The Deseacatch Investment Plans.

In the “First Thoughts” article about Deseacatch that we published recently, we summarized the company’s four investment plans as follows:

For the online investor, Deseacatch offers four investment plans, each named after one of the seafood specialties that the company harvests.  The “Oyster” plan pays a one-shot 107% after 10 days.  The “Octopus,” “Royal Crab,” and “Lobster” plans pay daily interests of 1.4%, 1.8%, and 2.2%, respectively, on a daily basis and all return your deposit at the end of the plan.  They are 15, 25, and 35 days long, respectively.  The investment plans are all presented very clearly and my first impression is that they are lucrative, but within reason.  Surprisingly, the minimum investment for all the plans is the same, at $20.  So, you can choose the profit you would like to make depending on the length of time for which you would like to commit your investment. 

Here’s the same information in tabular form:

  • Oyster Plan
  • 107% after 10 days
  • Principal included
  • Octopus Plan
  • 1.4% daily for 15 days
  • Principal returned
  • Royal Crab Plan
  • 1.8% daily for 25 days
  • Principal returned
  • Lobster plan
  • 2.2% daily for 35 days
  • Principal returned

Remember that the minimum investment for all the plans is $20.

Analysis of the Deseacatch Investment Plans.

Let’s begin by determining when each of the investment plans breaks even.  The Oyster Plan is easy. Since you don’t receive anything until the plan ends after 10 days, that’s obviously when the plan breaks even.  Looking at the Octopus, Plan, if you divide 100% by the 1.4% daily return, you find that it would take 72 days for the plan to break even.  Since the plan is only 15 days long, it’s obvious that you won’t break even until your deposit is returned to you at the end of the plan.  In the 15-day period of the plan you will recover only 21% (1.4 x 15) of your investment.  The remaining two plans work the same way; you will only recover a fraction of your initial investment before the plan ends.  If you do the arithmetic, here’s the way all this would work out:

  • Plan                       Percent of Investment Recovered Before End of Plan
  • Octopus               21%
  • Royal Crab           45%
  • Lobster                 77%

Next, let’s determine the average daily net interest (DNI) that you will receive from each of the three Deseacatch investment plans.  This is equal to the total net interest that you receive averaged out over the number of days in the investment plan.  DNI is a very important quantity as it might be the best measure of both profitability and risk of an investment plan.  It is something that you can determine for any investment plan in any HYIP.  So, it provides a means of comparing plans from different HYIPs with one another.

For the Oyster Plan, the total net interest that you will earn will be 7%.  If you average this out over the 10-day length of the plan by dividing by 10, you get a DNI of 0.7%.  In the remaining three investment plans, since your investment if returned to you at the end of a plan, you can say that the daily net interest that you are paid is net profit, or DNI.  This, of course, assumes that a plan survives its full length and your investment is, indeed, returned to you.  But we’ll make that assumption. 

So, we have found out that none of the Deseacatch investment plans break even until they end.  Here are the values for DNI for each of the plans.  To repeat, the values for the last three plans are equal to the daily interest rates that the plans pay.

  • Plan                       DNI
  • Oyster                  0.7%
  • Octopus               1.4%
  • Royal Crab           1.8%
  • Lobster                 2.2%

We’ll discuss these results of our analysis in Part 2 of our review and hopefully come up with some conclusions that will be useful to the online investor.  Please stay tuned.  Part 2 of our review of the Deseacatch investment program will be available in a few days.

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