Emotions Make Older Investors More Vulnerable to Fraud, Says FINRA/Stanford/AARP Study

根据研究，一些财务欺诈者可能会试图通过使他们感到强烈的情绪来操纵投资者，以便他们移交他们的钱，而老年投资者则是最容易受到这种操纵的人。研究由FINRA投资者教育基金会，AARP欺诈手表网络和斯坦福大学心理学家进行并资助。他们说，诱使年长的人可能会使他们更有可能购买虚假广告的物品。

The team studied adults in the 65- 85 age group and adults in the 30-40 age group. They sought to find out whether inciting anger or excitement in either demographic made them more susceptible to fraud.

According to their findings, feeling excitement or anger enhanced an older investor’s desire to buy in investment item as opposed to when there was no emotional arousal. Furthermore, the emotional state felt by an older adult did not have to be positive or negative for him/her to become more vulnerable to fraud. As AARP Fraud Watch Network Dr. Shadel stated, whether a fraudster is trying to get an older investor excited about making a lot of money or angry about past or future financial losses, either approach, when used to get them to make a purchase, proved just as impactful. The elderly investor’s rational thinking becomes suspended in the process.

The research found that in younger adults, experiencing strong feelings of excitement or anger did not appear to be a factor in whether or not they would make a purchase. This suggests that heightened feelings do not increase the younger group’s susceptibility to fraud.

The findings also showed that while younger adults were more likely to buy when there was greater advertisement believability, this criteria did not impact older adults’ intention to make purchase. Instead, once again, an older person’s intention to buy was based more on experiencing strong feelings than on any perceived credibility.

老年财务欺诈
Unfortunately, senior investors remain a favorite target of fraudsters because they are more vulnerable to scams than younger investors. Older investors have more money saved. Some of them may suffer from dementia or are affected by the more typical changes that happen to the brain as people get older. Still others may be living in isolation, without a support system to help identify when there is fraud taking place. The Securities Industry and Financial Markets Association, seniors suffer $2.9B of losses every year to fraud.

Our senior financial fraud law firm represents older investors and their families seeking to recoup losses sustained from securities fraud. ContactShepherd Smith Edwards and Kantas, LTD LLPtoday.

情绪增加了老年人对欺诈的敏感性：斯坦福大学，FINRA基金会和AARP的研究，FINRA，2016年5月5日