission (FTC) on HYIPs](https://www.ftc.gov/tips-advice/business-center/guidance/high-yield-investment-programs-hyips)
* [The Consumer Financial Protection Bureau (CFPB) on HYIPs](https://www.consumerfinance.gov/consumer-tools/complaint-database/search/?keyword=high-yield+investment+program)

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