Review #2 (after the plans were changed) is already available.

The BTraders Investment Plans.

In our recent “First Thoughts” article about BTraders, we introduced the company’s investment plans in the following way:

BTraders offers three investment plans.  When you look at them, you will immediately notice their extremely modest investment limits.  All of them accept deposits from $10 to $100.  This is VERY different from the typical online investment plan that tries to capture investments in the tens of thousands of dollars.  I like the BTraders approach.  It is modest and a lot less greedy.  These are admirable attributes for any enterprise — or individual.  It is important to note that, if a person would like to invest more with BTraders, he can have up to three deposits.  This effectively raises the maximum investment limit to $300.

The three BTraders investment plans are very clearly presented on the home page of the website.  Unlike some online investment programs, the reader doesn’t have to struggle to understand how the plans work.  In addition, the rules for investing in the plans are given right under the description of the plans.  Again, this is a breath of fresh air and is the way things should be in any type of investment program anywhere.  No fine print and nothing that you have to struggle to figure out.  My hat goes off to the administrators of BTraders for this clarity.

As far as the details of the three investment plans go, they cover the types of investment plans typically offered in online.  Some quick mental calculations tell me that the returns are sensible and characteristic of a program that would have a very good chance for long term survival.  The fact that the program has already been online for 50 days implies that they might be on the road to achieving that illusive objective.  Please stand by for our review of BTraders where we will take a detailed look at these investment plans and point out some of their pros and cons.  The review should be available in a day or two…

Here is the website information on the three BTraders investment plans:

Plan #1
105% after 5 days
Principal included

Plan #2
1.5% daily for 10 days
Principal back

Plan #3
6% daily for 20 days
Principal included

Analysis of the BTraders Investment Plans.

When analyzing an online company’s investment plans, we typically determine how long it takes them to break even as well as what the average daily net interest (DNI) for each of them will be.  Let’s begin by determining breakeven points.

For Plan #1, this is easy.  Since you don’t receive a return until the plan ends after five days, that’s when you will break even.  For Plan #2, you are receiving 1.5% interest daily.  So, by the time the plan ends after 10 days, you will have received 15% of your investment back (1.5 x 10), but you will still not have broken even.  So, like Plan #1, you don’t break even until the plan ends in 10 days when your investment is returned to you.  For Plan #3, which runs for 20 days, let’s divide 100% by the 6% daily return to see when you will break even.  If you do this arithmetic, you will find out that the plan breaks even in around 17 days.

Next, let’s determine the average DNI, or average daily profit, that each of the investment plans will pay you over its lifetime.  For Plan #1, your total net profit is 5%.  If you average this out over the five-day length of the plan, you find that your average daily profit, or DNI, is 1%.  For Plan #2, we already found out that you will receive a return of 15% before the plan ends, at which time your investment will be returned to you.  Assuming that the program survives this long, you can say that the 15% is profit.  Averaging this out over the 10-day length of the plan, you get a DNI of 1.5% (15/10).  Finally, for Plan #3, the total gross interest that you will receive over the lifetime of the plan will be the daily gross interest of 6% times the 20-day length of the plan.  Doing the multiplication, we find that the total gross interest is 120%.  Subtracting 100% from this because it includes our investment, you get that the total net interest for the plan is 20%.  Finally, dividing this by the 20-day length of the plan, we get an average daily net interest, or DNI, of 1% — the same as for Plan #1.

In summary form, here are the results we obtained for breakeven points and daily net interest for the three BTraders investment plans:

Break even      DNI

Plan #1            5 days              1%
Plan #2            10 days            1.5%
Plan #3            17 days            1%

In Part 2 of this review, we’ll discuss these results and try to determine the pros and cons of this interesting investment program.  Please stand by…

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