A Complete Revision!
I don’t know when this happened. However, I just looked over the Buratos (reviewed here) website and I was a little bit surprised as the investment plans didn’t quite look like I remember them. So, I pulled out our review of the program which was in October of last year and discovered that some BIG changes had been made. I have no idea when this happened. However, in case you also missed this, the purpose of this News Commentary is to bring you up to speed on what has happened.
Probably the best place to start would be to recall what the original Buratos investment plans looked like. With that in mind, I’m going to copy some of what I wrote about them in our review last year.
Buratos Investment Plans.
Buratos offers three investment plans. They all run for a full year and your deposit is included along with your daily earnings. Here is the summary information provided for each of the plans:
Plan 1
0.75% per day
$25 – $500Plan 2
0.86% per day
$501 – $1,000Plan 3
1.04%/day
$1,001 – $3,000There are a few interesting things about these investment plans. First of all, I love their names! They couldn’t be simpler. No gold, silver, VIP, etc. plans or anything like that. Just plain old numbers! Next, the minimum investments to utilize the plans are all very reasonable. They do increase as the rate of return increases. But, Plan 3, with the highest rate of return, only has a minimum investment of $1,000 which is probably within the reach of most serious online investors. Related to this, the maximum investment for Plan 3 is a mere $3,000. The admin of this program is definitely NOT looking to catch a big fish. I obviously like this approach and it by no means stops you from investing a larger amount. You simply make multiple deposits. I feel that more programs should take this approach. It is a very realistic one for the online investor.
Analysis of the Buratos Investment Plans.
Let’s take a closer look at Plan 1. For a daily return of 0.75%, the total gross return for the one year investment period will be 274%. Since this includes your original deposit, you must subtract 100% to get your total net return which would be 174%. Dividing his by 365 days you get an effective daily net interest (DNI) of 0.48% (105/365). You get the number of days for the plan to break even by dividing 100% by the gross daily interest paid or 134 days (100/.75). You can easily make the same calculations for the other two investment plans to come up with the following results:
Plan 1
Total gross profit = 274%
Total net profit = 174%
DNI = 0.48%
Days to break even = 134Plan 2
Total gross profit = 314%
Total net profit = 214%
DNI = 0.59%
Days to break even = 117Plan 3
Total gross profit = 380%
Total net profit = 280%
DNI = 0.77%
Days to break even = 97You will recall that many times we referred to HYIP Insights #12 (that you can read here) where we suggested that investment plans with DNIs less than 1% are more apt to be sustainable in the long term. All of these plans fall into this range so that the overall program has a high probability of long term success. Often times an HYIP will have a number of investment plans with low DNIs such as these but also plans with high ones. The high ones, of course, could create payment problems for the program and hence it could be forced to close — even though it also had a number of programs with lower DNIs that might have given a person the impression that the overall program would be sustainable. Fortunately, in many of these situations, the minimum deposit required to take advantage of these high interest investment plans is often very high so that they might not even be used at all! But, this discussion is irrelevant to Buratos as all of its investment plans have sensible DNIs and, as we already indicated, the minimum investment requirement for all the investment plans is within the reach of almost everyone.
The new Buratos investment plans have the same minimum and maximum investment amounts and also offer the same interest rates as the old plans. So, if you look at the info on the plans that is given in the website, you might not realize that anything has changed — because the numbers are all the same. However, two HUGE changes have been made:
- The plans now return your principal at the end of the investment term rather return it as part of your earnings.
- The plans are only 100 days rather than a year long.
Again, these are HUGE changes. Since the daily interest paid is just the same, you make the same daily earnings as before. However, since your deposit is returned at the END of the investment term, you might think of it as a new BONUS that has been added to the program. And, on top of this, the plan is a lot shorter. One hundred days is still a long time. But, it’s a lot less than a year.
Let’s see how these changes influence the profitability of the three investment plans. We do this by taking a look at the daily net interest or pure profit that a plan offers. At Emily News, we refer to this as the DNI of the investment plan. Well, since your principal is now returned to you at the end of the investment plans, the daily interest that you are paid IS pure profit (DNI) — assuming that the program doesn’t close before the end of the investment plan. So, to put numbers on this, the DNIs of the investment plans are the given interest rates which are:
Plan #1. DNI = 0.75%
Plan #2. DNI = 0.86%
Plan #3. DNI = 1.04%
These are all higher than the DNIs for the previous plans. So, you earn a significantly greater amount of profit with these new investment plans. If you subtract the old DNIs from these new values, you will find that, in all three cases, the DNI has increased by 0.27%. Doesn’t sound like a lot? After 100 days, that is an increase in profit of 27% which is VERY significant. It is important to note that, even though the DNIs have increased, they are still within the range of DNIs that we feel are characteristic of investment plans that will enable the overall program to be a long-term survivor. As we pointed out in the original review, if a program offers investment plans having DNIs that are less than 1%, we feel that it will have a good chance of being around for a long time. Programs with investment plans having DNIs over 2% are the ones that we worry about. So, the range of DNIs for the new Buratos investment plans are right on the money — about as high as you want to go without the need for serious concern.
It is worth noting that the days for these new investment plans to break even will not change as this only depends on the daily interest that is paid (which has not changed). Remember that you determine break even point by dividing 100% by the daily interest. Just to repeat, the days to break even for the three investment plans are:
Plan #1. 134 days
Plan #2. 117 days
Plan #3. 97 days
Since the number of days to break even in the first two plans are greater than the length of the plans (100 days), you won’t break even until your principal is returned at the end of the plan. This is essentially the case in Plan #3 too because you won’t break even until three days before the end of the investment plan.
This Commentary is essentially a “review” of the new Buratos investment plans. I think the changes that have been made are an improvement. While the old investment plans were very conservative and therefore safe as far as survivability of the program is concerned, they might have been TOO conservative to attract investors. Shortening the term and increasing the profitability should attract more interest to the program. Fortunately, the changes that have been made still result in investment plans that are sensible. Buratos is a “sleeper” type of program. You don’t hear much news from the Admin. However, it keeps chugging along. Let’s see if these changes will increase the popularity of the Buratos program…
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