The Synergists Ltd Investment Plan.

In our recent “First Thoughts” article about Synergists Ltd, we gave the following very brief — but complete — description of the company’s investment plan:

For the investor, Synergists Ltd offers a single very easy-to-understand investment plan.  It pays 2% daily gross interest for 150 calendar days.  This return includes your investment and there is a $10 minimum investment.  There is no cap on the maximum.

Analysis of the Synergists Ltd Investment Plan.

If you divide 100% by the 2% gross interest that you receive every day, you find out that you will have recovered all of your investment (broken even) in exactly 50 days.  The total gross interest that you will receive from this investment plan will equal the daily gross interest of 2% times the 150-day length of the investment plan, or 300%.  Since your investment is included in this return, you must subtract 100% from it to get the total net interest that the plan will pay you, or 200%.  Finally, averaging this out over the 150-day length of the plan by dividing by 150, you get that the plan pays you and average daily net interest (DNI) of 1.33%. 

So, in summary, we have an investment plan that is 150 days long (five months) and that breaks even after 50 days (around one and two thirds months).  After breaking even, you will earn “pure profit” for the remainder of the duration of the investment plan which is 100 days (around three and one third months).  This appears to be an investment plan with potential for long-term survival — which, of course, is what we all hope for in an HYIP.  Is there a way that we can be sure of this?

The quick answer is “NO!”  However, we can use our heads and carefully see how an investment plan compares to a model of what we feel a good investment plan should look like.  Back in HYIP Insights #21, in an article entitled “A Safe Investment Guide,” we proposed such a model.  This will be a little bit long.  However, it’s important and I’m going to repeat the six “rules” that are the meat of that article here:

1. We will assume that ALL HYIPs will close.  This is the case 99% of the time.  So, we must not hold out the hope of long-term survival when experience tells us otherwise.  Furthermore, we will assume that most will close WITHIN A MONTH or two.  This, also, is the unfortunate lesson of experience.

2. We will only invest in HYIPs that return your interest as part of your earnings.  In this manner, you will begin to recover your investment IMMEDIATELY after investing.  You can never lose ALL of your investment.  This is extremely important.  We discussed it in detail in HYIP Insights #18.

3. We will only invest in programs within ONE WEEK of their opening date online.  This helps guard against the typical early closure associated with most HYIPs.  The clock is ticking the minute a program begins.  So, it is very important to keep in touch with monitors such as EmilyNews and only invest in programs shortly after they get up and running.

4. We will only invest in an investment plan ONE TIME.  No reinvesting or compounding.  This decreases the risk associated with early closing.

5. We will NOT invest in programs offering investment plans that have daily net interests (DNIs) greater than 2%.  See HYIP Insights #12 for a detailed discussion of this.  An exception to this rule might be when a program offers an investment plan where the minimum investment required for this higher interest plan is so high that probably no one will use it.

6. We will only invest in programs that break even in LESS THAN one month.  This minimizes the time your investment is at risk.

These investment criteria are very stringent; they will probably eliminate half of the investment programs that are online right now!  HOWEVER, THE IDEA IS TO PLAY IT VERY SAFE AND TO WIN MORE OFTEN THAN YOU LOSE.

In Part 2 of this review we’ll discuss the pros and cons of the Synergists Ltd investment plan and, in the process, see how it stacks up against these suggested “rules” for safe HYIP investment.  This should be interesting.  Please stand by.  Part 2 will be ready in a few days.

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