**The Quadrolate Investment Plans.**

In our recent “First Thoughts” article about Quadrolate, we introduced their investment plans in the following way:

For the investor, Quadrolate offers two very different investment plans. One plan is what we refer to as a “perpetual” plan and continues to pay interest forever once a deposit is made. The investor can terminate the process whenever he wants and get a refund of his deposit, but he will have to forfeit 25% of his deposit. The other plan provides a one-shot return of 115% after 10 days. Very different investment plans!

One additional thing we should have mentioned is that the minimum investment for both of the plans is a very affordable $10.

Here’s the complete information on the two investment plans in a less wordy format…

- Plan #1
- 115% after 10 days
- $10 and up

- Plan #2
- 3.6% daily forever
- $10 and up

**Analysis of the Quadrolate Investment Plans.**

Plan #1 is easy to analyze. Since you don’t receive a penny from it until the end of the plan, that’s when you will break even — after 10 days. Your total net interest (profit) from the plan is obviously 15%. If you average this out over the 10-day length of the plan by dividing by 10, you come up with an average daily net interest (DNI) of 1.5%

In Plan #2, you recover 3.6% of your investment per day. If you divide 100% by 3.6%, you find that you will recover all of your investment (break even) in 28 days — roughly one month. Determination of DNI for this investment plan is a bit more complicated since DNI depends on BOTH the daily gross interest you earn as well as the length of the investment plan. Well, for a “perpetual” plan such as this, the length of the plan is unknown. It might be three weeks; it might be three months; it might even be three years! So, the best we can do is to ASSUME different lifetimes for the plan and determine the DNI for each of them. Let’s do this by assuming 2, 4, 6, and 12-month lifetimes. And, then we will discuss how things would work out if the program should survive longer than that. Of course, it is also possible that the program might not even survive for two months. However, we will assume that the administrators of Quadrolate have things worked out so that this will at least be the case.

OK, for an assumed plan length of two months (60 days), the total GROSS interest that you will earn from the investment plan will be 60 times the daily gross interest of 3.6%, or 216%. Since this includes your investment, you must subtract 100% from it to get your total NET interest which will be 116%. Finally, averaging this out over the 60-day assumed length of the investment by dividing by 60, you get an average daily net interest (DNI) of 1.93%. If you do the same arithmetic for the other assumed lifetimes of the program, you will get the following results:

- Assumed Lifetime DNI
- 60 days 1.93%
- 120 days 2.77%
- 180 days 3.04%
- 360 days 3.32%

You can see that, initially, your average daily profit (DNI) increases very rapidly. For example, it increases by around 50% between 60 and 120 days. Then, as time goes on, it continues to increase, but at a decreasing rate. You can see that, after a year, the increase is really slowing down and, if we had done this arithmetic for even longer assumed program lifetimes, we would have found out (as you probably expected) that your daily profit will come closer and closer to the daily gross interest of 3.6%.

OK, perpetual programs such as this are very interesting and we will have a lot more to say about them (in general and this one in particular) in Part 2 of this review. Please stand by. Part 2 should be ready in a few more days.

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