Analysis of the Business Day Investment Plans.

In Part 1 of this review, we took a look at how the Investellect calendar day investment plans work.  Now let’s look at the business day plans.

Referring back to the listing of all the six investment plans offered by Investellect in the first Part of this review, let’s take a look at the Intelligent Accumulation 2 plan.   We’ll look at this plan first because, as we already mentioned, it is the only one of the Business Day plans that has a minimum investment that is affordable to the typical HYIP investor.  This minimum is $200 — which happens to be quite a bit less than the minimum for the Professional Daily plan.  So, we will also compare these two plans after we analyze the Intelligent Accumulation 2 plan by itself.  The Intelligent Accumulation 2 plan pays you a total GROSS  return of 1,700% after 120 business days.  Let’s first convert that to calendar days.  One way to do it is to realize that there are seven calendar days for each five business days.  So, the number of calendar days is 168 days (120/5 x 7) for this plan.  Since your principal is returned as part of your earnings, your total NET return will be 1,600% (1,700 – 100).  If you average this out over the 168 day period, your average daily net interest (DNI) will be 9.52% (1600/168).  This is EXTREMELY high and it is questionable whether any HYIP can afford to sustain such a high return.  Since this is all paid at the END of an investment term, one might wonder if he will get ANY return at all.  Comparing this to the DNI of 1.4% for the Professional Daily plan, we see that there is no comparison.  From the point of view of dollars and cents, the only way to go would be with the Intelligent Accumulation 2 plan.  However, the catch is that it will take you over five months to get ANY return at all from this plan.  That’s a LOT of nail biting.

OK, let’s put some dollars and cents on this.  This time we’ll invest our $1,000 with this program.  The calculation is simple.  Since it pays 1,700% after 168 calendar days, our total GROSS return will be $17,000 (17 x 1,000).  Subtracting your investment of $1,000, your total profit will be $16,000 which, again, is EXTRMELY high.

Let’s also take a look at the Intelligent Accumulation 1 plan even though the minimum investment of $7,000 will be off the chart for most investors.  This plan pays you a total GROSS return of 600% after 60 days.  The total NET return would, of course be 100% less than this or 500%.  Like for the previous investment plan, converting the 60 business days to calendar days, we get 84 (60/5 x 7) days.  So, the average daily net interest (or DNI) would be 5.95% (500/84).  This isn’t as crazy as the DNI of 9.52% for the Intelligent Accumulation 2 plan.  But, it is still very very high and it would again be unlikely that this plan would be sustainable.

Let’s assume that we invest the minimum of $7,000 in this plan ans see what will happen.  Well, it is easy to get the final result.  The GROSS return that you would receive will be six times your investment or $42,000 (6 x 7,000).  If you subtract your investment of $7,000, your total NET profit will come to $35,000.   Almost three months of nail biting before you get ANY return at all from your investment.

I will not bother to do calculations for the two VIP plans because the minimum investments required are so far out of reach of the typical HYIP investor.

Other Features of the Investellect Investment Program.

Investellect uses the following payment processors: Perfect Money, Payeer, Bitcoin, Payza, and AdvCash.  Apparently, withdrawals are manual and can take up to 48 hours to reach your e-currency account.  We hope this is a high conservative figure to protect the company when, for some reason, it might experience problems fulfilling withdrawal requests more quickly.

Investellect has a fairly good referral program that pays 8% – 2% – 1% – 1% of deposits made by the first four levels of the investor’s downline.  According to a recent news release, these commissions can go up to 12% – 2% – 1% – 1% for investors who are diligent in attracting more folks into the program.  Right now, I can’t find the specific requirements that an investor has to fulfill in order to take advantage of these higher commission rates.

Support from Investellect seems to be more than satisfactory.  There is the standard support request form as well as an email address that you can write to.  In addition, and perhaps most important, there appears to be live chat.  I tested the chat feature at what was probably very early in the morning UK time and did get a partial response to the question I asked.  I suspect that the level of the person handling the chat feature at that time was not the best.

In closing, Investellect offers two calendar day investment plans that offer sensible returns both for the investor and also from the point of view of the company being able to sustain payments in the long run.  Unfortunately, while the business day programs are potentially very lucrative, the interest rates they promise seem unrealistically high, so high that it would seem improbable that the company can sustain them.  Of course, we would like to be proven wrong on this.  So, the conservative investor might be interested in the calendar day investment plans offered by Investellect while the more adventuresome investor might find the business day plans more attractive.  However, we must remind investors that, if a company closes because it can’t afford to make payments required by a high interest program, ALL investment plans end when the company closes.  As usual, due your due diligence before making an investment and always try to obey our two cardinal investment rules for working with HYIPs.  First: diversify.  Second: never invest more than you can afford to lose.  Good Luck!

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