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

Discussion.

Before we discuss the EQTrade investment plans, let’s repeat what we know about them for handy reference in what follows.  This includes what the company website says about them as well as what we found out about them in Part 1 of this review.

• Plan #1
• 4% daily for 50 working days
• .01 – .49 BTC
• Plan #2
• 5% daily for 40 working days
• .5 – 4.99 BTC
• Plan #3
• 6% daily for 30 working days
• 5 – 100 BTC
• Plan     Breakeven Point
• #1        35 days
• #2        28 days
• #3        20 days
• Plan                 DNI
• #1                    1.45%
• #2                    1.82%
• #3                    2.86%

Something that we pointed out in our “First Thoughts” article about the EQTrade investment plans is the rather high minimum investments that they require.  Specifically, assuming that one BTC is roughly equal to \$10,000, the minimum investments are:

• Plan                 Minimum Investment
• #1                    \$100
• #2                    \$5,000
• #3                    \$50,000

For Plan #1, a \$100 is higher than is usually the case for a program’s entry level investment plan.  However, if an investor is halfway serious, he should be able to come up with this amount.  Plans #2 and #3 are a different story.  In general, we advise against investing large sums of money in ANY online investment program.  Certainly, an investment of \$5,000 or more is in this category.  So, in what follows, I won’t discuss Plans #2 or #3 further.  However, if the reader is firmly convinced that EQTrade is a safe investment (as safe as his local bank or purchasing shares in the stock market!), he can easily repeat the same arithmetic that we will go through for Plan #1 for the two higher interest investment plans in order to find out how they will work.

So, we will be considering EQTrade as though it is a one-investment-plan company with the plan paying 4% daily for 50 working days (which takes around 69 calendar days).  The plan breaks even in 35 calendar days and has a DNI of 1.45%.

Let’s look at the most important thing first — DNI.  DNI tells you the average profit an investment plan pays you on a calendar day basis.  If you multiply this amount by seven, you obviously get the average weekly profit the investment plan will pay you.  In this case, it is slightly over 10%.  It is worth noting that, in HYIP Insights #23, we suggested that a weekly profit between of between 5% and 10% might be the right range to look for if you are looking for a program that provides adequate profit without excessive danger that it might close up shop prematurely.

Of course, the higher interest investment plans that EQTrade offers might increase the obligation the company has to pay high returns and thereby increase the probability that the program might close early.  However, as we already indicated, the minimum investments required for these plans are so high that I believe they will be used by very few investors.

Plan #1 is 69 calendar days long and breaks even halfway through it — in 35 calendar days.  I feel that both these figures are acceptable (I would start to get nervous if they were much higher).  Two months isn’t an excessively long time and one month to break even is also reasonable.  It is also worth noting that you are recovering your investment at the rate of 4% per working day.  So, every day the portion of your investment that is at risk decreases.  After slightly more than two weeks, you will have recovered half of your investment.  In short, this is the best TYPE of investment plan.

Earnings Example.

Let’s assume that you make the minimum investment of \$100 in this investment plan and see what will happen.  You will earn 4% of this or \$4 every working day.  Dividing \$100 by \$4, you can see that you will break even in 25 working days.  Multiplying this by our 30/22 conversion factor, you can see that this comes out to around 35 calendar days — as we expected.  By the end of the investment plan, after 50 working days (which works out to be 70 calendar days), you will have earned a total of \$200 (4 x 50), for a net profit of \$100.  So, the investment plan enables you to double your money in 70 days.  Sounds pretty good to me…

Conclusions.

EQTrade offers three investment plans.  However, because of the high minimum investment requirements, only the lowest interest plan will be within the reach of most investors.  This plan provides a return that is more than satisfactory while still being within the range that might enable to program to be a long-term survivor.

I hope this information is helpful.

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