This program moved to CLOSED! Do not invest there!

The Coinvestment Investment Plan.

In our “First Thoughts” article about Coinvestment (that you can read here), we summarized their investment plan in the following way:

Coinvestment offers a single very easy-to-understand investment plan.  Simply stated, it offers 0.15% interest every hour — forever.  So, it is another example of a “perpetual” investment plan.  Unlike some other plans if this type, it is possible for the investor to withdraw his investment at any time after 48 hours from when his deposit was made.  A rather modest 5% fee is required in order to do this.  You are probably already doing the arithmetic in your head, but, in case you haven’t, 0.15% per hour comes to 3.6% per day — which is quite a lot.  So, Coinvestment promises to be a lucrative investment program.  We’ll take a close look at its pros and cons when we review the program.  We should have the review done in the next day or two.  Please stand by…

There really isn’t anything that can be added to this description of the Coinvestment investment plan.  So, let’s move along and try to understand it better…

Analysis of the Coinvestment Investment Plan.

The Coinvestment investment plan has a few wrinkles that make it a little bit difficult to analyze.  First of all, it pays interest on an hourly basis rather than daily and, second, it is a “perpetual” plan.  Concerning the first issue, we will simply work with the equivalent daily rate of 3.6% that the plan pays.  Concerning the fact that it is a “perpetual” plan, the best we can do is to assume different lifetimes for the program and take things from there.

However, first, let’s quickly check how long it will take for you to break even with this investment plan.  This is very easy to determine.  You simply divide 100% by the gross daily return that you receive.  So, dividing 100% by 3.6%, we find that the plan breaks even in 28 days — around a month.  This is a reasonable length of time in HYIP world.

The next thing we determine when analyzing an investment plan is the average daily net interest (DNI) that you will earn from it.  In the case of a “perpetual” plan, this is the tricky thing to determine as it depends on how long you will be receiving returns from the plan.  Needless to say, the longer that you receive returns, the more profitable your investment becomes.  The best that we can do in this case is to assume different lifetimes for the program and calculate the results for each situation.  Let’s work with four such lifetimes: 90 days, 180 days, 270 days, and 360 days.

Assuming that the program survives for 90 days, the total gross interest that you will receive will be 90 times the daily gross interest of 3.6%.  Doing the multiplication, you get 324%.  Since this includes your investment, the total net interest that you will receive will be 224%.  Dividing this by the assumed 90-day life of the investment plan, you get an average daily net interest (DNI) of 2.49%.  If you do this same arithmetic for the other assumed lifetimes for the program, you get the following results:

Days                DNI
90                    2.49%
180                  3.04%
270                  3.23%
360                  3.32%

So, the longer the program survives, the more days there will be past the point breakeven point.  This is when you  earn “pure profit.”  When you average this pure profit out over the entire length of the investment plan, you get the plan’s DNI.  In the case of a “perpetual” investment plan, the longer the plan survives, the more days of pure profit there will be.  So, averaging this profit out over the increasing lifetime of the investment plan, DNI will also increase.  I hope this make sense.  If the program survived for a very long time, the DNI would gradually approach the gross daily interest of 3.6%; it can never get higher than that.

Discussion.

This is a lucrative investment plan.  After 90 days, DNI has risen to around 2.5%.  Multiplying by seven, that’s equivalent to 17.5% profit per week.  After 180 days — a half year — it climbs to 21%.  In the article in HYIP Insights #23, we suggested aiming at weekly profits of between 5% and 15%, the implication being that investment plans promising much more than this might be high risk ventures.  Of course, this is only our opinion.  Truly anything can happen in the HYIP business and we certainly hope that Coinvestment will be with us for a long time to come in spite of the fact that it offers these very attractive returns.

I must mention that there is another risky factor about ALL “perpetual” investment plans.  Since they never end, the program never obtains relief from its obligation to make interest payments to its investors.  The typical program will have constant turnover with investment plans ending along with an end to the obligation to make interest payments associated with the plans that end.  Again, we hope that Coinvestment has taken this factor into account when it designed its very lucrative investment plan.

A plus for this investment plan is that it breaks even in only a month.  This is far superior to plans that can take many months to do so.  In the HYIP game, where anything can happen, the investor doesn’t want to have to wait a long long time to recover his investment.  Another plus for this type of investment plan is that, since you receive returns on a daily basis, the portion of your investment that is at risk decreases every day.  With a breakeven point of only 28 days, you will have recovered half your investment in two weeks.  So, the level of risk isn’t as bad as it could be.

Earnings Example.

As an example, suppose that you invest $100 in the Coinvestment investment plan.  You will receive 0.15% of this (or $.15) per hour for a total of $3.60 each 24-hour period.  Forever.  It’s as simple as that!  You can see that, after 28 days, you will have made a total of $100.80 which is when you break even.

Conclusions.

Coinvestment offers a single “perpetual” investment plan that pays the equivalent of 3.6% interest per day.  It is a lucrative investment plan that might be at risk of early closure.  However, assuming that the plan was well thought out and that it is wisely managed, it might be possible for the program to survive well into the future.  Perpetual investment plans, especially lucrative ones such as this, are probably most suited to the adventuresome investor.  They are probably not the “cup of tea” that the conservative investor is looking for.

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