This program moved to CLOSED! Beware and do NOT invest there anymore!

The Coin Finance Investment Plans.

We just published a “First Thoughts” article about Coin Finance.  Here’s what we said in it about the company’s investment plans…

Coin Finance offers two investment plans for the online investor.  Both of them pay interest daily and return your investment as part of your earnings.  Here are the specifics for the two plans:”

  • Plan #1
  • 15% daily for 10 days
  • 0.001 – 0.024 BTC
  • Plan #2
  • 20% daily for 10 days
  • 0.025 – 0.3 BTC

Analysis of the Coin Finance Investment Plans.

Due to the high interests that these two investment plans pay, they will break even very quickly.  Looking at Plan #1, if you divide 100% by the daily return of 15%, you find that the plan will break even in seven days.  Doing the same division for Plan #2, you find a breakeven point of only five days.

The total GROSS interest that you will earn for Plan #1 will equal the daily return of 15% times the 10-day length of the plan, or 150%.  Since this includes a person’s investment, you must subtract 100% to get the total NET interest which will be 50%.  Finally, dividing this by the 10-day length of the plan, you get an average daily net interest (DNI) of 5%.  If you do the same calculations for Plan #2, you will come up with a total GROSS interest of 200%, a total NET interest of 100%, and a DNI of 10%. 

Discussion.

Since the most striking thing about the Coin Finance investment plans is probably the high returns that they pay, perhaps that is what we should discuss first.  As we already discovered, these high returns of 15% and 20% lead to very short breakeven times.  Taking Plan #2 as the extreme example, since you are recovering 20% of your investment every day, you will have recovered over half of your investment in only three days.  Likewise, for Plan #1, you will have recovered over half of your investment in only four days.  So, a person could easily argue that, since you recover your investment so quickly, the plans aren’t very risky — in spite of the fact that the returns are so high. 

If you multiply the DNIs for the investment plans by seven (the number of days in a week), you will get the average weekly profit that each of the plans pays.  For Plan #1, it works out to 35% and for Plan #2 it works out to 70%.  So, Plan #2 is TWICE as profitable as Plan #1.  So, it would appear to make sense for the investor to use Plan #2.  The minimum investment for this plan is 0.025 BTC which is in the neighborhood of $250.  This would certainly be doable by even the half-serious investor.  So, there is no great deterrent that will keep investors from using Plan #2 (in many investment programs, the higher interest investment plans have minimum investments that are high enough to limit the number of investors).

Finally, to put all this in another day, for Plan #2, since you make a total NET interest of 100% in the 10-day investment period, that’s another way of saying that the plan allows the investor to DOUBLE HIS MONEY during this time period.  Since this is only 10 days, we are obviously talking about a very lucrative investment plan.

All this said, it should be obvious that, the higher the returns you receive from an investment program, the riskier it becomes.  This is common sense; no fancy financial analysis is necessary.  Simply stated, it is harder for a program to pay you a high return than a low one.  Period!  So, given that the Coin Finance investment plans pay very high returns, it follows that the program is a risky one to get involved with.

Way back in HYIP Insights #12, we attempted to put numbers on all this.  As a result of the analyses that we went through in that article, we arrived at the suggestion that programs offering investment plans with DNIs higher than around 2% might not be good candidates for long-term survival.  Obviously, the Coin Finance investment plans are in that group. 

This is the way we see things.  However, a lot of this is our opinion.  The person considering investing with Coin Finance should carefully weigh the pros and cons of the program in an effort to make a wise investment decision.

Earnings Example.

Let’s assume that we are big spenders and that we invest $500 in Plan #2.  What will happen to our investment?  Well, we will receive 20% of this as a daily return, or $100 (.2 x 500).  You can easily see that, in only five days, we will have received $500 back and will have broken even.  This means that, for the second five days in the investment plan, we will be earning “pure profit” and will earn another $500.  So, by the time the plan is over in 10 days, you can see that we will have doubled our money.  Our $500 investment will have resulted in a gross return of $1,000.  Of course, this means that we make a net profit of $500.

Conclusions.

Coin Finance offers two very lucrative investment plans.  Because they are so profitable, they can also be expected to be very risky ventures.  This program will appeal to the investor who is willing to take a chance with the hope of making very large profits in a very short period of time.  It will probably not appeal to the investor looking for a modest long-term source of passive income.

I hope this information is helpful.

REVISION!

As we were about to go to press with this review, we learned that Coin Finance has revised their investment plans in an effort to make the program more sustainable.  This is certainly good news.  We are not changing the review because there are many investors who have already put money into the original investment plans and they will want to see the information about them.  However, what follows will be a sort of mini- review of the new plans.  In it I’ll compare them with the old plans and you will be able to see that the new ones do, indeed, make the program a much more sustainable and, therefore, sensible one. 

The revised investment plans are the same TYPE of plans as the original ones and they retain the same investment limits.  However, the gross daily interests that the plans pay has been decreased and the lengths of the plans have been increased.  Here’s the way the two investment plans look now:

  • Plan #1
  • 10% daily for 15 days
  • 0.001 – 0.024 BTC
  • Plan #2
  • 10% daily for 20 days
  • 0.025 – 0.3 BTC

Since the gross daily interest that the plans now pay is less, it will likewise take longer for the plans to break even.  For a 10% daily return, it is easy to see that both plans will break even in exactly 10 days.  If you go through the arithmetic, you will find that the DNIs for the two investment plans have decreased considerably.  Here’s a table giving the old and new DNIs:

  • Plan                 Old DNI            New DNI
  • #1                    5%                   3.33%
  • #2                    10%                 5%

The bottom line is that the new Coin Finance investment plans are roughly half as profitable as the original ones.  As the administrators of the program suggest, this should do wonders for the survivability of the program.  In spite of this huge decrease in profitability, these investment plans are still very lucrative.  And, along with this, the program is still a bit risky to get involved with.  Please refer to comments that we made in the review above as to why this will be the case.  However, the changes that have been made in the investment plans are a great improvement in the program and cannot help but improve its chances of surviving for a longer period of time than would have originally been the case.

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