This program moved to PROBLEM! Do NOT invest there..!

Discussion.

In Part 1 of this review of WhalesClub, we analyzed their three investment plans and determined when each of them will break even as well as the average daily net interest (DNI) that each of them will pay.  Here’s a summary of this information as well as the basic information about each of the investment plans:

Flat Rate Plan
5% daily for 33 business days
\$30 – \$10,000
Investment included in daily returns
Break even = 28 calendar days
DNI = 1.44%

Balanced Portfolio Plan
125% after 20 calendar days
\$30 – \$3,000
Investment included as part of return
Break even = 20 calendar days
DNI = 1.25%

Extreme Volatility Plan
2% – 5% for 100 business days
\$5,000 – \$100,000
Earnings paid and investment returned at conclusion of plan
Break even = 137 calendar days
DNI = 1.46%

The one thing that the three WhalesClub investment plans have in common is their DNI, the average daily net interest that you can earn from each of them.  The Flat Rate and Extreme Plans have DNIs of 1.44% and 1.46%, respectively — which are just about the same.  The Balanced Plan has a DNI of 1.25% which is in the same ballpark.  It is important to keep in mind that, since the Extreme Plan pays a variable interest rate, this figure might not be accurate.  Remember that we used a 3% daily (on business days) rate to determine it because this is the rate that is used in the online calculator.  However, with a rate that can fluctuate between 2% and 5%, there is the possibility for a greater DNI.  There is no answer to this question and I feel that our estimate is probably safe.  As the saying goes, “it’s better to be safe than sorry.”

DNIs in this range offer satisfactory profits and, at least in the HYIP business, might suggest that the program can survive in the long term.  Specifically, to round things off, if you have a DNI of 1.5% and multiply it by seven, the number of days in a week, this comes to an average weekly net return of 10.5%.  A DNI of 1.25% corresponds to almost 9% per week.  These levels of income would certainly seem to be satisfactory to all investors except those seeking a very high short-term return.  They are also in line with our recommendation in HYIP Insights #23.

Although the three WhalesClub investment plans have DNIs that are in the same ballpark, they differ radically in other respects.  The most glaring one is their break even points.  Here, the Extreme Plan, with a break even point of four and a half months, is MUCH greater than the other two plans having break even points of a month or less.  In fact, since the investor in the Extreme Plan doesn’t receive any return at all until the plan ends, it is an extremely risky plan.  Furthermore, since the DNIs of all the plans are so close, there would seem to be no incentive for the investor to use the Extreme Plan at all.  If it offered a much higher interest rate, the temptation to use the plan would be there.  However, as things stand now, it might not make sense for the investor to use this plan.

So, it comes down to a comparison of the Flat Rate and Balanced Plans.

In general, the Flat Rate Plan is the best TYPE of plan.  Your investment is being returned to you on a daily basis and at a respectable rate (5% per business day in this case).  So, as we already indicated, this plan breaks even in 28 days.  More significantly, since you are receiving a return on a daily basis, after only 14 days, you will have recovered half your investment — and so on for any other time period before you break even.

The Balanced Plan doesn’t pay you anything until the plan ends after 20 calendar days.  So, there is a three-week period during which the investor must “bite his nails” hoping that the program doesn’t close prematurely.  So, this a riskier TYPE of plan than the Flat Rate Plan.  As far as earnings potential go, it is also less profitable since its DNI is less.  The only thing this plan might have going for it is that it is roughly half as long.  So, is a choice between shorter investment period vs. daily income at a higher rate.  This choice would depend on the personality of the investor.

Earnings Examples.

Let’s compare what would happen if we make a \$100 investment in both the Flat Rate and Balanced Plans.

For the Flat Rate Plan, we would receive a return of 5% or \$5 on every business day.  You can see that, after 20 business days, you would have received \$100 and would have broken even.  After the 33 business day term of the investment plan is over, you would have received a total of \$165 — for a net profit of \$65.  Remember that 33 business days is equivalent to roughly 45 calendar days.

For the Balanced Plan, you simply receive 125% of your investment 20 calendar days later.  This would be \$125 — for a net profit of \$25.

The Flat Rate Plan is 45 calendar days long whereas the Balanced Plan is 20 calendar days long.  Roughly speaking, you can say that the Flat Rate Plan is twice as long as the Balanced Plan.  So, you could invest in the Balanced Plan two times in the time it takes to complete the Flat Rate Plan.  Twice the profit from the Balanced Plan would be \$50 compared to the \$65 profit for the Flat Rate Plan.  It took 45 calendar days to earn the Flat Rate amount compared to 40 days for the Balanced amount.

Conclusions.

WhalesClub offers three investment plans.  All of them are equally profitable and have the potential to be long term survivors.  However, owing to its long term and to the fact that it doesn’t pay a return for over four months, the Extreme Plan appears to be much riskier than the other two plans.  The choice of which of the other two plans an investor might use will depend largely on his investment temperament as there are pros and cons to each of them.

I hope this information is helpful.

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