This program moved to CLOSED! Do not invest there!

Discussion.

In Part 1 of this Review of the Rahman and Young investment program (that you can read here), we began by laying out all the essential information behind the five investment plans that the program offers.  Now, we will discuss this information in an effort to determine whether or not Rahman and Young might be a good place to invest some or your hard-earned money.

We’ll begin our discussion of the Rahman and Young investment plans by taking a close look at the minimum investments that they require.  As we suggested in our “First Thoughts” article about the program, only the lowest interest investment plan, the Malmo Plan, has a minimum investment that is within the reach of all online investors.  The next plan, the Gothenburg Plan, with a minimum investment of $2,500, might attract a few investors.  However, it is doubtful that this will be a popular investment choice.  The remaining three investment plans have minimum investments of $10,000, $20,000, and $40,000.  We always advise VERY STRONGLY that a person NOT invest this level of funding in ANY online HYIP.  Such programs, Rahman and Young included, simply do not provide the level of verification of their existence, not to mention their past performance, that is necessary for a person to confidently invest these funding amounts.  The wise course of action is to treat investment in an HYIP like playing a “Game” — a gambling sort of game.  We wrote an article about this idea in HYIP Insights #4.  Perhaps you might want to take a look at it in case you missed it when we first published it.  The bottom line is that Rahman and Young essentially has only ONE investment plan.  Yes, a few people might opt for the Gothenburg Plan.  However, they will be few and far between.

I don’t know if you expected it like we did, but in Part 1 of this Review we found out that the values for DNI for the Rahman and Young investment plans are all in the very modest range — in the neighborhood of 1/2% for the two plans that will be used.  The gross daily business day interest rates for these two plans is right around 2% which is three times higher.  First and foremost, DNI gives you an honest indication of how profitable an investment plan is.  If you multiply the average  daily profit of 1/2%  by seven, you see that this is equivalent to 3.5% profit per week.  By HYIP standards, this is not a lot and a weekly net profit of 5% or more is not uncommon.  However, this might be just what the doctor ordered for the more conservative investor.  The reason, of course, is that low DNIs are more apt to be sustainable by the company in the long term.  In HYIP Insights #12, we suggested that programs offering investment plans having DNIs of less that 1% would appear to have a good chance long term survivability.  So, the Rahman and Young investment plans are “exactly right” from that point of view.

The Rahman and Young investment plans break even in slightly more that two months.  This is a little bit long for us.  We are conservative investors and like to feel that we have recovered our investment in half that time.  On the other hand, you DO recover your investment on a daily basis which gradually reduces the amount of your investment that is at risk.  Please see HYIP Insights #21 for a detailed discussion of factors that we feel make an online investment program a good one.

Conclusions.

In conclusion, if you disregard the last three of the Rahman and Young investment plans, this is a fairly decent program.  It offers modest interest rates that should encourage long-term survivability of the program.  And, they are not so low that the HYIP investor will have no interest in the program.  For the conservative investor, they might be in the “sweet spot.”  For the adventuresome HYIP investor who would like to make big profits in a small amount of time (while taking big risks), Rahman and Young is probably not a good choice.  My only complaint about Rahman and Young might be that it DOES offer investment plans that have insanely high minimum investments.  Can the program really deliver the interest that it promises on these large investments or is the company just fishing for a large deposit — after which it will close its doors.  Thankfully, Rahman and Young does NOT offer obscenely high interest rates to attract these types of investments (See HYIP Insights #14 for more info on this issue).

I hope that this information is helpful to you as you weigh the pros and cons of the Rahman and Young investment program.

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