As more people turn to platforms like Facebook, YouTube, TikTok, and Instagram for information, it’s critical to know how to spot trustworthy content and avoid common pitfalls.
Check the Source and Consider the Motive
Not every post, video, or article about CalPERS is accurate, even if it sounds convincing.
Before relying on information you see on social media, ask the following:
- Who posted this?
- Is it coming from an official CalPERS account or website?
- Is the information current and verified?
- Does the person or organization posting it have a particular agenda, business interest, or bias?
Social media creators—who are cropping up all over—often share their own beliefs, interpretations, or outdated information that may not apply to your situation. In the same vein, some posts may oversimplify complex retirement topics or leave out important details. They may try to use fear to sell you financial products that don’t carry the same security as your CalPERS pension.
Stay Cautious of Links and Messages
Scammers have migrated to online spaces in droves, and frequently use fake posts, ads, emails, or direct messages that appear to be connected to trusted organizations (like CalPERS).
These scams may:
- Claim there’s an urgent issue with your account.
- Promise benefit increases or special programs.
- Ask you to “verify” personal information.
- Direct you to fake websites/accounts designed to look official.
As a rule, avoid clicking on suspicious links shared through social media comments, private messages, or unfamiliar accounts.
Instead, access CalPERS information by typing the official website, www.calpers.ca.gov, directly into your browser or navigating through verified CalPERS social media accounts or platforms, such as myCalPERS.
Watch for AI-Generated Content
Artificial intelligence (AI) tools are making it easier for realistic-looking videos, images, and written content to appear online. While some AI content is harmless, other posts may spread confusion or misinformation about retirement systems like CalPERS.
Some warning signs may include:
- Videos or thumbnails with exaggerated claims or alarming headlines.
- Images that look overly polished or slightly unrealistic.
- Suspiciously long captions that seem repetitive, generic, or overly formulaic.
- Content that claims to contain insider information or reveal “bombshells.”
Just because content looks professional and polished does not mean it is accurate.
If something appears misleading, overly dramatic, or seems designed to create fear or urgency, it probably is, and it’s worth verifying the information through official sources.
One last thing: Be cautious of AI-generated summaries or chat bots that claim to provide accurate and up-to-date information on CalPERS-related matters. These tools often pull information together quickly from across the internet, and the results may be incomplete, outdated, or lacking context.
Be Mindful of ‘Financial Advice’ Content
Many social media creators discuss retirement systems, pensions, and investing online. Some may present themselves as experts on CalPERS benefits while using videos and posts to promote their own financial services or businesses.
That doesn’t mean their information is wrong, but it’s important to understand their motivation. Be wary of creators who:
- Use fear-based messaging.
- Claim your retirement is at risk without evidence.
- Promise guaranteed financial outcomes.
- Encourage immediate action.
- Push viewers toward paid consultations, seminars, or investment products.
Remember: your retirement situation is unique. Generalized advice from social media may not apply to your specific benefits or financial goals.
If you do feel you need financial advice, consider seeking out a trusted financial advisor and consulting with your loved ones before making important financial decisions.
Pause Before Sharing Personal Information
Social media scams often target people by gathering small pieces of personal information over time.
Avoid publicly sharing:
- Retirement account details
- Benefit information
- Birthdates
- Home addresses
- Phone numbers
- Travel plans or extended absences from home
Even seemingly harmless information can be used to impersonate you or attempt fraud. When discussing retirement topics online, keep conversations general and only use secure, official CalPERS channels for any account-specific questions or personal information.
Stay Connected with Official CalPERS Information
One of the best ways to stay informed is by following official CalPERS communication channels directly, including our social media platforms.
If you have questions about something you’ve seen online related to CalPERS, contact us directly before acting on it.