In Part 1 of this review of Genesis Trade, we decided to limit our discussion of the program’s investment plan to its first four levels — those that have minimum investment requirements of less that $5,000. Then, we determined the average daily net interest (DNI) that you will receive for each of these variations of the plan. Here is this information in table form:
- Gross Interest Paid by Plan for Different Investments and Plan Lengths
- Min Invest Weeks
- 1 2 3 4 5 6 7 8
- $1 112% 125% 139.6% 156% 175% 196% 219% 244%
- $100 112.5% 126.4% 142% 160% 180% 202% 226% 252%
- $500 113.2% 128% 145% 164% 185% 208% 233% 260%
- $1,000 114% 130% 148% 168% 190% 214% 240% 268%
- DNI Paid by Plan for Different Investments and Plan Lengths
- Min Invest Weeks
- 1 2 3 4 5 6 7 8
- $1 1.71% 1.79% 1.89% 2.00% 2.14% 2.29% 2.43% 2.57%
- $100 1.79% 1.89% 2.00% 2.14% 2.29% 2.43% 2.57% 2.71%
- $500 1.89% 2.00% 2.14% 2.29% 2.43% 2.57% 2.71% 2.86%
- $1,000 2.00% 2.14% 2.29% 2.43% 2.57% 2.71% 2.86% 3.00%
In Part 1 of this review, we already pointed out the remarkable pattern that appears in the table of DNIs. To repeat, if nothing else, this indicates that the people who were involved in the formulation of this investment plan paid a great deal of attention to the interest rates that it offers. We were also pleased that the program designers seem to be aware of DNI, a quantity that we at EmilyNews take credit for introducing to the HYIP business — although it must certainly be common knowledge among serious financial analysts.
Now, let’s look more deeply into the workings of the Genesis Trade investment plans…
First and foremost, the investor is interested in the profitability of an HYIP. For the four levels of the plan that we are considering, DNIs vary from a low of 1.71% for the one week long version at the $1 minimum investment level to 3% for the eight week long version at the $1,000 minimum level. Multiplying by seven, we see that these DNIs correspond to average weekly profits of roughly between 12% and 21%. Most HYIP investors would probably agree that all levels of profit in this range are more than acceptable.
The conservative more cautious investor might even be concerned that the profit levels are too high for the program to be sustainable. In HYIP Insights #12, we suggested that programs offering investment plans having DNIs higher than 2% might have difficulty surviving in the long term. Why is this the case? The reason, of course, is simple. It is more difficult for a business to pay high returns than low ones. That’s all there is to it…
A very nice feature of the Genesis Trade investment plan is its flexibility. The very cautious investor can opt for committing his funds for only a week or two (and live with lower interest rates) whereas the more adventuresome investor, who believes the program will survive for a goodly period of time, can opt for committing his funds for up to eight weeks (and take advantage of the highest interest rates). There is truly an option for everyone…
As indicated in the “First Thoughts” article, the Genesis Trade investment plan is what we refer to as an “After” plan — meaning that the investor doesn’t receive any return at all until after the plan ends. So, for the longer-term variations of the plan (that pay the highest interest rates), we say that the investor will have to “bite his nails” for up to eight weeks hoping that the program won’t “fade into the sunset” before he receives a return. In the HYIP business, this is the riskiest type of investment plan to get involved with. For this reason, the longer-term variations of the Genesis Trade investment plan might not be too popular. The designers of the investment plan are, of course, aware of all this and the highest interest rates are offered to investors that make the highest deposits and/or opt for the longest-term variations if the plan. As always, high profits are associated with high risk.
All of the variations of the plan work in the same way. Let’s assume that we have $200 to invest and that we are willing to commit it to the program for a period of four weeks. Looking at the chart of interest rates, this will put us at the second level at the four week mark for a total gross return of 160%. After four weeks, we will receive a one-shot return of 1.6 times our investment amount, or $320, for a net profit of $120. That’s all there is to it. So, you can see that, even for low investment amounts and relatively short lengths of time, the investment plan is a lucrative one. Of course, it would have been nicer to have been receiving a daily return for the one-month period rather than nervously waiting for that final one-shot return…
Genesis Trade offers a single well-thought-out investment plan. The plan is very flexible and pays differing interest rates depending on the amount of the investors deposit and on the term of investment that he selects. The investment plan is very lucrative up to the point where its profitability might pose a risk to its long-term survival. However, the program has already been in operation for over three months. Perhaps its administration has this problem under control? This is an “After” plan meaning that neither a person’s deposit nor earnings are returned to him until after the plan ends. This inherently makes the use of this investment plan risky. In spite of this risk, we suspect that the investment plan will appeal to a wide range of investors, especially the shorter-term variations of it.
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