This program moved to CLOSED! Do not invest there!

The Plenty-Oil Investment Plans.

In our “First Thoughts” article about Plenty-Oil that we published a few days ago, we made a few introductory comments about the company’s investment plans.  That’s a good place to start and I’ll repeat those comments here…

Plenty-Oil offers four investment plans.  All of them pay interest daily and all of them return your investment at the conclusion of the plan.  Interests vary from 3% to 5% per day and the terms of the plans vary from five to 25 days.  So, you could probably say that the terms of the plans range from short to medium.  In my mind, the area around 30 days (one month) is the border between short and long-term investment plans.  Of course, this is a matter of opinion.  One thing that caught my eye about these plans is that the minimum investments are all doable.  Specifically, the minimum investment for the 5% pan is only $150 — which a serious investor can definitely afford.  This is different from most investment programs where the highest interest investment plans will have such high minimum investments that they will be out of reach of 99.99% of investors.  When we review the Plenty-Oil program, we’ll have a lot more to say about its investment plans.  Specifically, we’ll take a close look at their profitability as well as the flip side of the coin — the prognosis for the survivability of the program in the long term.  Please stand by for the review, which we should have in print within the next few days.

The website provides the details on interest rate, term, and minimum and maximum investments for each of the plans and I’ll repeat that information here as well.

Starter Plan
3% daily for 5 days
$10 – $1,000

Easy Plan
3.5% daily for 10 days
$20 – $3,000

Medium Plan
4% daily for 15 days
$30 – $5,000

Professional Plan
5% daily for 25 days
$150 – $50,000

Analysis of the Plenty-Oil Investment Plans.

Let’s first take a look at the daily net interest for each of the investment plans.  This is simple to obtain since these plans return your investment at their conclusion.  This tells you that the daily interest that you receive is pure profit — assuming, of course, that the program survives until the plan ends.  Let’s make that assumption.  So, the daily interest is daily NET interest (DNI), the term that is especially useful in understanding how profitable a plan is as well as how probable it is that the overall program will survive in the long term.

Let’s also take a look at how long it takes each of these investment plans to break even.  This is very easy to determine.  You simply divide 100% by the percent of your earnings you recover each day.  For the Starter Plan, you divide 100% by 3% to get 34 days.  However, since the plan is only five days long, you will break even when you receive your investment back at the end of the plan.  The same situation arises with the Easy and Medium Plans.  However, the Professional Plan will break even before the plan ends.  Dividing 100% by the 5% daily interest for that plan, you get that it will break even after 20 days.  The plan is 25 days long.  So, you break even five days before the plan ends.  Here are our results:

Starter Plan.  Break even in 5 days (at end of plan)
Easy Plan.  Break even in 10 days (at end of plan)
Medium Plan.  Break even in 15 days (at end of plan)
Professional Plan.  Break even in 20 days

Discussion.

Concerning profitability, ALL of the Plenty-Oil investment plans are VERY profitable.  Even the Starter Plan paying a daily net interest of “only” 3% is highly profitable.  I like to translate profit into weekly terms and 3% daily net interest comes out to 21% weekly.  That’s a lot!  The Professional Plan paying 5% daily net interest comes out to 35% weekly.  That’s off the chart!!

Unfortunately, the other side of the coin is that programs having investment plans with DNIs in this range might have a hard time surviving in the long term owing to the burden these interest payments place on the program.  In HYIP Insights #12, we suggested that programs with investment plans having DNIs higher than 2% might be at risk of early closure.  Of course, we hope that this is NOT the case with Plenty-Oil.  Perhaps it will be one of the very few programs that manage to survive in the long term while continuing to pay its investors very high interest rates.

The cautious investor might want to take advantage of the shorter term Plenty-Oil investment plans.  It’s a new program and, even in a worst-case scenario, one would like to think that it could survive long enough for these plans to go through a full cycle.

The investment ranges for the different investment plans overlap.  Let’s compare returns that you would receive making a $200 investment in each of them.  Remember, of course, that your $200 will be returned to you at the end of the plan.  For the Starter Plan it will be 3% of $200 or $6 (.03 x 200).  Doing the same arithmetic for the other plans, you will get:

Starter Plan.  $6
Easy Plan.  $7
Medium Plan.  $8
Professional Plan.  $10

Of course, it would be nicer to receive ten dollars per day rather than six.  The question is, “do you want to risk your investment for 25 days rather than 5?”  The answer, of course, depends on the type of investor that you are…

Conclusions.

Plenty-Oil offers four fairly high interest investment plans.  So, there is the potential for higher than average earnings — along with higher than average risk.  The plans DO appear to be well-thought-out and, thankfully, they do NOT offer interest rates that are obscenely high — a sure sign that a program is a very bad risk.  I don’t think that much more than this can be said.

I hope that this review has been helpful to you.  Good Luck!

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