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The Signum Trade Investment Plans.

In our “First Thoughts” article about Signum Trade, we very briefly introduced their investment plans in the following way:

For the investor, Signum Trade offers EIGHT investment plans for him to choose from.  And, as if this isn’t enough, many of these plans have what might be referred to as subplans — up to another eight of them — that offer different returns depending on the size of a person’s investment.  If my arithmetic is right, if you add all the subplans together, there is a total of 41 different investment plans in the Signum Trade investment program!  However, once you enter the account page of your personal website, this is all presented in a very clear manner with each different plan having a calculator so that you can immediately see the earnings you will receive from any deposit you might care to make.  All of the investment plans return both your investment and earnings as a one-shot payment at the end of an investment plan and all of the plans are very lucrative, even the lower interest “subplans.”  The lengths of the plans run from one day to 40 days — quite a range.

The key to understanding the Signum Trade investment plans is to take a look at the details of them that you will find very clearly presented in the account page of your website.  For example, if you look at the first plan on the list, the “150% After 1 Day” plan, you will immediately see the eight subplans associated with it as follows:

150% After 1 Day

Plan                 Amount                                   Profit

1                      \$10 – \$499                               103%
2                      \$500 – \$999                             105%
3                      \$1,000 – \$2,499                       108%
4                      \$2,500 – \$4,999                       113%
5                      \$5,000 – \$9,999                       121%
6                      \$10,000 – \$19,999                   130%
7                      \$20,000 – \$49,999                   140%
8                      \$50,000 – \$100,000                 150%

So, first of all, you will note that the name of the plan is a bit of a misnomer as, in order to earn 150% of your investment in one day, you will have to make a deposit of over \$50,000.  For more typical deposits of \$1,000 or less, we are talking about the first three subplans.  It is important to note that, even for these three lowest interest plans, the investor will still earn 3%, 5%, and 8% net interest per day — which is considerable.

Moving on to the second plan, the “380% After 5 Days Plan, we have exactly the same situation with there being eight subplans as follows:

380% After 5 Days

Plan                 Amount                                   Profit

1                      \$10 – \$499                               118%
2                      \$500 – \$999                             130%
3                      \$1,000 – \$2,499                       148%
4                      \$2,500 – \$4,999                       180%
5                      \$5,000 – \$9,999                       235%
6                      \$10,000 – \$19,999                   270%
7                      \$20,000 – \$49,999                   330%
8                      \$50,000 – \$100,000                 380%

In this case, for the three lowest interest subplans, your net interest for the three-day period can be seen to be 18%, 30%, and 48%.

In the case of both of these sets of subplans, you can see that, as the size of your investment increases, the interest that you can receive literally goes through the roof.  However, for all practical purposes, I think that it is reasonable to expect that most activity in these sets of subplans will be confined to the three lowest interest ones as I’ve suggested here.  Of course, this doesn’t not prevent the adventuresome investor with a LOT of money in his pocket from trying his luck with one of the much more lucrative subplans.

Things work exactly the same way for the next three investment plans, the only difference being that the fifth plan contains six rather than eight subplans.  To save paper, I am only going to list the first three subplans for each of these three plans.

600% after 10 Days

Plan                 Amount                                   Profit

1                      \$10 -\$499                                170%
2                      \$500 – \$999                             190%
3                      \$1,000 – \$2,499                       230%

1,500% After 20 Days

Plan                 Amount                                   Profit

1                      \$10 – \$499                               320%
2                      \$500 – \$999                             400%
3                      \$1,000 – \$2,499                       540%

3,500% After 40 Days

Plan                 Amount                                   Profit

1                      \$10 – \$499                               1,000%
2                      \$500 – \$999                             1,500%
3                      \$1,000 – \$4,999                       2,000%

The VIP plans do not have subplans.

VIP 1    200% After 50 Hours

\$20,000 – \$50,000

VIP 2    1,000% After 8 Days

\$10,000 – \$50,000

Special VIP       3,000% After 30 Days

\$1,000 – \$50,000

Analysis of the Signum Trade Investment Plans.

When we analyze investment plans, we typically determine when they break even and the daily net interest (DNI) that they pay.  As far as breakeven points are concerned, this is simple for the Signum Trade investment plans because the investor doesn’t receive any return at all until a plan ends.  So, that’s when all of the plans break even.  As far as DNI is concerned, this is a somewhat complicated issue.  You will remember that DNI is the total profit that an investment plan pays you averaged out over the length of the plan.  So, since in the Signum Trade investment plans you receive all your profit at the end of a plan, we have to make the BIG assumption when determining DNI that the program will, indeed, survive until the end of the investment plan that we are analyzing.  We will proceed with this assumption in mind…

Beginning with the “150% After 1 Day” plan, we have a very simple situation since the plan is only one day long.  The DNI for that plan will simply be the net profit that the plan provides at the end of the day.  Here is what you get which is the same as the previous chart for this plan but with 100% subtracted from the GROSS interest to give us NET interest:

150% After 1 Day

Plan                 DNI

1                      3%
2                      5%
3                      8%
4                      13%
5                      21%
6                      30%
7                      40%
8                      50%

For the “380% After 5 Days” Plan, since it is five days long, you must divide the total net interest for each subplan by five to get the daily net interest.  For example, in the first subplan, you divide 18 by 5 to get a DNI of 3.6%.  Repeating this arithmetic for all the subplans in the 380% After 5 Days Plan, you get the following:

350% After 5 Days

Plan                 DNI

1                      3.6%
2                      6%
3                      9.6%
4                      16%
5                      27%
6                      34%
7                      46%
8                      56%

OK, to wrap this up, I’m going to list the DNIs for all of the Signum Trade investment plans and subplans that we already listed in the charts in the previous section of this review:

600% After 10 Days

Plan                 DNI

1                      7%
2                      9%
3                      13%

1,500% After 20 Days

Plan                 DNI

1                      11%
2                      15%
3                      22%

3,500% After 40 Days

Plan                 DNI

1                      22.5%
2                      35%
3                      47.5%

VIP 1   200% After 50 Hours                DNI = 91%

VIP 2    1,000% After 8 Days               DNI = 112%

Special VIP   3,000% After 30 Days     DNI = 97%

OK, we have a LOT of numbers to sort through here. And, that’s what we’ll try to do in Part 2 of this review in an effort to come up with some thoughts on the pros and cons on the very interesting investment SignumTrade online investment program. Part 2 should be available in a day or two.  Please stand by…

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