Discussion.

Let’s begin our discussion of the four Deseacatch investment plans by repeating the basic information about them as well as what we found out about them in Part 1 of this review:

  • Oyster Plan
  • 107% after 10 days
  • $20 – $250
  • Principal included
  • Octopus Plan
  • 1.4% daily for 15 days
  • $20 – $500
  • Principal returned
  • Royal Crab Plan
  • 1.8% daily for 25 days
  • $20 – $2,000
  • Principal returned
  • Lobster plan
  • 2.2% daily for 35 days
  • $20 – $20,000
  • Principal returned

In our analysis of the investment plans, we first determined that none of them will break even until a person’s investment is returned to them at the end of a plan.  However, for the three plans that pay a daily interest, we also found out that the investor will at least recover a portion of his investment before the end of a plan as follows:

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

We also determined the following values for DNI for each of the investment plans:

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

Deseacatch offers two TYPES of investment plans.  The Oyster Plan is a one-shot deal and the investor doesn’t receive any return at all until the end of the plan.  Theoretically, this is the worst type of investment plan as both the investor’s deposit and earnings are at risk until the plan ends.  Although this can be a severe problem in “After” plans of this type that have very long terms, in this case it is not as serious because the plan is only 10 days — long which is not an excessively long time.  The other three investment plans hold your deposit until the end of the plan and, because of this, they are risky.  In this regard, the longer the plan, the greater the risk becomes.  So, the higher interest plans that have the longer terms would appear to be the riskiest.  However, these higher interests enable the investor to recover a greater part of his deposit before the end of the plan.  This might compensate for the fact that higher interest plans are longer in duration.

As we indicated in Part 1 of the review, a nice thing about these investment plans is that the minimum investment for all of them is the same, a low $20.  So, your decision as to the plan you will choose pretty much depends on the length of time you are willing to risk your money.  If you would like to invest a LOT of money but don’t want to use a plan that has a high upper limit for investment, you can always make multiple deposits in a shorter-term lower interest plan.  For example, if you are a brave investor and have $1,000 to invest but do not want to tie it up for 25 days in the Royal Crab Plan, you can make two deposits of $500 each in the lower interest Octopus Plan that only runs for 15 days.

Now, let’s take a look at the DNIs for the four interest plans.  In the article in HYIP Insights #12, we went into a detailed discussion of what we felt were sensible DNIs for online HYIPs.  Our ultimate suggestions were:

  • DNI less that 1% — program likely to survive in the long term
  • DNY between 1% and 2% — fate of program uncertain
  • DNI greater than 2% — program unlikely to survive in the long term 

In general, the DNIs of the Deseacatch investment plans are between 1% and 2%, with the Oyster Plan having a DNI slightly less than 1% and the Lobster Plan having a DNI slightly greater than 2%.  It almost appears that the folks at Deseacatch designed their investment plan offerings such that they would be in a “middle ground” in-so-far-as our suggestions are concerned.  So, based on the three alternatives above, it would be hard for us to make a prediction as to the survivability of the program.  A lot might depend on how well the administrators manage things. 

As far as profitability is concerned, for a middle value of DNI roughly equal to 1.5%, you come up with an average weekly net interest of a little more than 10%.  That should keep most investors happy.  Of course, the Lobster Plan promises a DNI of 2.2% which works out to a weekly net interest of around 15%.  That’s serious profit — in my book…

Earnings Example.

OK, let’s assume that we have $500 that we’re willing to risk for 25 days.  That means we would probably put it into the Royal Crab Program.  Let’s see what will happen.  Every day we will receive a return of 1.8%, or $9 (.018 x 500).  By the end of the investment plan, we would have received a total return of 25 times this or $225.  This is 45% (225/500 x 100) of your $500 investment.  And, when the plan ends, your $500 investment will be returned to you.  So, you can say that the $225 you received from your daily interest payments is your net profit. 

Conclusions.

Deseacatch offers four investment plans.  The shortest-term plan is 10 days long and pays a one-shot return at its conclusion.  The other three plans pay a daily return and also return your investment at the end of a plan.  Net profits from the investment plans are good, but not insanely high.  So, it would appear that with wise management practices, the program should have a decent chance of long-term survival.  The minimum investments for all the investment plans are a low $20.  This program will probably appeal to a wide variety of investors.     

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