This project was moved on PROBLEM! Check further updates..
*There are still problem statuses around, although no complaints from investors yet. I remind you that, according to admin’s claim, we were said that all this was going to be changed back to normal and still we are waiting (until today) to see when everything is fixed…
We have contacted the admin again. Let’s see what he replies…
Discussion.
Let’s begin our discussion of the Kirkland & Felt investment plans by repeating the basic information about them as well as what we found out about them in Part 1 of this review.
- Bronze Plan
- 3.5% per day for 45 days
- $25 minimum
- Principal included
- Silver Plan
- 1.7% per day for 30 days
- $10 minimum
- Principal back
- Gold Plan
- 172% after 38 days
- $10 minimum
- Plan DNI Days to break even
- Bronze 1.28% 29 days
- Silver 1.7% 30 days (plan length)
- Gold 1.89% 38 days (plan length)
Let’s first quickly note that the minimum investment limits for the three investment plans are all very low. This is unusual in most HYIPs. So, the investor will have to use other criteria when deciding which investment plan — if any — to put his money into. It will all come down to balancing profitability and risk.
It is also important to note that the DNIs for the investment plans are all reasonable. In HYIP Insights #12, we suggested that programs offering investment plans having DNIs less that 1% would have a high probability of long-term survival while programs offering investment plans having DNIs greater than 2% would have a poor chance. Programs offering plans with DNIs between 1% and 2% could go either way depending on a number of factors. Well, all of the Kirkland & Felt investment plans are in this latter range. This is OK. We always emphasize that these are only our suggestions. They are not rules that are cast in concrete.
So, to state what is probably obvious, investment plans having high DNIs are very profitable but also very risky — and vice versa.
At the end of Part 1 of this review, we suggested that these investment plans were very logically designed. Let’s try to explain what we mean by that now….
The Bronze Plan is the least risky TYPE of investment plan because it returns your investment along with the daily interest that you earn. So, you break even well before the end of the plan. The Silver is riskier because, although you receive a daily interest return, your investment isn’t returned to you until the end of the plan. The Gold Plan is the riskiest of all because neither your investment nor your interest is returned to you until the end of the plan.
The logical thing about this set of investment plans is that the DNI increases as the level of risk increases. So, profitability is used as the carrot to entice the investor to take a greater risk. In the Silver Plan, the risk is that, even though the investor is receiving a daily interest return, the program might close before a person’s investment is returned to him. In the Gold Plan, the risk is that, if the program closes prematurely, the investor will lose EVERYTHING. In short, it is easy to see that, if you choose to invest in a riskier plan, you will earn more money.
An added complicating factor in comparing these investment plans with one another is that they have slightly different lengths. In this regard, the most important thing might be how long it takes an investment plan to break even. The Bronze and Silver Plans break even at roughly the same time. However, the Bronze Plan is returning your investment at a much faster rate and breaking even while the Silver Plan depends on the program surviving until the plan ends in order for it to break even. So, again, the higher interest plan might be the riskier one. The Gold Plan doesn’t break even (end) until more than a week longer than the other two plans. So, from the point of view of breakeven point, it is (again) the riskiest choice. So, in summary, as far as breaking even is concerned, the plans with the longer times to break even (the more risk) provide more profit.
Earnings Examples.
Let’s assume an investment of $100 in each of the investment plans and see how things would work out.
For the Bronze Plan, you will receive a daily interest return of 3.5%, or $3.50. After 29 days, you will have received a total of $101.50 (3.5x 29) and you will have broken even. By the time the plan ends in 45 days, you will have received a total return of $157.50 (3.5 x 45) for a net profit of $57.50.
For the Silver Plan, you will receive a daily interest return of 1.7%, or $1.70. By the time the plan ends in 30 days, you will have received a total of $51 in these daily returns. At this time your $100 investment will be returned to you and you can say that the $51 is net profit.
For the Gold Plan, you will receive a one-shot payment of 172% of your investment, or $172, after 38 days. So, your net profit will be $72.
Conclusions.
The Kirkland & Felt online investment program offers three very different investment plans. All are lucrative but not SO lucrative that the program is doomed to close in a matter of a week or two. Typical of most HYIPs the profitability of the different investment plans is proportional to the amount of risk that investing that each of them entails. Due to many factors, this program should appeal to a wide variety of investors.
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