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Ponzi scheme
This term describes a specific type of financial fraud where returns are paid to earlier investors using the capital provided by newer investors, rather than from actual profit earned by a legitimate business operation. It carries a heavy negative connotation of deception, greed, and inevitable collapse, as the system requires a constant flow of new participants to avoid bankruptcy.
In legal and financial contexts, it is distinguished from a pyramid scheme. While both rely on new recruits, a Ponzi scheme typically masquerades as a sophisticated investment opportunity managed by a central figure, whereas a pyramid scheme explicitly requires participants to recruit others to earn commissions.
Meanings
Examples
The investment fund turned out to be a massive ponzi scheme.
He spent years running a sophisticated ponzi scheme to fund his lavish lifestyle.
The detective suspected the company was operating a ponzi scheme from the start.
Thousands of people lost their life savings when the ponzi scheme collapsed.
I cannot believe I fell for such an obvious ponzi scheme.
The regulator worked for months to uncover the complex ponzi scheme.
It is just another ponzi scheme designed to trick greedy investors.