This project was moved on PROBLEM! Beware at the moment..
The ExWay Investment Plans.
We briefly introduced the ExWay investment plans in our recent “First Thoughts” in the following way:
And, for the investor, ExWay offers four “perpetual” investment plans. They are very lucrative and pay daily interests of 6%, 7%, 8%, and 9%. However, with the exception of the 6% plan, rather high minimum investments are required in order to participate in these plans. For the newcomer, a “perpetual” investment plan is one wherein you make a deposit and it pays you interest forever. This is much like what you experience in a normal banking situation except that, at least in the case of ExWay, your deposit cannot be withdrawn. Of course, the interest that you receive from ExWay is MUCH higher than you will receive from any bank anywhere.
Here’s the complete information on the plans, including their minimum investment requirements:
- Plan #1
- 6% daily forever
- $25 – $4,999
- Plan #2
- 7% daily forever
- $5,000 – $14,999
- Plan #3
- 8% daily forever
- $15,000 – $49,000
- Plan #4
- 9% daily forever
- $50,000 – $300,000
Analysis of the ExWay Investment Plans.
Let’s immediately make a big simplification in our analysis of the ExWay investment plans. Perhaps because ExWay claims to be involved with the very large-scale business of shipping, it also requires very high minimum investments for three of its investment plans. Whatever the reason, we at EmilyNews discourage our readers from investing large sums of money in ANY online investment program unless it can clearly prove that it is as viable as the typical corporation selling shares of its stock or your neighborhood bank. Sadly, few, if any, HYIPs are in this category. Consequently, in what follows, I will limit discussion to Plan #1 which covers investments all the way up to $4,999, the upper end of this range which probably being in the danger zone as well.
When we analyze an investment plan, we typically determine two quantities: the number of days it will take the plan to break even and the average daily net interest (DNI) that it will pay you.
To determine a breakeven point, you divide 100% by the daily return that you receive. In the case of Plan #1, dividing 100% by 6%, you get that the plan breaks even in 17 days.
The average daily net interest (DNI) that you will receive from an investment plan depends on both the daily gross return you receive from it as well as on the length of the plan. In the case of a “perpetual” plan, we don’t know the length of the plan — assuming that, like 99% of HYIPs, the ExWay program won’t last forever. So, in the case of an HYIP, a “perpetual” investment plan is one that lasts as long as the program lasts. With this is mind, if we are to determine DNI for an investment plan of this type, we must ASSUME a length for the investment plan.
With these thoughts in mind, let’s determine the DNI for Plan #1 for a number of assumed lengths for it — specifically, 30, 60, 90, 180, 270, and 360 days.
For a 30-day assumed length, the total GROSS interest that you will receive from the plan will be the daily return of 6% times 30, or 180%. Since this includes your investment, you must subtract 100% from it to get the total NET interest that you will receive, or 80%. Finally, averaging this out over the 30-day assumed length of the plan by dividing by 30, you get an average daily net interest (DNI) of 2.67%. If you do these same calculations for the other assumed lengths of the investment plan, you will get the following results:
- Assumed length of plan DNI
- 30 days 2.67%
- 60 days 4.33%
- 90 days 4.89%
- 180 days 5.44%
- 270 days 5.63%
- 360 days 5.72%
You can see that, the longer the program survives, the more profitable it becomes. The DNI gradually homes in on 6%, the gross daily return that the investment plan pays. The DNI cannot, of course, get higher than that.
These are the “facts” about the ExWay investment plan that we are focusing on. In Part 2 of our review, we’ll discuss the pros and cons of the plan and try our best to arrive at conclusions that we feel will be useful to the online investor. Please stay tuned. Part 2 will be available in two or three days.
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