The Nexinvex Investment Plans.

We published our “First Thoughts” article about Nexinvex a few days ago.  We’re slower than usual to write a follow-up review, but here it is.  We hope that it will be helpful in enabling you to decide whether or not to invest with this program.

We’ll begin by repeating what we said about the Nexinvex investment plans in the First Thoughts article.  This will be a good overview of how they work.

Nexinvex offers two easy-to-understand investment plans.  The “Daily Plan” pays “up to” 3% daily for 60 days and the “Fixed Plan” pays “up to” a flat 120% after 10 days.  It looks like your investment is included in the return for both cases.  I’m not sure what is meant by “up to” and will try to provide an answer to that when we review the program.  My guess right now is that it is a safety net that will allow the company to decrease interest earnings in case of hard times.  There is a calculator in the website that bases earnings predictions on the given percentages.  But, more about all this when we review the program.  Please stand by…

To get more information on the investment plans from the website, you have to dig a little; you have to do some detective work.  The calculator on the “Investors” page of the website is helpful in this regard.  Concerning minimum and maximum investments that are permitted for the two investment plans, the limits appear to be the same in-so-far-as operation of the calculator is concerned.  The minimum is .002 BTC and the maximum is 1,000 BTC.  At $4,000 per Bitcoin, that comes to investment limits of from $8 to $4,000,000.  I guess that covers just about everyone!

More importantly, the calculator answers the “up to” question that we raised in the First Thoughts article.  For an investment of .002 BTC in the Daily Plan, the calculator gives a daily return is .00005 BTC.  This is a return of 2.5% ([.00005/.002] x 100), whereas the Daily Plan advertises a return of “up to” 3%.  Likewise, for an investment of .002 BTC in the Fixed Plan, the calculator gives a return after 10 days of .0022 BTC.  This is a return of 110% ([.0022/.002] x 100) of the investment, whereas the Fixed Plan advertises a return of “up to” 120% after 10 days.  I am guessing that these actual rates of return can vary on a day to day basis depending on revenues made by Nexinvex.  While this is a sensible practice for the company, it doesn’t help the investor very much if he would like to predict his earnings from these investment plans.  To make matters worse, Nexinvex doesn’t tell us what the minimum return will be for its two investment plans.  So, the bottom line is that the investor is pretty much in the dark when it comes to trying to figure out how much money he can make from this program.

Analysis of the Nexinvex Investment Plans.

In light of what I just indicated, we really can’t do what we usually do in this section of a review: determine the breakeven point and average daily net interest (DNI) or profit for a program’s investment plan.  They both depend on the interest paid and we don’t know that for the Nexinvex investment plans.   So, the best we can do is take a GUESS.  We will use the interests that are presently used in the calculator keeping in mind that the rate in effect at another time might be higher or lower.  In fact, they could be much lower since Nexinvex does not give a minimum amount.  Remember that what appears in the website is a contract between you, the investor, and Nexinvex.  When you make an investment with them, you are limiting your maximum return (you DON’T want to do that!) but NOT limiting your minimum return (you DO want to do that!).

With this as an introduction, let’s take a close look at the Daily Plan, assuming that it pays 2.5% interest per day for 60 days.  Over the 60-day period, this comes to a total gross interest of 150%.  Since this includes your investment, you must subtract 100% to get the total net interest which, in this case, will be 50%.  Dividing this by the 60-day length of the investment plan, you get an average daily net interest (DNI) of around 0.83%.  To determine the breakeven point of this investment plan, you divide 100% by the daily return of 2.5% to get that the plan will break even in 40 days.

For the Fixed Plan, using the calculator value for gross return of 110% after 10 days, it is easy to see that your average daily net interest (DNI) is 1%.  Of course, since you don’t receive any return until the plan ends, that’s when you will break even — after 10 days.

Discussion.

If we could have faith in these numbers, these would appear to be very attractive investment plans.  As we suggested in HYIP Insights #12, programs with investment plans having DNIs in the neighborhood of 1% might be likely to be long-term survivors.  Likewise, they are also quite profitable.  An average daily profit of 1% comes to 7% profit per week.  This will certainly keep the conservative investor happy.  The DNI of 0.83% that we just calculated for the Daily Plan gives an average weekly profit of almost 6% which is, likewise, very respectable.

The problem is that, the way the Nexinvex investment plans are put together, you can’t depend on any of this.  They guarantee that you won’t make MORE than a certain amount but they don’t guarantee that you won’t make LESS than a certain amount.  This is great for the company but terrible for the investor!

You might ask yourself, “which plan is best?”  DNI provides part of the answer.  Assuming that the given percent earnings are right, the Fixed Plan is more profitable — an average return of 1% per day compared to 0.83% per day.  Concerning risk, since it is a very short-term plan, only 10 days, you might also conclude that there is less risk.  However, it is always true that in plans such as this, where you don’t see even a penny of return until the plan ends, everything is at risk for the duration of the plan.  In the Daily Plan, your investment is only at risk during the 40-day period before you break even.  And, during that period, the portion of your investment that is at risk is constantly decreasing.  In general, an investment plan that returns your investment as part of your earnings is the way to go.  So, in deciding which plan is best, as usual in the HYIP business, you have to choose between profit and risk.  The Daily Plan is less profitable but it is also a lot less risky.

Earnings Examples.

It is easy to come up with earnings examples.  Let’s assume that you invest $100 in each of the two Nexinvex investment plans.  For the Daily Plan, you will earn 2.5% of this or $2.50 per day and will break even in 40 days.  You will continue to earn for another 20 days and, during that period, will earn a total net profit of $50 (50%), as we predicted earlier.  If you invest $100 in the Fixed Plan, you will receive $110 10 days later for a total net profit of $10.  You can see that, if you invested in the Fixed Plan six times, your total net profit would be $60.  This is $10 more than you would earn from the Daily Plan in the same time period.  However, this is a much riskier procedure as your entire investment is at risk all the time.

Conclusions.

Nexinvex offers two investment plans, one offering a daily return and the other a total return at its conclusion.  It appears that both these investment plans could offer satisfactory returns at interest rates that might make it possible for the program to survive in the long term.  Unfortunately, Nexinvex does not guarantee a minimum return.  So, the investor is unable to predict what his future earnings will be.

I hope this information is helpful.

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