The Crypto Harbor Investment Plan.

Crypto Harbor has one very clear investment plan and we described it in detail in our recent “First Thoughts” article about the program.  Here’s what we said about the plan in that article.

For the investor, Crypto Harbor offers one very easy-to-understand investment plan.  It pays you a modest 1% interest per day for 20 working days and your investment is returned at the end of the plan.  The minimum investment is $10 and the maximum is $500.  That’s all there is to it. 

Analysis of the Crypto Harbor Investment Plan.

Perhaps the only somewhat unusual thing about the Crypto Harbor investment plan is that it pays interest on business days rather than on calendar days.  This actually make good sense as, of course, these are the days of the week when most companies make their money.  Well, since there are roughly 22 business days in a 30 calendar day month, we can multiply the 20 business day length of the program by the conversion factor, 30/22, to get the number of calendar days in the program.  The result will be around 28 days — or four weeks.  However, keep in mind that you only receive interest on business days. 

Since you receive 1% interest per business day, by the end of the 20 business day (or 28 calendar day) period, you will have only recovered a total of 20% of your investment.  So, you will obviously not have broken even due to these returns and you will only truly break even at the end of the plan when your investment is returned to you.

Once this happens, you can regard the 20% that you have received as your total net profit for the investment plan.  Averaging this out over the 28 CALENDAR day length of the investment plan by dividing by 28, you come up with an average daily net interest (DNI) of 0.71%.

Discussion.

First of all, we should note the investment limits of the Crypto Harbor investment plan.  The minimum of $10 means that no one is locked out from utilizing the investment plan.  The maximum of $500 implies that the folks at Crypto Harbor aren’t trying to trap a major investor and then, possibly, close the program and run away with the cash box.  We already mentioned this in our First Thoughts article. 

In-so-far-as HYIPs are concerned, with a DNI of only 0.71%, Crypto Harbor will be on the low end of the spectrum with respect to profitability.  Multiplying this DNI by seven (the number of days in a week), you get an average weekly profit of almost exactly 5%.  In HYIP Insights #23, we presented an article entitled, “How Much Profit Makes Sense?”  Our conclusion, or, perhaps, suggestion, was that the investor might want to aim at programs offering investment plans that have weekly profits between 5% and 10%.  This would put Crypto Harbor on the low side of our recommendation.  This isn’t bad at all if a person is aiming for a low-risk program with a good chance of long-term survivability.  It is almost always true that low risk goes along with modest profit — and vice versa.   

Earnings Example.

Let’s assume that we make the maximum investment of $500 in the Crypto Harbor investment plan and take a look at how much we will earn from it.  This is very easy to do.  Your daily earnings from the plan will be 1% of your investment on business days.  This comes to $5 (.01 x 500) per business day (or $25 per week).  After 20 business days (or four weeks), the investment plan will end and you will have earned a total of $100 (4 x 100) which is 20% of your investment.  At this time your $500 investment will be returned to you and the $100 you have earned will become your net profit.  For the investor who might be thinking of Crypto Harbor as a place for a long-term investment, you can see that in 20 weeks (five investment cycles), you will have earned a profit equal to your investment (5 x 100 = 500); you will have doubled your money.  So, we can say that, in less than five months you can double your money.  

Conclusions.

Crypto Harbor offers one investment plan.  By HYIP standards, the interest that it pays you is relatively low.  However, earnings are certainly acceptable and this relatively low return should have the effect of greatly increasing the chances of the program being a long-term survivor.  This program will likely appeal to the conservative investor who would prefer to avoid shorter-term high-profit programs in favor of a longer-term programs that pay a modest return.

I hope this information is helpful.

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