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Investellect Investment Plans.
In our brief “First Thoughts” news article about Investellect (that you can read here), we indicated that the company offers six different investment plans. Here is a brief summary of the plans as given in the Investellect website:
Standard Daily Plan
1.2% Daily for 60 Days
Minimum: $10
Maximum: $600
Principal: Back
Profit: Calendar Days
Professional Daily Plan
1.4% Daily for 120 Days
Minimum: $800
Maximum: $50,000
Principal: Back
Profit: Calendar Days
Intelligent Accumulation 1
600% after 60 Days
Minimum: $7,000
Maximum: $30,000
Principal: Included
Profit: Business Days
Intelligent Accumulation 2
1700% after 120 Days
Minimum: $200
Maximum: $25,000
Principal: Included
Profit: Business Days
VIP
320% after 18 Days
Minimum: $40,000
Maximum: $50,000
Principal: Included
Profit: Business Days
VIP+
960% after 38 Days
Minimum: $25,000
Maximum: $30,000
Principal: Included
Profit: Business Days
As you can see from the listing, the Standard Daily plan and the Professional Daily plan share a number of features while the other four programs, the two Intelligent Accumulation plans and the two VIP plans, share other features.
The Standard and Professional Daily plans share the following:
Pay interest daily.
Pay interest on calendar days.
Return your principal at the end of the investment term.
The Intelligent Accumulation and VIP plans share the following:
Pay entire interest earnings at the end of the investment term.
Credit interest earnings on business (rather than calendar) days.
Include your principal as part of your interest earnings.
First let’s take a look at the minimum and maximum investment limits for each of the different investment plans. This information is summarized below:
Standard Daily: $10 – $600
Professional Daily: $800 – $50,000
Intelligent Accumulation 1: $7,000 – $30,000
Intelligent Accumulation 2: $200 – $25,000
VIP: $40,000 – $50,000
VIP+: $25,000 – $30,000
Taking a quick look at these limits, it looks like the typical online investor will only be interested in the two Daily plans and the second Intelligent Accumulation plan. The minimum investments for the other plans are extremely high and one wonders why such investment plans are even offered. However, when we analyze other characteristics of the plans, perhaps the reasons will become apparent.
Analysis of the Calendar Day Investment plans.
With this as an introduction, let’s take a closer look at the two Daily plans. First of all, they fit nicely together with the minimum investment $800 for the second plan picking up where the $600 maximum of the first plan ends. The Standard plan pays 1.2% daily interest while the Professional plan pays 1.4%. Since both these plans return your principal at the end of the plan, these interest earnings are pure profit and are the daily NET interest that the plans pay you — the DNI. As we suggested in HYIP Insights Article #12 (that you can read here), investment plans with a DNI between 1% and 2% might be sustainable by the HYIP in the long run. So, these plans have the potential to be long term survivors.
Paying 1.2% per day, the Standard plan would break even in 84 days (100/1.2). Since the investment plan is 60 days long, which is shorter than this, you will not break even until you get your principal back at the end of the investment term. So, you have to bite your nails for the full 60 days — two months.
For the Professional plan paying 1.4% per day, you would break even in around 72 days (100/1.4), a little over two months. Since this plan runs for 120 days (four months), you will break even before the investment term is up. On top of that, you will receive your principal back at the end of the 120 day investment term.
Let’s put some dollars and cents on this and assume an investment of $500 in the Standard Daily plan. It pays you 1.2% interest daily or, in this case, $6 (.012 x 500). By the end of the 60 day investment term, you would have received a total of $360 (6 x 60) in interest earnings. This is your profit from the investment plan. You would also receive your principal — your deposit — of $500 back for a total gross return of $860. Note once again that, since $360 is less than your investment of $500, you would not break even before the end of the investment term. You would have to wait till you receive your deposit back in order to make a profit. So, it isn’t quite right when I initially referred to the $360 you will earn as “profit.” It only becomes profit AFTER you get your principal back.
Now let’s assume an investment of $1,000 into the Professional Daily plan. In this case, with a daily interest of 1.4%, you would receive a daily return of $14 (.014 x 1,000). For the entire 120 days, your daily interest earnings would total $1,680 (14 x 120). Again, this will be your profit as soon as you receive your investment of $1,000 back at the end of the investment plan. So your total gross return would be $2,680. Again, in this plan you would break even before the end of the investment term.
In Part 2 of this review we’ll take a look at how the business day plans offered by Investellect work. Please stand by…
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