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The SmartLog Investment Plans.

As we indicated in our “First Thoughts” article (that you can read here), SmartLog has four investment plans.  Basically, you are investing in the shipment of “lots” of merchandise by truck, rail, air, or ocean.  You make your investments during a window of time a number of days before the merchandise ships.  After it ships, you start earning money on your investment.  So, in the website, you may see certain shipping options that are “active” and where you can invest, others where the shipment is “on the way,” and, finally a listing of shipments that are complete and which would be in the “archive.”  As I write this, Truck and Rail are active, while Air has a shipment that is on the way.  It looks like nothing is happening yet with Ocean transport.  Following is the summary information for each of the three operational plans as it appears in the website.  I am not certain whether or not this information will change with each lot.  My guess is that, if it does change, it will not be by much.

Truck Plan  (Payments every week. The deposit is included in weekly payments.)

  • Term of the contract 8 Periods (56 days)
  • Charging 1 time in 7 day(s)
  • Deposit Included in payments
  • Max. Purchase amount $30,000
  • Min. Purchase amount $10
  • Total profit of the lot 15.2%
  • Number of periods 8
  • Profit for the period 1.90%
  • Early withdrawal Is impossible
  • Reinvest not available

Rail Plan  (Daily payments. The deposit is paid at the end of the lot.)

  • Term of the contract 110 Periods (110 days)
  • Charging 1 time in 1 day(s)
  • Deposit Upon termination
  • Max. Purchase amount $50,000
  • Min. Purchase amount $10
  • Total profit of the lot 133%
  • Number of periods 110
  • Profit for the period 0.30%
  • Early withdrawal Is impossible
  • Reinvest not available

Air Plan  (Daily payments. The deposit is included in daily payments.)

  • Term of the contract 90 Periods (90 days)
  • Charging 1 time in 1 day(s)
  • Deposit Included in payments
  • Max. Purchase amount $40,000
  • Min. Purchase amount $10
  • Total profit of the lot 126%
  • Number of periods 90
  • Profit for the period 1.40%
  • Early withdrawal Is impossible
  • Reinvest not available

Analysis of the SmartLog Investment Plans.

First, let’s take a closer look at the Truck Plan.  First of all, there appears to be an error in the listing of the plan.  To the left of the table given above, it states that the interest is 1.90% per day.  This is incorrect.  The table gives it as 1.90% for the period, the period being seven days (one week).  If you multiply this weekly interest by eight, the number of periods in the plan, you get a total net interest for the plan of 15.2% which checks with what is given in the table.  The website also indicates that the deposit is returned to you in the weekly payments.  This is the first time I have seen such an arrangement and I am assuming it means that the deposit will be divided up into eight parts and one part — 12.5% — will be returned to you along with your 1.9% weekly interest.  So, your gross return per week will be 14.4% (12.5 + 1.9).  For the total of eight weeks, you will receive a total gross return of 115.2%.  Subtracting 100% from this because it includes your deposit, you come back to the total net return of 15.2%.

Since you make a net profit of 1.90% per week, you will be earning the equivalent of a daily net interest (DNI) of 0.27% (1.90/7).  This might be one of the lowest DNIs that I have seen offered by an HYIP.  It is certainly conservative and it should help the program to survive in the long term.  More typically, DNIs are in the neighborhood of 1% to 2%.  In an article in HYIP Insights #12 (that you can read here), we suggest that a DNI less than 1% is “low” and a DNI greater than 2% is “high.”

The Rail Plan is a little bit easier to follow.  This plan simply pays you 0.30% per day for 110 days and returns your principal at the conclusion of the plan (I think that’s a much simpler presentation of the plan than what you read in the table!).  So, since your deposit is being returned to you at the end of the plan, the 0.30% that you receive is pure profit — your DNI.  Comparing this DNI with the DNI of 0.27% for the Truck Plan, you can see that they are very very close.

The Air Plan is also easy to follow.  It pays you 1.40% per day for a 90 day investment period.  Your principal is included in this return.  So, after 90 days, you earn a total gross interest of 126% (1.4 x 90) or, subtracting 100% because your principal is included in this, a total net interest of 26%.  Distributing this over the 90 day investment period, this is equivalent to earning a level daily net interest (DNI) of 0.29% (26/90).  This is very close to the DNIs of the Truck (0.27%) and Rail (0.30%) Plans.  In fact, from the point of view of profitability, the three plans are almost the same.

Because the DNIs of the three investment plans are essentially the same, you have to look at factors OTHER THAN the money you can potentially earn in order to decide which is the best plan.  This is the first time I have ever seen an HYIP that offers three programs having almost identical money-making potential.  Usually, when deciding on which of a number of HYIPs to invest in, you weigh increased money-making potential against increased risk.  In the case of the SmartLog investment plans, since risk is the only factor involved, whatever plan is the least risky would appear to be the best plan.

And, as far as HYIPs are concerned, the program that returns your initial investment to you as quickly as possible is the least risky.  Not breaking even before a program crashes is the single thing that is on the mind of the online investor when he makes a deposit with an HYIP.  So, let’s see how the three SmartLog investment plans compare from this point of view.  We’ll do that in Part 2 of this review which should be in your hands tomorrow…

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