The NobleDDos Investment Plans.
In our “First Thoughts” article about NobleDDos, we pointed out that they offer four investment plans and that, at first glance, they appeared to make good sense. Let’s take a closer look at them now and see if this initial assessment is on the money or not.
The NobleDDos investment plans fall into two groups of two plans. The two plans in the first group are 15 days long and return both your deposit and interest earnings as a lump sum at the end of the plan. The two plans in the second group are 30 days long (exactly twice as long as the first group) and pay your interest earnings on a daily basis. Your deposit is returned as part of these earnings. Here is the website info on the four investment plans:
Group 1. Deposit and earnings returned at end of plan
120% after 15 days
$10 – $999
130% after 15 days
$1,000 – $10,000
Group 2. Earnings paid daily. Deposit included with earnings.
4.5% daily for 30 days
$10 – $999
5% daily for 30 days
$1,000 – $10,000
Analysis of the Investment Plans.
Let’s look at the plans in Group 1 first. Since you don’t receive any return until a plan ends, it should be obvious that that’s when you will break even. In the SYN plan, since your total gross earnings are 120%, subtracting 100%, you get total net earnings of 20%. Averaging this out over the length of the plan by dividing by 15, you get a daily net interest, or DNI, of 1.33%. In a similar way, you could get a DNI of 2.00% for the UDP plan.
Next, let’s look at the Group 2 plans. First, we’ll determine when they each break even. That’s very easy; you simply divide 100% by the gross daily interest that the plan pays you. For the ICMP plan this comes to 23 days (100/4.5). For the TCP plan you would get that it breaks even in 20 days.
Next, let’s determine the DNI for each of these plans. For the ICMP plan, you determine the total GROSS interest you receive by multiplying the daily gross interest by the number of days in the plan. The result is 135%. Subtracting 100% because this includes your principal, you get a total NET interest of 35%. Finally, averaging this out aver the 30-day length of the plan, you get a DNI of 1.17% (35/30). In the same way, you could get a DNI of 1.67% for the TCP plan.
Summarizing these results, we have:
DNI = 1.33%
Break even after 15 days (at end of plan)
DNI = 2.00%
Break even after 15 days (at end of plan)
DNI = 1.17%
Break even after 23 days
DNI = 1.67%
Break even after 20 days
First let’s take a look at the values we came up with for DNI. From this point of view, it almost looks like the Admin of this program was looking at our recommendations from the article in HYIP Insights #12 when he put these plans together! In the article we suggested that programs offering investment plans with DNIs between 1% and 2% are in a gray area for which it is difficult to predict how well the program would survive in the long term. Programs with plans having DNIs less than 1% have a high chance of long term survivability but, of course, are the least profitable. On the other hand, programs with plans having DNIs greater than 2% would be the most profitable but have the least chance of long-term survivability. So, the NobleDDos investment plans are sort of in a “sweet spot” where profitability is satisfactory and where, with good management of the program, there is a decent probability for long term survival of the program. Of course, I must again emphasize that these “key values” for DNI are just are OPINION; they are not hard and fast rules. However, they are at least a good starting point for discussion of both profitability and survivability of investment plans and their overall programs.
Comparing the DNIs of plans in one group with the DNIs of plans in the other, you will very quickly see — once again — that a good deal of thought went into the design of these investment plans. Comparing the first plans in each of the two groups because they have the same investment limits and will therefore be of interest to the same groups of investors, we see that the SYN plan of Group 1 has a higher DNI that the ICMP plan of Group 2. However, on the other hand, in the SYN plan, you don’t receive any earnings or return of your deposit until the plan ends after 15 days. In the ICMP plan, you are recovering your deposit at the rate of 4.5% per day — which is quite significant. So, the investor must choose between a more profitable program that forces you to bite your nails for 15 days before you see any earnings at all and a less profitable plan that permits you to begin to recover your deposit from day one.
Let’s try to put some numbers on this. The SYN plan has a DNI of 1.33% while the ICMP plan has a DNI of 1.17%. In a 30-day period, for an investment of $100, the SYN plan would pay you $40 profit (.0133 x 30 x 100). On the other hand, the ICMP plan would pay you around $35 (.0117 x 30 x 100). So, the question is: are the additional earnings provided by the investment plans in Group 1 worth the risk of not seeing any return until the end of the investment cycle? The answer to this question is a matter of taste. The risk taker will probably opt for the plans in Group 1 while the more conservative investor will probably opt for the plans in Group 2.
In this comparison, you probably noticed that the plan in Group 1 would cycle TWICE in order for us to come up with an investment period of 30 days (the plan is only 15 days long) like the plan in Group 2. So, comparing investment plans from the two groups side by side, a point in favor of the more profitable Group 1 plan would be that you WILL receive earnings plus principal after the first 15 days. Then you would have to invest your deposit again in order to come to the total of 30 days — the length of the Group 2 plan.
And, this brings to mind another detail in the comparison that might be worth thinking about. Thinking about the Group 1 investment, if you simply reinvest your deposit after 15 days, you will receive the earnings predicted above. However, if after 15 days, you reinvest your deposit and ALSO invest your earnings for the first 15 day period, you wind up COMPOUNDING your investment and would earn considerably more. Going way back to the first chart where we listed the programs, it was noted that you receive a gross interest of 120% after 15 days or a net of 20%. So, as you probably knew, for our $100 investment, your net earnings for the 15-day period would be $20. Now, suppose that instead of reinvesting just the $100, you invest the $120. Then, after the next 15 days you will receive a net profit of 20% of that amount or $24 (.2 x 120) instead of $20. Therefore, with this compounding, your total earnings for the 30-day period would be $44 (20 + 24) instead of $40. This is a little something else in favor of the Group 1 plans.
If you favored the Group 1 plans to begin with, this will sweeten the pot for you. If you favored the Group 2 plans, your decision of which group to choose might have gotten harder!
Just like this discussion, we could also compare the Group 1 and Group 2 plans for investment levels between $1,000 and $10,000. The pros and cons would be just the same. So, I am not going to go through any numbers for those plans.
NobleDDos offers four very well-thought-out investment plans. They provide attractive returns while still remaining within sensible investment limits. Two of the investment plans pay your earnings and return your deposit at the end of the plan. Two include your deposit along with daily earnings. The plans that return your deposit at the end of the investment term are slightly more profitable but they have the risk that the investor will not receive any return until the end of the investment term. The plans that include your deposit with your daily return are slightly less profitable but have less risk because the investor is recovering his investment on a daily basis. Given that the differences in earnings between the two different types of investment plans are not very great, the decision as to which type of investment plan to use is probably a matter of the investor’s taste in investment programs more than anything else.
We hope that this information is helpful to you as you try to make a decision as to which HYIP programs to invest in. Good Luck!
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