一个退休男的248万，就这样没了 How RM 2.48 Million Disappeared in Under a Month
我做了20多年保险规划，见过太多辛苦攒了几十年的退休金，在人生最后阶段被各种风险一口吞掉。但每次看到这类新闻，心里还是很不是滋味。 After more than 20 years in financial planning, I've seen too many families watch decades of savings disappear at the worst possible moment. Stories like this still hit hard.
据报道，不久前大马一名65岁退休男子被拉进一个叫「财富培训」的WhatsApp群组。群里有许多所谓的「热心人士」，免费分享投资课程，看起来专业、靠谱。后来，他认识了一名男子，对方声称可以带他投资中国IPO首发股，并一再强调： According to reports, a 65-year-old Malaysian retiree was recently added to a WhatsApp chatroom called something like "Wealth Training." Inside, seemingly enthusiastic members shared free investment tips and looked impressively credible. He was eventually introduced to a man who claimed he could get him access to Chinese IPO listings — and kept repeating:
「稳赚不赔。机会难得。普通人很难拿到名额。」 "Guaranteed returns. Rare opportunity. Ordinary people can't get access."
不到一个月，他前后24次转账，把248万令吉的退休金分别汇进7个不同银行账户。当他想提款时，客服开始拖延，系统开始出问题。最后，那个M字头的投资APP，从App Store完全消失了。248万，就这样没了。 In under a month, he made 24 separate transfers totalling RM 2.48 million into 7 different bank accounts. When he tried to withdraw, customer service stalled. The system "had issues." Then the app — some M-branded investment platform — vanished entirely from the App Store. RM 2.48 million. Gone.
我想先说一句：这位叔叔不是贪心。他只是想把辛苦存了几十年的退休金，稳稳增值一点点，以后老了，不要拖累孩子。这个想法，本身没有任何错。错的是——骗子最懂利用这种责任感。 I want to say this clearly: this man was not greedy. He simply wanted his life savings to grow a little — just enough that he wouldn't become a burden on his children in old age. There is nothing wrong with that wish. What's wrong is that scammers know exactly how to exploit that sense of responsibility.
HOW哥的3个总结：识破骗局的基本规律 HOW哥's 3 Rules: How to See Through the Scam
第一：凡是「稳赚不赔」，大概率是骗局。真正的投资，永远有风险。定期存款有利率风险，债券有违约风险，股票有市场风险。世界上没有任何一种合法投资工具，能向你保证「零风险、稳赚不赔」。只要对方说出这四个字，无论包装得多专业，请立刻提高警惕。 Rule 1: "Guaranteed returns" is almost always a scam. Every legitimate investment carries risk — fixed deposits carry interest rate risk, bonds carry default risk, equities carry market risk. No regulated financial instrument can promise you zero-risk, guaranteed profit. The moment someone uses those words, no matter how professional they look, your guard should go up immediately.
第二：退休金的第一任务，不是赚快钱，是活得久。安全性，永远比高回酬更重要。退休金的核心使命，是确保你在漫长的晚年里——10年、20年、甚至30年——都有稳定的现金流。用退休金追逐高风险暴利，一旦失败，没有时间重来。 Rule 2: The primary job of your retirement savings is not to make you rich fast — it's to keep you funded for a long life. Safety always outranks yield. Your nest egg needs to sustain stable cash flow across a retirement that could last 10, 20, or even 30 years. Chase high-risk returns with retirement funds, and if it goes wrong, there is no second chance.
第三：真正压垮退休家庭的，往往不是投资失败，而是没有准备好的医疗与长期护理费用。因疾病或意外导致失能失智，需要长期护理——这才是很多退休家庭最沉重的财务负担，却也是最容易被忽视的风险。 Rule 3: What truly crushes retirement families is rarely investment failure — it's unprepared medical and long-term care costs. A stroke, a fall, dementia — any condition that leaves you needing daily care for years is the financial burden most retirement plans leave completely uncovered.
退休金的两大威胁：骗局与长照费用，其实是同一个问题 Two Threats, One Mission: Scams and Care Costs Both Drain the Same Pool
据报道，首相公开的数据显示：每4名公积金（EPF）会员中，就有1人在满55岁提领后5年内花光公积金。这个数字让我很担心，因为花光的原因，有时候是被骗，有时候是医疗账单，有时候是一边在养老、一边在帮孩子还债。 According to publicly cited government figures, 1 in 4 EPF members exhausts their entire EPF savings within 5 years of withdrawing at age 55. That figure worries me — because the reasons vary: sometimes it's a scam, sometimes it's medical bills, sometimes it's quietly subsidising a child's life while pretending everything is fine.
马来西亚一间合格中价位护理中心的费用，约为RM 7,000 / 月（RM 84,000 / 年），加上每年约5%的医疗通胀，10年下来轻易突破百万令吉。如果你没有专门的长期护理保障long-term care coverage，这笔钱只能从退休金里掏——或者，让孩子来承担。 A mid-tier qualified nursing care centre in Malaysia costs approximately RM 7,000/month (RM 84,000/year). Factor in roughly 5% annual medical inflation and the total over ten years easily breaks RM 1 million. Without dedicated 长期护理保障long-term care coverage, that money comes from your savings — or from your children.
这两件事——防范诈骗和规划长照——看起来是两个独立的问题，其实是同一个使命：保住退休金，让自己老了不成为孩子的经济压力。养老规划不是赌一次暴富的机会，而是确保无论发生什么，你都有尊严地老去。 These two concerns — avoiding scams and planning for care — look like separate problems, but they share the same mission: protect the nest egg so you never become a financial burden on your children. Retirement planning isn't a bet on striking it rich. It's a guarantee that no matter what happens, you age with dignity.
遇到这类情况，你应该怎么做？ What Should You Do If You Encounter This?
如果你或你的家人被拉进类似的WhatsApp投资群组，请记住几个简单的原则：第一，不转账。任何要求你把钱汇入私人银行账户的「投资」，都应该拒绝。第二，不下载来路不明的APP。正规投资平台必须在马来西亚证券监督委员会（SC）或中央银行（BNM）注册，可以公开查证。第三，告诉家里的长辈。这类骗局专门针对退休族群，一个提醒，可能就是248万的差距。 If you or a family member is added to a similar WhatsApp investment group, keep these principles in mind: First, don't transfer money. Any "investment" asking you to wire funds into a private bank account should be refused outright. Second, don't download unverified apps. Legitimate investment platforms must be registered with Malaysia's Securities Commission (SC) or Bank Negara — verify this before anything else. Third, tell your elders. These scams specifically target retirees. One conversation could be the difference between safety and losing RM 2.48 million.
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