The Ponzi scheme was created when its founder Charles Ponzi started investing in international postal stamps, buying them in Europe and selling them to America. During the history of creating the Ponzi scheme of "earnings" up to now, a lot of new scams have evolved, according to his model. Bernard Madoff was one of the most famous and greatest executives of the Ponzi scheme. Madoff has gained great popularity during his business, and his importance in society has enabled him to carry out malversation, and his business specifics are listed. According to the risk of our own investments we share risk and noninvestment. Non-risky investments are characterized by a guarantee to the investor that they will receive interest on their invested funds, while there is no guarantee for risky investment. The Ponzi scheme is characterized by the increasing number of new investors. In this way there is a risk of the scheme being lost, ie the possibility of losing the money and the promised interest.