This program moved to CLOSED status! Do not invest there!

Investment Plans.

In our “First Thoughts” article on LigaTraders (that you can read here) we promised you an in-depth look at the investment plans that they offer.  Let’s do that now.

The conditions of the investment plans are all neatly spelled out on the home page of the LigaTraders website.  All of the plans accrue earnings on a daily basis and you can withdraw them at any time (assuming you are above the minimum withdrawal amount).  I’ll repeat the website information here:

Start investment plan
1% for 15 days
$10 – $88
Return of deposit at end investment term

Lite investment plan
1.3% for 30 days
$30 – $888
Return of deposit at end investment term

Medium investment plan
3.88% for 45 days
$50 – $8888
Deposit included

Large investment plan
3.66% for 60 days
$70 – $8888
Deposit included

Taking a broad look at the investment plans, a number of things might hit you:

  • The minimum investments are all very reasonable.  So, pretty much ALL investors will have access to ALL the investment plans.  This is a refreshing change from the typical procedure used by many HYIPs where the higher interest plans can sometimes require obscenely high minimum investments (We published an article about this in HYIP Insights #14 that you can read here.).
  • The minimum investments for the four plans increase in a very orderly manner.  Each is $20 higher than the one before it.
  • Curiously, all the maximum permissible investments use multiples of the digit “8.”  I can’t think of any reason for this.  For some people, numbers comprised of the digits “8” have spiritual significance.  Perhaps someday the Admin of the program will enlighten us as to the significance of these choices for maximum investments.
  • Two of the investment plans return your investment at the end of the investment term while two return it as part of your interest earnings.  Generally speaking, we favor the return of a person’s investment as part of his earnings as there is less risk of losing your investment if a program closes prematurely.  However, let’s analyze the investment plans more closely before we draw any conclusions.

Analysis of Investment Plans that Return Your Deposit at the End of the Plan.

Both the Start and the Lite investment plans hold your deposit until the end of the plan.  Fortunately, the terms of these plans are relatively short (15 and 30 days, respectively).  So, there isn’t too much nail-biting waiting for a plan to end in order to get your deposit back.  Let’s take a look at the Start plan first.  It pays you 1% per day for 15 days.  So, the total return by the end of the 15 day period is simply 15%.  Since your principal is returned to you, this 15% represents pure profit (assuming the program survives the 15 days).  So, we can say that the daily net interest — or DNI — for this investment plan is 1%.

For the Lite plan, the interest is 1.3% for 30 days.  So, by the end of the 30 day period, you would have earned a total of 39%.  Again, assuming the program runs for the full 30 days, the 1.3% per day is pure profit or daily net interest.  So, for this investment plan, we have a DNI of 1.3%.

Referring to HYIP Insights #12 (that you can read here), we suggested that investment plans having DNIs of 1% or lower have a good chance of surviving in the long term.  The DNIs of these plans are in this neighborhood.  So, they might be about as safe as you can expect in the way of an HYIP investment platform — at least from a technical point of view.

OK, let’s work a few numerical examples to see how much you would earn by investing in these two investment plans.  For example, if you put $50 into the Start plan, you would receive 1% of this or $0.50 (.01 x 50) as daily interest earnings.  By the end of the 15 day investment term, you would have received total interest earnings of $7.50 (15 x .5).  At the end of the investment term your $50 deposit would also be returned to you.  Now, let’s suppose you put $100 into the Lite plan.  Every day for 30 days you would receive 1.3% of this or $1.30 (100 x .013).  By the end of the 30 day investment term, you would have received a total of $39 (30 x 1.30).  Again, at the end of the investment term, your deposit of $100 would also be returned to you.  Once again, for both these plans, you can see that you will not come out ahead (break even) until the end of the investment plan.

In part 2 of this review, we’ll take a look at the two LigaTraders investment plans that return your deposit as part of your earnings.  Please stand by.

*********************************

If one of the paying programs on our Monitor appeals to you, please support Emily News by registering for it on our website. Thanks very very much!

*********************************

Be the first to get most important HYIP news everyday!
Simply Follow EN Facebook, EN Telegram, EN Twitter
or Subscribe to EN Feedburner and submit your email address!

If you like this article, please share it by using the social media buttons below.