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The ConCave Investment Plans.

In our “First Thoughts” article about ConCave we included a complete description of the company’s investment plans which I’ll repeat here:

“For the online investor, ConCave offers two investment plans.  They both pay interest daily and return your investment as part of your earnings.  Here is the complete information on each of the two plans:”

  • Plan A
  • 15% daily for 10 days
  • 0.001 – 0.02 BTC
  • Plan B
  • 20% daily for 10 days
  • 0.021 – 0.5 BTC

Analysis of the Concave Investment Plans.

Because of the high interest rates that the investment plans offer, they will break even very quickly.  For Plan A, if you divide 100% by the daily 15% return, you find that you will break even in seven days.  For Plan B, if you do the same division, you will come up with a breakeven point of only five days.

The total GROSS interest that you will receive from Plan A will be the daily gross interest of 15% times the 10-day length of the plan, or 150%.  To get the total NET interest that you will receive, you must subtract 100% from this to get 50%.  Finally, if you average this out over the length of the 10-day investment plan by dividing by 10, you will come up with an average daily net interest (DNI) of 5%.  If you do the same arithmetic for Plan B, you will come up with a DNI of 10%.

In summary, we have the following:

  • Plan                 DNI                  Break Even
  • A                      5%                   7 days
  • B                      10%                 5 days

Discussion.

The strong point of these investment plans is that they are very lucrative.  If multiply their DNIs by seven to get the average weekly profit that the plans will pay, you come up with 35% and 70% which, of course, are very high.  To make the plans even more attractive, you are recovering your investment at a very quick pace.  For Plan A, you break even in seven days and, for Plan B, you break even in only five days.  This is the obvious advantage of a very high daily gross return.  Investment plans such as this that return your investment as part of your earnings are the best TYPE of investment plan. 

The flip side of high profit is always high risk.  If a company promises you a high return, it puts its survival at risk because it is obviously more difficult for it to pay a high return than a low one.  Back in the article in HYIP Insights #12, we attempted to put numbers on all this and the result of our analysis was that the suggestion that the long-term survival of programs offering investment plans having DNIs higher than around 2% might be at risk.  Clearly, with investment plans having DNIs of 5% and 10%, ConCave is in this group.  This said, we must emphasize that this is only our “suggestion.”  We might be wrong and, for the sake of investors with ConCave, we would be very happy if this turns out to be the case.  However, we feel that we must present our opinions no matter whether they are pro or con.  The investor must decide what to do with the information that we provide.

We should note the minimum investments that the two plans require.  Plan A only requires 0.001 BTC or around $10.  Anyone can afford that.  Plan B requires 0.02 BTC or around $200.  This is slightly more but should be affordable to the serious investor.  So, unlike a number of other online investment programs, there is no high minimum investment that locks investors out of a high interest investment plan.  From one point of view, this is an attractive feature.  From another point of view, since there are apt to be a large number of investors in the higher interest investment plan due to its affordability, the burden on the company to make high interest payments will be increased.   

Earnings Example.

With these thoughts in mind, let’s assume that you can come up with the minimum investment of 0.02 BTC (actually 0.021 BTC; but let’s deal with round numbers) for Plan B and see what will happen.  Depending on the value of Bitcoin, this will translate to somewhere around $200 (as we already indicated).  A return of 20% per day will equate to $40 per day (.2 x 200).  So, you can see that, after five days, you will have received $200 and will have broken even.  After 10 days, you will have earned a total of $400 (10 x 40), for a net profit of $200.  So, in 10 days you double your money!  It’s hard to beat that!

Conclusions.

ConCave offers two very lucrative short-term investment plans that are accessible by means of a Telegram bot.  Because of their high returns, the investor will recover his investment very quickly. Also because of the high interests that are paid, this program is probably a risky venture.  The adventuresome investor will like ConCave because of the possibility of earning massive profits in a very short time.  On the other hand, the conservative investor, looking for a more secure and modest long-term source of passive income, will probably not be attracted to the program.

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