This program moved to CLOSED! Do not invest there!

The Proximus Investment Plans.

A few days ago, we published our “First Thoughts” article on Proximus (read it here).  In it, we summarized the program’s investment plans as follows:

Proximus offers three investment plans.  Transactions are by means of a choice of six cryptocurrencies.  All of the plans are 50 days long and all of them return your investment as part of your earnings.  The plans are extremely easy to understand — which is not always the case with online investment programs.  Here’s the pertinent information for the three Proximus investment plans:

3% daily
.002 – .200 BTC

4% daily
.2001 – 1.00 BTC

5% daily
1.001 BTC – up

I have given investment limits in BTC.  There are equivalent amounts in the five other cryptos.

A quick mental calculation tells me that the Proximus investment plans are quite lucrative, but not insanely so.  However, we’ll take a much closer look at the investment plans and try to determine their pros and cons when we make a detailed review of the program.   I don’t expect that there will be any surprises.  The review should be ready within the next day or two.  Please stand by…

There really isn’t anything that can be added to this.  So, let’s take a closer look at the Proximus investment plans now.

Analysis of the Proximus Investment Plans.

When we analyze an HYIP’s investment plans, we typically determine how long it will take them to break even as well as what their average daily net interest rates (DNIs) are.  It’s simple to determine breakeven point.  You divide 100% by the gross daily interest that an investment plan pays.  For example, in the case of the Basic plan, you divide 100% by 3% to get that the plan breaks even in around 34 days.  If you repeat this arithmetic for the Advanced and VIP plans, you get the following results:

Basic                34 days
Advanced        25 days
VIP                   20 days

The DNI of an investment plan is simply the total net interest that it pays averaged out over the length of the plan.  Remember that, for investment plans like the ones offered by Proximus, you aren’t earning any profit at all until the plan breaks even.  After that, all of your earnings are “pure profit.”  DNI averages this profit out over the entire length of the investment plan.  It’s a great way of assessing both the profitability and risk of an investment plan — as well as comparing it with plans that might be offered elsewhere.

To get the DNI of an investment plan, we first determine the total gross interest that it pays.  In the case of the Basic plan, you do this by multiplying the daily gross interest of 3% by the 50-day length of the plan to get 150% (this is given in the website).  Then, since this includes your investment, you subtract 100% to get the total net interest that the investment plan pays.  For this case it is 50%.  Finally, dividing this by the 50-day length of the plan, you get a DNI of exactly 1%.  Repeating these calculations for the other two Proximus investment plans, you get the following results:

Basic                DNI = 1%
Advanced        DNI = 2%
VIP                   DNI = 3%


A good feature of the Proximus investment plans is that they all break even in only three or four weeks — not a long time.  Furthermore, since they all provide returns on a daily basis, the portion of your investment that is at risk decreases daily.  This is another desirable feature of the Proximus investment plans.  Remember that there are many programs which offer investment plans that don’t return your investment until the plan ends.  In addition, sometimes, earnings aren’t even returned until a plan ends either.  These are the riskiest types of investment plans to become involved with.  Fortunately, none of this applies to the Proximus investment plans.

In the article in HYIP Insights #12, we suggested that programs offering investment plans having DNIs of 2% or less might have a decent chance of surviving in the long term.  The VIP plan, with a DNI of 3%, might put the survivability of the overall program at risk.  However, a compensating factor is that, with the relatively steep minimum investment of 1 BTC, this plan will probably not have many customers.  So, the burden of paying high daily returns on the overall program will be minimized.  Even the Advanced plan with a minimum investment of 0.2 BTC will be beyond the reach of many investors.  So, the Basic plan will probably be most popular and this will be good for the long-term survivability of the program.

The Proximus investment plans are quite lucrative.  On a weekly basis, with a DNI of 1%, the Basic plan provides an average weekly profit of 7%.  This is considerable.  Of course, with DNIs of two and three times this, the average weekly profits for the two higher interest plans will be 14% and 21% respectively.  If you can afford the minimum investment and are willing to take the risk, there is a lot of earning potential here.

Earnings Examples.

Let’s assume an investment of $100 in the Basic plan.  It will pay you earnings of 3% per day which, of course, is $3.  You will break even in 34 days, at which time you will have earned $102.  By the end of the 50-day investment period, you will have earned $150, for net profit of $50.

If you have $1,000 to invest, you would fit into the Advanced plan.  In this case, you would earn 4% per day which is $40 (.04 x 1,000).  After 25 days you will break even with exactly $1,000 in earnings and, after 50 days, you will have earned a total of $2,000, for a net profit of $1,000.  You would have doubled your money.  This is a very attractive investment plan.


The Proximus investment program offers three very understandable investment programs that appear to be well thought out.  They all pay interest daily and break even quickly.  They are also quite lucrative.  The highest interest investment plan has a fairly high minimum investment which will limit its use.  This will enhance the longevity of the overall program.  With sensible management practices, the program would appear to have the potential for long-term survival.

I hope this information is helpful.


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