Discussion.
In Part 1 of this review, we devoted a lot of time to sorting through the information about the Gissis investment plans and then to analyzing it in an effort to get a clear picture of how the plans work. Before we discuss all this, let’s quickly summarize what we found out as a result of the work we did in Part 1. We’ll begin our discussion with the first four of the investment plans that pay a daily interest (on work days) and then return your investment at the end of the plan…
- Plan Daily Return DNI Length of Plan (days)
- (work days) (work) (calendar)
- #1 1.4% 1.00% 5 7
- #2 1.79% 1.25% 14 20
- #3 2.30% 1.68% 27 37
- #4 2.40% 1.74% 50 69
- Plan Days to Break Even
- (work) (calendar)
- #1 5 7
- #2 14 20
- #3 27 37
- #4 42 58
One item that is not included in this table is that the minimum investment requirements for these four investment plans are all quite reasonable. Even the highest interest plan only has a minimum of $700 which, although it is significant, might still be doable by the serious investor. There are no ridiculous minimums in the tens of thousands of dollars as is often the case in higher interest investment plans of other programs.
The lengths of these four investment plans varies from one week up to around two months. I would call these short to medium term plans (although I realize this is a matter of opinion!). The point might be that none of the investment plans are excessively long which would introduce a whole new element of risk given that the typical HYIP rarely survives more than a few months. Unfortunately. We obviously hope that this will not be the case with Gissis. As we shall see, there are hopeful signs that this will not be the case.
These four investment plans pay a daily interest, but do not return a person’s investment until the plan ends. That makes them riskier than plans that return a person’s earnings as part of his daily earnings, but less risky than plans that do not return both earnings and investment until the plan ends. This is the situation with plans like Plan #5 and #6 which we’ll discuss later. So, for Plans #1 through #4, although we must “bite our nails” until a plan ends as we wait for our investment to be returned, we are at least receiving a daily return by means of which the portion of our investment that is at risk slowly decreases. In fact, as the table shows, in the case of Plan #4, the daily returns will, indeed, enable you to break even roughly 10 days before the plan ends.
Assuming that the program survives until the plan you are interested in ends, the table also tells us that the profit level is good but not SO good that the program’s survival will be at undue risk because it can’t fulfill payment obligations to its investors. For example, Plan #1, which is the lowest interest plan. has a DNI of 1%. If you multiply this by seven, you come up with an average weekly profit of 7%. This would probably make the conservative investor very happy. On the high end, we have Plan #4 with a DNI of 1.74% which translates to an average weekly profit of around 12%. This should make almost all investors quite happy.
I have already noted that Plan #4 will break even before it ends. Specifically, as the table indicates, the plan is 69 calendar days long and breaks even in around 58 calendar days (around two months). The implication is that you will recover half of your investment in one month and one fourth of it in roughly two weeks. Of course, when the plan ends after 69 days, your investment is returned.
What about the risk associated with these four investment plans? We have discussed this in general terms. To put numbers on this, in HYIP Insights #12 we suggested that programs offering investment plans with DNIs less than 2% will have a better than average chance of surviving in the long term. All of the plans we are discussing are below 2%. So, from this point of view, and assuming that our suggestion is on the money, Gissis would appear to be an attractive investment platform.
OK, let’s move on to a discussion of Plans #5 and #6. Remember that Plan #5 promises a return of 370% after 47 working days an Plan #6 promises 500% after 68 working days. We refer to these as “after” plans. Here’s what we learned about them in Part 1 of this review:
- Plan DNI Length of Plan
- (work days) (calendar days)
- #5 4.15% 47 65
- #6 4.30% 68 93
We have already discussed this, but “after” plans such as this are the riskiest choice because you receive no return at all from them until the plan ends. And, this is a fairly long time with Plan #5 being around two months long and Plan #6 being around three months long. Of course, you will also note that the DNIs for both these plans are very high — perhaps too high. This is the carrot that the folks at Gissis hold out to the potential investor in an effort to get him to sign up for these plans. I regard all this as a negative feature of the program. You have to ask yourself, “Why would a program promise returns that it might not be able to pay?” “Will the program simply close shortly before these payments for Plans #5 and #6 become due?” These questions will also make investors that choose Plans #1 through #4 somewhat nervous. I feel that the most fortunate situation might be if Plans #5 and #6 are rarely, if ever, used. This would do wonders in the way of strengthening what otherwise appears to be a very good investment program.
Earnings Example.
OK, let’s assume that the relatively high return promised by Plan #4 attracts you. Let’s see how things would work out if we invest a big $1,000 in that plan!
The plan pays you 2.4% per day on work days, or $24 (.024 x 1,000). After 42 work days (58 calendar days), you will have received $1,008 (42 x 24) and will have broken even. When the plan ends in 50 work days (69 calendar days), you will have received a total of $1,200 (50 x 24) which becomes your NET profit because your investment of $1,000 will be returned to you at that time. Note that the total return of $2,200 is 220% (2,200/1,000 x 100) of your investment as advertised by the website for this investment plan.
Conclusions.
Gissis offers six investment plans. Four of them pay a daily return but do not return a person’s investment until the plan ends. Two of them do not pay any return at all until the plan ends. The first four investment plans provide very sensible returns that should be satisfactory to the great majority of online investors. In addition, these returns are not so high that they would seem to put the survival of the overall program at undue risk. The second two investment plans promise a return that might be excessive — meaning that it might be difficult for the company to afford to pay it. This is on top of the risk associated with the fact that these plans do not provide returns until they end. It would appear that the survival of the Gissis investment program would be enhanced if the last two “after” type of investment plans are not too popular with investors.
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