**The TY Capital Investment Plan.**

In our “First Thoughts” article about the TY Capital, we summarized their investment plan in the following way:

TY Capital offers a single investment plan. It pays interest daily and your investment is returned along with your earnings. The interest that you earn depends on the earnings of the company. They guarantee a minimum daily return of 1%. However, it can go as high as 5%. This is a very logical approach as it eliminates the chance that the company may promise earnings in excess of its own income. You continue to earn until your gross earnings reach 150%. That implies 50% profit. Since the interest that you receive can vary day by day and the total return is set at 150%, the term of the investment plan is variable. If interest paid is high, the term will be short — and vice versa.

This sounds simple enough. In fact, the TY Capital website provides a “Trading History” which is a record of the daily interests that the investment plan payed in the past. When I looked at the record, there were 19 entries. Their average at that time was 1.62% per day. The website also provides something called a “Deposit Calculator” which supposedly is a means for the investor to see estimates of the hourly return on an investment he might make as well as the number of days it will take for the investment plan to end. At the time I referred to the calculator, using the Perfect Money setting, the calculator indicated that an investment of $30 would, of course, result in a total gross return of $45, a gross profit of 150%. It also indicated that the approximate hourly return would be $.0446429; $.045 is probably close enough. That’s what I’ll use here. So, for a 24-hour day, the total return would be around $1.08 (24 x .045). The next question is: what percent is this of the $30 investment. That’s a simple calculation that gives 3.6% (1.08/30 x 100). After making this calculation, I was a bit confused and wondered where this percent came from; it was much higher than the percents on the Trading History. I contacted TY Capital support and they said it was the “average” return. Well, the Deposit Calculator “average” of 3.6% is a LOT different (higher!) than the calculated average of 1.62%. Obviously, either something is very wrong with the Deposit Calculator or I have made a serious mistake. I think my work is accurate. So, my advice for the investor is NOT to use the Calculator to estimate his earnings. The question that remains is: what daily percent return should the investor use for purposes of predicting his earnings from TY Capital? I suggest using 1.5%. It is slightly lower than the present average of 1.62%. However, it might be better to use a low estimate than a high one.

**Analysis of the TY Capital Investment Plan.**

When we analyze investment plans, we typically determine two quantities: break even point and daily net interest. Break even point is simple. You divide 100% by the daily interest that is paid. Using the estimated average daily interest of 1.5% we arrived at in the previous section, we come up with a break even point of around 67 days (100/1.5).

To determine DNI, we need to know both the daily interest paid as well as the length of the investment plan. We know the interest rate; but, what about the length of the plan? Since the investment plan ends when you have earned a gross interest of 150%, you simply divide 150% by the daily gross interest to determine the number of days in the plan (this is similar to determining the break even point). So, the plan will be 100 days long (150/1.5). Now we can determine DNI. We already know that the total gross interest is 150% and that, since this includes your investment, the total net interest is 50%. So, dividing 50% by the 100-day length of the program, we come up with a DNI of 0.5%.

**Discussion.**

Aside from the confusing presentation of earnings in the website, the program is easy to understand. The single investment plan will take around two months to break even which is rather long. This is somewhat compensated for by the fact that the investor is receiving returns on a daily basis. Multiplying the DNI of 0.5% by seven, we get an average weekly profit of 3.5%. This is low by HYIP standards. However, on the plus side, at least compared to other HYIPs, this program would appear to have the potential for long-term survival since the obligations the company has, in-so-far-as making interest payments is concerned, are comparatively small.

**Conclusions. **

TY Capital offers a single investment plan that pays a variable daily interest rate which depends on company earnings. The plan ends when the investor has received a gross return of 150%. Based on the history of returns that the company has paid thus far, this investment plan would be classed as a very conservative one with a good chance of long-term survival. It might not appeal to the more adventuresome investor. There appear to be mistakes in the “Deposit Calculator” given on the website. Hopefully, the program administrators can correct these errors in the near future.

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