Analysis of the Investment Plans (continued)

In Part 1 of this review (that you can read here), we began an analysis of the three investment plans offered by Roly Investment.  Let’s finish it up with a few remaining points about these plans.

To tie things together, let’s do a calculation with dollars and cents.  Suppose we invest $200 in the Standard plan, which is well within the investment limits of the plan.  Every month the plan will pay you around 23% of this or $46 (.23 x 200).  By the end of the year you would have received 12 such payments to give you a total of around $552 (12 x 46).  In addition, you would receive your deposit of $200 back at the end of the plan.  Of course, you could have used the total net interest of 276% that we determined a while ago to get the same result by simply multiplying it by the $200 investment (2.76 x 200 = 552).

As I indicated earlier, when you make a deposit with Roly Investment, the size of the deposit determines which investment plan it will be placed in.  You don’t choose the investment plan at all.  So, also to repeat, Roly Investment really only has one investment plan.  There is nothing at all wrong with this.  In fact, it is a simple and logical method of doing things.  Generally speaking, if something is simple, I will vote for it.  My only complaint about these investment plans is that the minimum investments to take advantage of the more profitable plans are very high.  In fact, the minimum for the Roly plan of 5 BTC is very high.  Assuming that 1 Bitcoin = $4,000, this comes to a minimum investment of $20,000!  Very few people will invest this much money in an HYIP.  So, you might rightly ask why such an investment plan is offered at all.

On the other hand, the minimum investment for the Standard plan is only .001 Bitcoin.  This is around $4 which is certainly within anyone’s reach.

Other Features of Roly Investment.

All transactions with Roly Investment are in Bitcoin.  Withdrawals are processed on Mondays, Wednesdays, and Fridays — which implies that they are handled manually.  The website indicates that it can take up to three days for confirmations of the withdrawal transaction to be made.  So, if, for example, you request a withdrawal on a Tuesday, it will be processed on Wednesday and it might take three more days before your money gets to you.  For this case, that would bring you to a Saturday.  I’m not sure how the weekend would factor into this.  My feeling is that, given the slow start-up time by Roly Investment and the possibility of slow processing with Bitcoin transaction confirmations, the entire process could take the better part of a week — especially if a weekend comes into the picture.

Roly Investment refers to its affiliate program as its “Career” program.  Perhaps this is done with the hope of getting aggressive recruiters involved with the program who would literally like to make a career out of it.  The income generating potential of the Career program is certainly large enough, so that this is a real possibility.  However, the requirements in order to earn some of the large commissions that are offered seem prohibitively hard to meet.  The Career program has a full eight divisions.  The first (lowest) division pays 7% on deposits on a person’s first level, 1% for deposits on the second and 1% for deposits on the third.  There is no personal investment requirement in order to participate in this division of the Roly Investment Career program.  The next two divisions require a personal investment of 0.05 BTC or around $200 plus “sales” which I suspect are the investments of people in your downline.  For the second division, the sales requirement is 2.5 BTC while for the third division it is 10 BTC.  So, the requirements to qualify for the benefits of these divisions quickly increase.  At the extreme is the eighth division that requires a personal investment of 50 BTC (over $200,000) and sales of 3,000 BTC (over $12,000,000).  That is a VERY serious career!

Support is by means of the standard contact form in addition to an “info” email address.  There is also a chat feature that wasn’t online at the time I reviewed the program.  An interesting addition is the names of the administrative team of Roly Investment along with email addresses where they can be contacted.

In closing, Roly Investment offers three long term investment plans having interest rates that appear to have been selected for long term sustainability of the program.  While the lowest interest investment plan is affordable to anyone, the other two higher interest plans require such high minimum investments that very few investors will be able to take advantage of them.  So, if you are looking for a conservative long term low yield investment program, Roly Investment might be what you are looking for.  If you do decide to invest with Roly Investment, as usual our advice is to diversify your portfolio by investing in a wide variety of programs.  And, never invest more than you can afford to lose.  Good Luck!

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