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The E-Commerces Investment Plans.

In our recent “First Thoughts” article about the E-Commerces investment program, we briefly summarized the programs two investment plans in the following way:

For the investor, E-Commerces offers two easy-to-understand investment plans.  The first pays 20% per day for 10 days and includes your investment as part of the return.  The second pays a flat 140% after five days (and also includes your investment as part of the return).

There is only a little bit more to know about the plans.  Here’s the essential information:

Plan #1
20% per day for 10 days
.001 – .049 BTC
Investment included as part of your daily return

Plan #2
140% after 5 days
.049 – 10 BTC
Investment included as part of the return

Analysis of the E-Commerces Investment Plans.

First, let’s determine when each of the investment plans break even.  For Plan #1, dividing 100% by the 20% return that you receive, you see that you will break even in exactly five days — halfway through the investment plan.  For Plan #2, since you don’t receive any return until the plan ends in five days, that’s also when you will break even.

Next, let’s determine the average daily net interest (DNI) that you will earn from each of the two investment plans.  For Plan #1, the total GROSS interest that you will earn is the daily gross interest of 20% times the 10-day length of the plan, or 200%.  Subtracting 100% from this because it includes your investment, you get a total NET interest of 100%.  Finally, dividing this by the 10-day length of the plan, you get a DNI of 10%.  For Plan #2, the total GROSS return is 140%.  Subtracting 100% from this, you get a total NET return of 40%.  Dividing this by the five-day length of the plan, you get a DNI of 8%.

In summary, here is what we have found out so far:

Plan       DNI        Days to Break Even

#1           10%        5 days
#2           8%          5 days

Discussion.

The minimum investment required for Plan #1 is very modest — roughly $8, using the present exchange rate between Bitcoin and USD.  For Plan #2, the minimum converts to around $400.  This should be doable for most investors.  So, both plans are probably within reach of the serious HYIP investor.

Both plans break even in five days.  For Plan #1, you continue to receive earnings for another five days until you have doubled your money — for a 100% net profit.  For Plan #2, your flat return after five days includes a 40% net profit.  So, if you continued this plan for another five days to make it equivalent in length to Plan #1, you would have received a net profit of 80% — compared to the 100% for Plan #1.

Based on their DNIs, you can see that Plan #1 is more profitable that Plan #2.  However, Plan #2 has the advantage that is a shorter-term plan and you will receive your profit more quickly.  Still another point of view is that, since you recover your investment at 20% per day in Plan #1, you will have less to lose in case of early closure of the program.  So, the choice of investment plan will probably be based mostly on the temperament of the investor; there is no clear-cut answer.

Both of the E-Commerces investment plans are extremely profitable and that implies that they might be risky investments.  In HYIP Insights #12, we suggested that programs offering investment plans having DNIs higher than 2% might be at risk of early closure.  Well, the E-Commerces plans are four to five times this!  So, the investor should do his due diligence before investing.  In fairness to the folks at E-Commerces, we must note that they might know something that we DON’T know that will enable them to sustain these high level returns on a long-term basis.  We hope this is the case.  Time will tell…

Earnings Examples.

Let’s assume an investment of $400 as an example in each of the two investment plans and compare what happens in each case.  This amount is right at the maximum for Plan #1 and the minimum for Plan #2.

For Plan #1, you will earn 20% of $400 or $80 (.2 x 400) every day.  After five days you will have earned $400 (5 x 80) and will have broken even.  By the end of the plan, after 10 days, you will have earned $800 (10 x 80), for a net profit of $400 (800 – 400).  So, you have doubled your money in only 10 days!

For Plan #2, you will earn a flat 140% of the $400 investment five days later for a gross return of $560 (1.4 x 400) and a net profit of $160 (560 – 400).  If you made this investment again, to bring the total days you are investing in up to 10 like Plan #1, your total net interest would come to $320 (2 x 160) which, as we predicted, is 80% of the net interest for Plan #1 (320/400 x 100).

Of course, you can get these same results for total net profit using the DNI for each plan…

Plan #1:  $400 x .1 x 10 days = $400
Plan #2:  $400 x .08 x 5 days = $160

Conclusions.

E-Commerces offers two very lucrative investment plans.  Along with their high earning power probably comes high risk.  There is no clear-cut advantage of one plan over the other and the choice of plan will probably depend on a person’s “investment personality.”  Both plans would appear to be most suited to the adventuresome investor who would like to make maximum profits in a short period of time.  They will probably not be the “cup of tea” for the conservative investor.

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