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The Zonders Investment Plans.

In our “First Thoughts” article about Zonders, we introduced their five investment plans in the following way:

Zonders offers five investment plans.  They all return your investment at the conclusion of the plan.  Two of them hold your earnings until the end of the plan while three of them pay your earnings on a daily basis.  A nice thing about the Zonders investment plans is that they are all affordable — at least to the serious online investor.  The highest minimum investment requirement is only $550.  Compare this to many other HYIPs that might require $5,000, $10,000, or even more for some of their investment plans.  A quick calculation tells me that the plans are fairly lucrative, but, generally speaking, not to the point where excessively high earnings might jeopardize the chances of the program being a long-term survivor.  An exception might be the plan offering the highest interest return; this one could be problematic.  There is a lot more to say about the Zonders  investment plans and we will get into that in great detail when we review the program.  Our review should be ready in a few days.  Please stand by…

Here is the complete information on the five plans as it appears in the Zonders website:

106% for 4 working days
$15 – $500
Interest paid at end of plan

122% for 12 working days
$35 – $2,500
Interest paid daily

156% for 24 working days
$350 – $2,500
Interest paid daily

170% for 30 working days
$550 – $75,000
Interest paid daily

350% for 45 working days
$150 – $150,000
Interest paid at end of plan

Something I forgot to mention at in the First Thoughts article is that the Zonders  investment plans only generate interest on working days — rather than on calendar days.  This must be kept in mind when we analyze these investment plans — which is what we will do next.

Analysis of the Zonders Investment Plans.

OK, first of all, since all the Zonders investment plans return your investment when they end, your earnings are pure profit.  Of course, this assumes that the program survives long enough for you to get your investment back.  But, as usual, we’ll make this assumption.  That means that your daily earnings would be what we refer to as DNI or daily net interest.  However, when talking about DNI, we always refer to calendar days rather than to working days.  Since Zonders pays earnings on working days, we have to convert them to calendar days if we are to be able to compare earnings of this program to what you might earn from others.

There is still another detail that we first have to resolve.  Zonders doesn’t give us the interest that it pays PER working day, it gives us the TOTAL interest it pays over the length of each plan.  So, we first have to determine the interest per working day for each plan and then we have to convert this to interest per calendar day.  You can see that this gets a little bit complicated.  However, this is really what the wise investor should do in order to be able to truly analyze or understand a program’s investment plan offerings.  Sometimes, as is true in this case, there is a lot of camouflage that has to be removed.

Let’s start with the 106% plan.  This plan runs for 4 working days.  The name of the plan tells you that you earn 6% total net profit over the course of the plan.  To get the profit that you earn per working day, you take the 6% and divide it by the 4 working day length of the plan to get 1.50% net profit per working day.  But, we’re interested in earnings per calendar day.  Since there are roughly 22 working days in a 30 day, we can convert working days to calendar days by multiplying the number of working days by 30/22 (or 1.36).  So, 4 working days equals roughly 5.44 calendar days.  We’ll round this up to 6 calendar days because you are paid interest on the basis of full days, not fractions of them.  You might quickly point out that this calculation is wrong if, say, you make a deposit into this program on a Monday.  Of course, 4 working days after that is the same as 4 calendar days.  However, if you make a deposit on a Thursday, 4 working days will include a weekend.  So, your deposit will mature 6 calendar days later.  This little calculation is an effort to account for this.  It might not always be exactly right.  However, it will be close enough for what we’re doing here.  OK, all this said and done, we now know that the 6% total profit for this plan will be earned in 5.44 calendar days.  This means that the average daily net interest (DNI) that this plan pays is 1.10% per calendar day — or just 1.10% (6%/5.44 days).

If you do all this for the other four plans, you get the following very important results:

Plan                                         Total Profit      Calendar Days DNI

106% for 4 working days        6%                   5.44 = 6           1.10%
122% for 12 working days      22%                 16.32 = 17       1.35%
156% for 24 working days      56%                 32.64 = 33       1.72%
170% for 30 working days      70%                 40.80 = 41       1.72%
350% for 45 working days      250%               61.20 = 62       4.08%

Well, DNI is one of two important quantities we always determine when analyzing a program’s investment plans.  The next is the number of days it takes for a plan to break even.  This is easy to determine since all you have to do is divide 100% (meaning when you get 100% of your money back) by the percent earnings you receive on a daily basis.  We’ll continue to think in terms of calendar days here and use the DNI as the daily earnings (remembering that it isn’t a precise number).  For the 4 day plan, if you divide 100% by the DNI of 1.10%, you come up with around 91 calendar days to break even.  Since this is a LOT more than the 6 calendar day length of the plan, you obviously won’t break even until the plan ends.  For the 122% plan, dividing 100% by 1.35%, you get that the plan won’t break for around 74 calendar days — which, again, is a lot more than the 17 calendar day length of the plan.  So, again, you will beak even when the plan ends.  If you do this same arithmetic for the 156% and 170% plans, you will find that they, too, won’t break even until the plans end.  This same arithmetic also shows you that the 350% plan would be the only one that would break even before the end of the plan.  However, that plan along with the 106% plan, stipulate that you will not receive ANY earnings until the plans end.  So, to sum it all up, NONE of the Zonders plans will break even until they end.

That was a lot of work and I hope that it made sense to you!  There is a lot to be said about all these numbers and that’s what we’ll do in Part 2 of this review of the Zonders program.  We hope to publish it within the next few days.  Please stand by.


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