Let’s quickly repeat the information we know about the Quadrolate investment plans. This will make our discussion of them a lot easier…
- Plan #1
- 115% after 10 days
- $10 and up
- Plan #2
- 3.6% daily forever
- $10 and up
- Plan #1
- Break even in 10 days
- DNI = 1.5%
- Plan #2
- Break even in 28 days
- Assumed Lifetime DNI
- 60 days 1.93%
- 120 days 2.77%
- 180 days 3.04%
- 360 days 3.32%
First, a general comment. We have already mentioned this. However, it is important, so it bears repeating. The minimum investment for both investment plans is only $10 which makes them accessible to all online investors. This is much different from many other programs that offer investment plans — often paying a very high return — that have prohibitively high minimum investment requirement.
Plan #1 is very straight forward and is easy to understand. With a DNI if 1.5% it is in the “sweet spot” in-so-far-as our recommendations are concerned. In HYIP Insights #12, we suggested that investment plans with DNIs between 1% and 2% are optimum from the point of view that they offer a satisfactory return but are not so lucrative that the survival of the overall program will be at risk.
Plan #1 is what we refer to as an “after” plan. In general, this type of plan is the riskiest because you do not receive any return at all until the plan ends. In this case, you have to wait 10 days. However, compared to other “after” plans that you can encounter online with lengths of many months, 10 days is a very short waiting time. So, although there is still the risk of losing everything if the program closes prematurely, things could be a lot worse!
Plan #2 is a completely different ballgame. First of all, it is the best TYPE of program in that you begin to recover your investment from “day one.” Every day, the portion of your investment that is at risk decreases by 3.6%. So, after a week, you have recovered a quarter of your investment, etc. This is a comforting thought for the nervous investor. Likewise, the breakeven time for the investment plan is only one month — which is quite reasonable. In HYIP Insights #21, we suggested that a person not put their money into investment plans that break even in more than a month. So, we are OK in this regard as well.
Plan #2 is most interesting from the point of view that it is a “perpetual” investment plan. This is a very attractive idea from the point of view of the investor: you make one deposit and you receive a daily return — forever. This is the same as your bank account. For Quadrolate, your return is 3.6% per day. Here in the US, you cannot earn that much from your bank in one YEAR! The flip side of this advantage is that these perpetual returns provide no relief for the overall program. The more people that sign up, the greater the company’s financial obligation to make daily interest payments. In a typical investment plan, this obligation ends at the end of a plan — which might be 30, 60, etc. days long. So, as time goes on, the risk of a perpetual program closing increases.
What about DNI, the average daily interest or profit that you will make from this program? Well, you break even in one month and, of course, at that time, your DNI is 0%. After two months go by, if you average out your profit over the two-month period, you come up with a DNI of almost 2%. After four months, you are averaging nearly 3%. Your DNI increases only gradually after that and will eventually home in on the daily gross return of 3.6%. This will take over a year. The important point is that, after two months, the DNI for the plan is nearly 2% and it will continue to increase after that. In HYIP Insights #12, we also suggested that programs offering investment plans having DNIs higher than 2% might be at risk of early closure. So, this could be a “red flag” for the Quadrolate investment program. In fairness, we must note that there are a LOT of programs out there — and even listed on Emily News — that offer investment plans with DNIs that are much higher than this. So, it IS possible that with very wise management practices and a good source of income, Quadrolate could prove to be a long-term survivor. You will have to be the judge on this. These are the facts as I see them.
Let’s assume an investment of $100 in each of the two investment plans and see what will happen.
Plan #1 is simple. After 10 days, you will receive a one-shot return of $125, for a net profit of $25.
For Plan #2, you receive a daily return of 3.6% of $3.60. After 28 days you will have received $100.80 and you will have broken even. So, after this, anything that you earn will be “pure profit.” Here are a few examples of how this would go. After 60 days you would have earned $216 (3.6 x 60) and you will $116 ahead. After 180 days you would have earned $648 and you will be $548 ahead. If the program makes it out to a year (360 days), you would have made $1,296 for a net profit of $1,196. So, you can see that perpetual programs like this can be an unbelievably good source of passive income. Imagine that, if you had invested $1,000 instead of $100. You would be netting over $10,000 per year. Of course, these are the dream scenarios that keep HYIP investors very excited. However, ALWAYS remember that investing in an HYIP is a form of gambling (see HYIP Insights #4 for an article about this). You can win big or, on the other hand, you can lose everything!
Quadrolate offers two very different investment plans. One pays a one-shot return of 125% after 10 days while the other pays a “perpetual” return of 3.6% per day. The perpetual plan has the potential of being extremely lucrative if the programs turns out to be a long-term survivor. However, the chances of this happening become less likely as time goes on.
I hope this information is helpful.
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