This project was moved on PROBLEM status! Do NOT invest there anymore..

NOTICE!

Shortly after we began our review of this program, its name was changed from Capiton Fund to Capward Bull. The reason, apparently, was related to some internal politics within the program administration. The important thing for investors is that all information, data, etc. has been moved to the new website and everything is working perfectly. The investment plans have not been changed. Only a new name…

Discussion.

In Part 1 of this review, we spent a lot of time analyzing the Capward Bull investment plans.  You will recall that this was a bit tricky to do because some of them counted time in working days while others counted time in calendar days.  However, we got things done and, now it’s time to discuss the results of our analysis.  To make this more understandable to  the reader, I’m going to repeat the basic information about the four plans here as well as what we found out about them when we analyzed them.

Here’s the basic information about the plans:

  • Silver Plan
  • 5% daily for 24 WORKING days
  • $10 – $100,000
  • Gold Plan
  • 6% daily for 21 CALENDAR days
  • $50 – $100,000
  • VIP Plan
  • 7% daily for 21 WORKING days
  • $200 – $100,000
  • Platinum Plan
  • 110% after 14 CALENDAR days
  • $10 – $100,000

Here are their breakeven points:

  • Plan                 Plan Length (calendar days)   Break Even (calendar days)
  • Silver               33 days                                    28 days
  • Gold                 21 days                                    17 days
  • VIP                   29 days                                    21 days
  • Platinum          14 days                                    14 days

Here are their DNIs:

  • Plan                 DNI
  • Silver               0.61%
  • Gold                 1.24%
  • VIP                   1.62%
  • Platinum          0.71%

I should begin by noting that it is a very unusual — and probably equally confusing to the investor — to have two plans that operate based on working days and two that operate based on calendar days.  It does look like the result of this (as we have indicated in Part 1) is a very logical set on investment plans (as far as their DNIs are concerned).  However, I suspect that the same result could have been achieved by having all of the plans be based on working days or on calendar days and then adjusting interest rates to achieve the desired results.  I know that I could have done this.  And, I’m an engineer, not a financial expert — as I’m sure the administrators of Capward Bull claim to be.  For example, for the Silver Plan, if it were to pay 4.8% for 24 calendar days, the DNI would be 0.63% — which is close enough to the value of 0.61% the plan uses now.  Always keep things simple!

The first three investment plans are the best TYPE of plan because they enable the investor to recover his investment and break even before the plan will end.  Because his investment is being returned on a daily basis along with his earnings, the portion of his investment that is at risk decreases daily as the plan moves along.  The fourth investment plan, the Platinum Plan, is the worst kind of plan is the worst kind of plan because the investor doesn’t receive any return at all until the plan ends.  Thus, both his earnings and investment are at risk for the entire length of the investment plan; the investor must “bite his nails” every day of the plan.

The minimum investment requirements of all the investment plans are all within reach of the halfway serious investor.   So, unless he has extreme financial limitations, he can make a determination of which plan to invest in as a result of the merits of the plan rather than the dollars in his pocketbook.

The DNIs of all the investment plans are less than 2%.  This is a rough cutoff point that we suggested in HYIP Insights #12 for when the survivability of a program might start to be at risk.  This is only a suggestion; it is obviously not a rule.  However, it is reassuring to encounter an investment program that has ALL of its investment plans within this suggested safety zone.  After all, the most important thing on the mind of the investor is WHEN a program will close.

Low risk always goes along with low profit.  So, exactly how much money can you make with the Capward Bull investment plans?  If you multiply DNI by seven (the number of days in a week), you will get the average weekly income that each of the investment plans will pay you.  Here’s what you will get if you do this arithmetic:

  • Plan                 Average Weekly Net Profit
  • Silver               4.27%
  • Gold                 8.68%
  • VIP                   11.34%
  • Platinum          4.97%

You will have to be the judge as to whether or not these levels of profit will keep you happy. 

Which is the best investment plan?  A far as profitability is concerned, the VIP Plan is certainly the winner.  Is there anything WRONG with this investment plan?  The only negative point might be that it is 29 days long (roughly four weeks).  The Gold Plan, which is also quite profitable, is only three weeks long.  However, the VIP Plan breaks even in 21 days while the Gold Plan breaks even in 17 — which is pretty close.  The point might be that, if you can afford the $200 minimum investment and are willing to risk it for a few extra days, the VIP Plan might be the way to go.  The Silver plan is only half as profitable as the Gold Plan and it is also a longer plan.  There isn’t much to be said for it unless you can’t afford the minimum investment of either the Gold or VIP Plans.  The Platinum Plan is another story.  Its strong point is that it is only two weeks long.  So, if an investor is seriously concerned that the program might close very quickly, this might be the alternative he would choose.  However, 100% of a person’s investment is at risk for the entire duration of this investment plan.  The Gold Plan is a far more lucrative investment plan and the investor will recover his investment on a daily basis and, ultimately, break even in only 17 days.  As a specific example, if the program should close in 13 days, an investor in the Platinum plan would lose everything.  The investor in the Gold Plan would have recovered roughly three fourths of his investment.

Earnings Examples.

Let’s compare what will happen with an investment of $100 in these two investment plans — the Gold Plan and the Platinum Plan.  Both of them happen to “count” in calendar days.  So, that will simplify things for us.

For the Gold Plan, you will earn 6% daily, or $6.  You can see that, after 17 days, you will have earned $102 (6 x 17) and you will have broken even.  By the time the plan ends, after 21 days, you will have earned a total of $126, for a net profit of $26.

For the Platinum Plan, you will receive a one-shot return of 110% or $110 after 14 days, for a net profit of $10.

So, the Gold Plan is a lot more profitable, both because it is a week longer and because it has a higher DNI (1.24% vs 0.71%).

Conclusions.

Capward Bull offers four investment plans.  They can be confusing because two of them refer to calendar days and two refer to working days.  However, in spite of the confusion this might cause the investor, the plans appear to me well-thought-out, offering profit levels that are lucrative, yet not SO lucrative that the program will be at risk of early closure.  Minimum investments are fairly low, so the investor is pretty much free to take advantage of any of the investment plans that he is interested in.  This program has the potential for long-term survival and should appeal to a wide range of investors.

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