This project was moved on PROBLEM status! Do NOT invest there anymore..
Discussion.
In Part 1 of this review, we analyzed the Hooplex investment plans and discovered some interesting data that give clues as to how the plans work. Let’s repeat what we discovered here along with the basic information about each of the plans:
Plans Interest/DNI Total Net Earnings Days to Break Even
30 days 0.7% 21% 30 days
60 days 0.8% 48% 60 days
90 days 0.9% 81% 90 days
120 days 1.0% 120% 100 days
150 days 1.05% 157.5% 96 days
180 days 1.1% 198% 91 days
Look simple? There is actually a lot to discuss here…
First let’s look at the values for DNI. In the article in HYIP Insights #12, we suggested that programs offering investment plans having values for DNI that are less than 1% should have a better than average chance of long-term survival. For the most part, the Hooplex investment plans conform to this suggestion. So, from the point of view of survivability, the Hooplex program would appear to be on track. And, this is a very good thing because many of the Hooplex investment plans are long term — up to six months long. When investing in a long-term program such as Hooplex, it is imperative that the investor do his due diligence to get as many clues — good and bad — that might rate to the survivability of the overall program. I would say that this is a “good” clue.
The flip side of the coin to survivability is always profitability. If you multiply the values for DNI by seven, the number of days in a week, you get the average weekly profit that you can expect to receive from each of the Hooplex investment plans:
Plan Weekly Profit
30 days 4.9%
60 days 5.6%
90 days 6.3%
120 days 7.0%
150 days 7.35%
180 days 7.7%
In HYIP Insights #23, we suggested aiming at programs offering investment plans with weekly profits between 5% and 15% — as a compromise between risk and profitability. This all comes back to DNI and you can see that we are at the low end of the recommendation for profitability. However, this where we WANT to be if we are looking for a program with better a than average chance of long-term survivability.
Now let’s talk about the “nail biting” that is involved with the Hooplex investment plans. Although three of them will break even before they end, none of them return your investment until they end. Even though, as we suggested above, chances are good that the Hooplex program will be a long-term survivor, the investor will still be concerned about losing his investment if the program should close before it is scheduled to end. There is nothing much that an investor can do about this. However, it is a very real consideration that should be factored into a person’s decision as to whether or not to invest in this type of program.
Concerning level of risk, the TYPE of investment plans offered by Hooplex are better than those that return neither earnings nor investment before the plan ends. However, they are worse that the those that return your investment as part of your earnings. In this last type of investment plan, the portion of a person’s investment that is at risk decreases very quickly and the investor will always break even before the plan ends.
Concerning breakeven points, the 30, 60, and 90-day plans don’t break even until they end and a person’s investment is returned. The 120, 150, and 180-day plans all break even between 90 and 100 days — in more than three months. So, as far as a total loss is concerned, after three months or so, you are protected in the three highest interest plans. This said, three months IS a long time in HYIP world and, again, the investor should do his due diligence before investing.
Earnings Examples.
Earnings examples are very simple to do for the Hooplex investment plans. Let’s compare what happens with investments of $100 in the 60-day and 120-day plans.
For the 60-day plan, you will receive 0.8% per day or $.80 per day (100 x .008). After the 60-day term of the plan is up, you will have received a total of $48 in interest payments (.8 x 60) plus your $100 investment will be returned to you. So, as we have discussed already, your $48 in earnings works out to be your net profit. However, you didn’t break even until the plan ended and your investment was returned.
For the 120-day pan, you will receive 1% per day or $1 per day (100 x .01). After the 120-day term of the plan is up, you will have received a total of $120. Since this in more than your investment, the implication is that you broke even before the plan ended. We already calculated that this will be in 100 days (which is very easy to see in this example). When the plan ends, your investment of $100 will also be returned to you. So, as we have already noted a few times already, your earnings of $120 become your net profit.
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Conclusions.
The Hooplex investment program offers six investment plans that all offer modest returns. This should give the program a fairly high chance of long-term survival. This is good because the Hooplex investment plans vary from 30 days all the way to 180 days (six months) long. The investor looking for a long-term source of passive income will want to seriously consider the Hooplex program. The program probably won’t appeal to the investor looking for a high interest short-term investment opportunity.
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