This project was moved on PROBLEM status! Beware and Check further updates..

Discussion.

Let’s begin our discussion of the Coininja investment plans by repeating what we know about them, both from information on the website, as well as from what we found out in our analysis of them in Part 1 of this review.

Here is the basic information on the investment plans from the website:

Principal Included as Part of Daily Returns (least risk)

  • Saiga Plan
  • 6% daily for 26 days
  • $10 – $1,800
  • Shinto Plan
  • 7% daily for 21 days
  • $1,800 – $6,000
  • Negoro Plan
  • 10% daily for 16 days
  • $6,000 – $60,000

Daily Returns with Principal Returned at End of Plan (medium risk)

  • Kogo Plan
  • 2.2% daily for 16 days
  • $10 – $1,800
  • Iga Plan
  • 2.5% daily for 21 days
  • $1,800 – $6,000
  • Fuma Plan
  • 3.0% daily for 26 days
  • $6,000 – $60,000

Principal and Earnings Returned at End of Plan (highest risk)

  • VIP-1 Plan
  • 1,800% after 6 days
  • $60,000 – $600,000
  • VIP-2 Plan
  • 3,000% after 9 days
  • $60,000 – $600,000

Here is the information from our analysis of the investment plans giving days to break even and DNI:

  • Plan                 Days to Break Even
  • Saiga               17
  • Shinto              15
  • Negoro            10
  • Kogo                16
  • Iga                   21
  • Fuma               26
  • VIP-1                6
  • VIP-2                9
  • Plan                 DNI
  • Saiga               2.15%
  • Shinto              2.24%
  • Negoro            3.75%
  • Kogo                2.2%
  • Iga                   2.5%
  • Fuma               3.0%
  • VIP-1                283%
  • VIP-2                322%

Back in our “First Thoughts” article about Coininja, we noted the high minimum investments required for most of the company’s investment plan offerings.  Two require $20,000; two require $6,000, and two require $1,600.  Only two are within the reach of the typical online investor with a minimum of $10.  Our usual recommendation to folks thinking about investing in an HYIP is NOT to invest large sums of money in ANY online investment program unless you are firmly convinced that the company is just as reliable as a corporation selling shares of its stock on a public exchange.  Sadly, few, if any, HYIPs are in this category.  So, with this thought in mind, we would caution the online investor against investing in the plans offered by Coininja that require high minimum investments unless he has an exceptional level of confidence in the company.

Furthermore, with respect to the VIP-1 and VIP-2 investment plans, we have seen in Part 1 of this review that, in addition to requiring a huge $20,000 minimum investment, they promise returns that are SO excessive it is hard to believe they are real.  So, these two plans are probably reserved for individuals who might have a spare $20,000 in their pocket that they are willing to gamble with the slim hope that they will be paid the exorbitant profits that these plans promise.

With all these thoughts in mind, it would seem that we should devote our attention to the two Coininja investment plans that only require a minimum investment of $10.  A side point is that, if almost everyone thinks this way, the plans with higher minimum investments, which also are the ones that promise the higher returns, will only be used rarely.  This will decrease the obligation of the company to pay high returns which could greatly improve the chances for long-term survivability of the overall program.  I would hope that this is the way things work out for Coininja.

Assuming that things do, indeed, work out this way, we have the Saiga Plan which returns your investment as part of your earnings and the Kogo Plan which returns your investment at the end of the investment plan.  Both of these plans pay a daily return.  Following is a summary of the information about them:

  • Saiga Plan
  • 6% daily for 26 days
  • $10 – $1,800
  • Break Even = 17
  • DNI = 2.15%
  • Kogo Plan
  • 2.2% daily for 16 days
  • $10 – $1,800
  • Break Even = 16
  • DNI = 2.2%

When you reduce the program to these two investment plans, you quickly realize that it is difficult to decide which one is better.  All I can do is attempt to point out the pros and cons of each of them and you will have to be the judge.  Your final decision may be a matter of taste more than absolute merit. 

As far as profitability goes, the two plans are very close with DNIs of 2.15% and 2.2%.  Multiplying by seven (days per week), these translate to roughly 15% per week — which should keep most online investors happy.

The flip side of profitability is risk.  The higher the DNI that is promised, the riskier a program will be.  In fact, in HYIP Insights #12, we suggested that programs offering investment plans with DNIs higher than 2% might be at risk of closing prematurely.  This is only our “suggestion.”  However, it should at least warn the investor to be cautious because both of these plans have DNIs slightly higher than this. 

There are other points of view with respect to risk.  Both plans break even in just about the same number of days.  However, the Saiga Plan pays a much higher return.  So, the portion of your investment that will be at risk before you break even decreases very quickly, much more quickly than the Kogo Plan.  On the other hand, the Kogo Plan ends when it breaks even and, at that time, your investment is returned to you as a lump sum.  The Saiga Plan is 10 days longer and you don’t start making “pure profit” until after you break even and the daily returns continue to roll in.  So, although you recover your investment more quickly with the Saiga Plan, since it is 10 days longer, you have to wait that much longer to see your profits. 

Perhaps the best way to see how all this works out is by means of a specific earnings example.  That’s what we’ll do next.

Earnings Example.

Let’s assume an investment of $100 in both the Saiga and Kogo Plans and see what happens.

In the Saiga Plan, you will receive 6% of this per day, or $6.  After two weeks, you will have received $84 (14 x 6).  After 17 days you will have received $102 (17 x 6) and will have broken even.  Finally, by the end of the plan, after 26 days, you will have received a total of $156 (26 x 6), for a net profit of $56.

In the Kogo Plan, you will receive 2.2% per day of $2.20.  After two weeks you will have received $30.80 (14 x 2) — which is a lot less than you would receive from the Saiga Plan in this same time period.  After the plan ends in 16 days, you will have received a total of $35.20 (16 x 2.2) in returns.  At this time your investment of $100 will also be returned to you.  So, you can say that the $35.20 is your net profit.

As we noted in the discussion above, a significant factor with respect to risk is that you recover your investment much more quickly in the Saiga Plan.  This is a pro for that plan.  On the other hand, the Kogo Plan is 10 days shorter than the Saiga Plan.  Longer plans are inherently riskier.  So, this is a pro for the Kogo Plan.

Conclusions.

It is probable that, for a number of reasons, the investment plans offered by Coininja which require high minimum investments will not be very popular.  The result might be that most investment activity will be with the Saiga and Kogo Plans that require only a minimal investment.  Assuming that things work out this way, it should improve the probability of Coininja surviving in the long-term due to the fact that returns that are promised for these two plans are much lower than those promised for the other plans that require higher minimum investments.  The Saiga and Kogo investment plans have pros and cons and the choice of which plan to use might be more a matter of taste rather than absolute merits of either plan.   

*********************************

If one of the paying programs on our Monitor appeals to you, please support EmilyNews by registering for it on our website. Thanks very very much!

Telegram Chat for your Crypto and Hyip reports: @HyipChatEN

*********************************

Be the first to get most important HYIP news everyday!
Simply Follow EN Facebook, EN Telegram, EN Twitter
or Subscribe to EN Feedburner and submit your email address!

If you like this article, please share it by using the social media buttons below.

  •  
  •  
  •  
  •  
  •  
  •  
  • 2
  •  
  •