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Discussion.
Let’s begin our discussion of the two Appco investment plans by repeating the basic information about them. Here it is:
- 24 Hour Plan
- 105% per day (4.375 per hour)
- $10 – $50,000
- Forever Plan
- 3% per day (0.125% per hour)
- $50 – $ 500,000
Let’s first note the fact that the minimum investment requirements for the two investment plans are very affordable. Anyone can afford the $10 minimum for the 24 Hour Plan and even the $50 minimum for the Forever Plan should be affordable by almost all online investors.
Second, it is important to note that both plans return your investment as part of your HOURLY earnings. This implies that the portion of your investment that is at risk is decreasing on a steady basis. For example, in the 24 Hour Plan, rounding things off a little, you recover one fourth of your investment in only six hours, one half of it in 12 hours, three fourths of it in 18 hours, and break even in 23 hours. So, the portion of your investment that is at risk is decreasing very quickly. Typically, in investment plans that are only one day long, no return is provided until the end of the investment plan. The 24 Hour Plan is very different from this as the nervous investor can withdraw his earnings every hour if he wants to greatly minimize his risk in case the program should close prematurely. In the case of the Forever Plan, returns are also on an hourly basis, but at a much lesser level. However, they can also be withdrawn on a regular basis and, to minimize risk, this is probably a good thing to do. Of course, in both cases, you have to wait until you have accrued the minimum withdrawal amount which appears to be $10 for cryptos and $1 for Payeer and Perfect Money.
The most important considerations for the online investor are probably profitability and risk. In the article in HYIP Insights #12, we suggested that the long-term survivability of programs offering investment plans having DNIs higher than 2% might be at risk. Looking at the 24 Hour Plan with a DNI of 5%, it would appear that this plan could put the survivability of the program at risk. The reason, of course, is very simple; it is more difficult for a program to pay a high return that a low one. The flip side f the coin is that such high-risk investment plans are also highly profitable. If you earn a profit of 5% in one day, that means, if you reinvested in this plan over a week’s time (seven days), your net profit would be 35%. Or, on a monthly basis, your net profit could be as much as 150%. In addition, Appco provides a small bonus (0.2%, I believe) to encourage people to reinvest with this program. This further sweetens the pot.
Looking now at the Forever Plan, let me first repeat the values for DNI that we determined in Part 1 of this review for different assumed lengths of the plan…
- Assumed length of plan DNI
- 60 days 1.33%
- 120 days 2.17%
- 180 days 2.44%
- 240 days 2.58%
- 300 days 2.67%
- 360 days 2.72%
Compared to the 24 Hour Plan, the net profit from this plan is quite low. After 120 days, you will be averaging 2.17% daily net profit which starts to put the program in the danger zone in-so-far-as our 2% suggestion is concerned. After that, as the months go by, the average daily net profit that you will earn from this plan gradually approaches 3%, the daily gross return. Of course, it will never quite get there. So, this investment plan is also very profitable and also risky — but not nearly as much so as the 24 Hour Plan. The value of DNI is really the whole story. It is a measure of both profitability and risk. As we have said many times, in HYIP world high profitability always goes along with high risk — and vice versa.
Now, let’s compare the two investment plans. We’ll forget about risk for now and think only about how the investor can earn the greatest amount of money from this program. Actually, there isn’t too much to discuss because the DNIs of the two investment plans are so far apart. With a DNI of between 2% and 3% for the Forever Plan (depending on how long the program survives), is there any reason for the investor choose this plan in favor of the 24 Hour Plan that has a DNI of 5%? I really can’t think of any. Aside from around twice as much net profit, the 24 Hour Plan is a whole lot less risky because you are recovering your investment in record time. I hate to say it, but I can’t see any reason that an investor would opt for the Forever Plan (unless he is trying to help the program survive for a longer period of time). Perhaps the best way to understand this is to work out a few numerical examples. That’s what we’ll do in the next section…
Earnings Examples.
I’ll assume that you are a serious investor and are committed to investing with the program for a three-month period. Somehow or other, you have determined that the program will survive this long. And, we’ll assume that it does. Remember that survival of three months (90 days) is a significant achievement in the HYIP business. We’ll assume that you have $500 to invest.
For the 24 Hour Plan, you will earn a net profit of 5% of your investment per day. This will come to a daily profit of $25 (.05 x 500). In the 90-day period, your total net profit will therefore be $2,250 (90 x 25). Remember that there is a small bonus of 0.2% that could be applied to your deposit is you reinvest. I really don’t recommend this. It is probably safer to withdraw your hourly earnings as frequently as possible to minimize loss in case the program closes prematurely.
For the Forever Plan, you will receive a gross return of 3% per day, or $15. In the 90-day period you will have received a total of $1,350 (9 x 15). At this time, you can also have 90% of your $500 investment returned, or $450 (.9 x 500), for a total gross return of $1,800 (1,350 + 450). Subtracting your initial investment of $500, your total net return will be $1,300 (1,800 – 5,00).
So, for the time period we have selected, the 24 Hour Plan will be $950 (2,250 – 1,800) more profitable — which is a LOT. For ANY time period that you select, the 24 Hour Plan will be more profitable. There is also less risk of losing your entire investment if the program closes prematurely when using the 24 Hour Plan since you are recovering 4.375% of your investment every hour. In the Forever Plan, your entire investment is always at risk. In short, and to repeat what I said above, there appears to be no reason to prefer the Forever Plan over the 24 Hor Plan from the point of view of profitability.
Conclusions.
Appco offers two very different investment plans. Both are very profitable, but one is much more profitable than the other. There is probably no reason to invest in the less profitable plan. However, the high profitability of the Appco investment plans probably puts the long-term survivability of the program at risk. This program will probably appeal most to the adventuresome investor.
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