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The Albiton Investment Plans.

In our recent “First Thoughts” article about Albiton, we introduced their three investment plans in the following way:

For the online investor, Albiton offers three easy-to-understand investment plans.  All of them pay interest daily, are 40 days long, and return your investment as part of your earnings.  You will remember that this is the TYPE of investment plan we favor, because the portion of a person’s investment that is at risk rapidly decreases as the plan progresses.  Gross interest rates vary from 4% per day to 8% per day leading to the potential for very lucrative returns.  However, the minimum investments required to take advantage of the plans offering the higher returns are probably prohibitive.  So, for the most part, we expect that investors will utilize the 4% plan — which still offers very satisfactory returns.

The website provides a little bit more information on the three investment plans as follows:

Standard Plan
4% per day
\$20 – \$5,000

6% per day
\$5,001 – \$25,000

8% per day
\$25,001 – \$50,000

Analysis of the Albiton Investment Plans.

When we analyze investment plans, we typically determine how long it takes them to break even as well as the average daily net interest (DNI) that they pay the investor.

It is extremely simple to determine how long it takes for an investment plan of the type offered by Albiton to break even.  You simply divide 100% by the percent earnings that you receive on a daily basis.  For example, for the Standard Plan, you divide 100% by 4% to get that the plan breaks even in exactly 25 days.  If you repeat this arithmetic for the other two Albiton investment plans, you get the following results:

Plan                       Days to Break Even

Standard              25 days

Concerning DNI, you will remember that it is simply the total net interest that you receive from an investment plan averaged out over the length of the plan.  In a way, it is a fictitious quantity as, until an investment plan breaks even, you are making ZERO net interest whereas, after a plan breaks even, ALL of your earnings are net interest.  Net interest, of course means profit.  However, DNI is an extremely useful quantity as it can be computed for ANY investment plan and it enables us to “rate” plans and compare them with one another.  This is why we, at EmilyNews, pay so much attention to it.

With that as an introduction, let’s calculate the DNI for each of the Albiton investment plans.  For the Standard Plan, the total GROSS interest that you will receive equals the daily gross interest times the number of days in the investment plan.  The result is 160% (4 x 40).  In order to get the total NET interest (profit) that you earn from the plan, you must subtract 100% from this because it includes your investment.  This result is 60%.  Finally, averaging this profit out over the length of the investment plan, by dividing by the number of days in the plan, you get a DNI of 1.5%.  Doing the same arithmetic for the other two Albiton investment plans, you get the following results:

Plan                       DNI

Standard              1.5%

In Part 2 of this review, we’ll discuss these results and draw some conclusions concerning the pros and cons of the Albiton investment plans.  Part 2 should be in print in a day or two.  Please stand by…

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