Let’s go on to talk about XPSFinance investment program. Few days ago you could read “First Thoughts” article and before we look into the plans – i remind you a part of it:

Now let’s take a look at the investment plans offered by the program. You have 6 of them:

XPS CSIP

Invest to Credit on the security of immovable property.

  • 1,7% daily,
  • 20 business days,
  • $25 – $5000
  • Principal return at the end of deposit terms

XPS CPIP

Invest to Credit for purchase of immovable property.

  • 2,0% daily,
  • 35 business days,
  • $1000 – $10000
  • Principal return at the end of deposit terms

XPS RC

Invest to Re-crediting.

  • 2,5% daily,
  • 55 business days,
  • $5000 – $50000
  • Principal return at the end of deposit terms

XPS CLE

Invest to Credit for legal entities.

  • 2,8% daily,
  • 65 business days,
  • $100 – $10000
  • Principal and earnings return at the end of deposit terms.

XPS CPEA

Invest to Credit for performance of economic activities.

  • 3,6% daily,
  • 75 business days,
  • $1000 – $20000
  • Principal and earnings return at the end of deposit terms.

XPS CPIPA

Invest to Credit for purchasing immovable property at auction.

  • 4,2% daily,
  • 85 business days,
  • $2000 – $30000
  • Principal and earnings return at the end of deposit terms.

So, as we can see, at the first cycles most probably the most popular plans are  XPS CSIP and XPS CLE but do not forget that the first three plans allow daily withdrawals of your daily earnings (+ initial deposit is back at the end of the term) while other three plans alllow to withdraw both initial deposit and daily earnings ONLY(!) at the end of the term.

Please notice that all of the plans work on Business days (Monday-Friday).

For our calculations let’s take the most used (i believe) plan – XPS CSIP.

We need to convert business days to calendar days by multiplying the number of business days by a 30/22 conversion factor. If you do so, you get ~27.272 calendar days. We can round it up to 27 days for further simplicity.

Let’s first check our Net Interest that you will receive in the 27 days ( 20 working days ). It would be 34% (1,7% x 20 days).  As it usually happens with most “Principal Back” plans, you get your Break Even point when your deposit is returned to you – at the end of the plan. In our case in 27 calendar days.

Based on simple math it’s easy to understand that Your Total Return On Investment (ROI = Total Net Interest + Principal Back) is 134% (34% + 100%).

What’s next? Let’s check DNI (Daily Net Interest). If you divide 34% by 27 days, you get that the average Daily Net Interest (DNI) for the plan is ~ 1.25%. This means it is a Medium interest plan (read more in EN HYIP Insights article #12 Part 3 and Part 4 about it).

**Another example of probably rather seen plan – XPS CLE, where the min. deposit is $100. At the first stages it also can be used by many investors, but the main difference of it is that both your Principal Deposit and your daily earnings will be availbe for withdrawal at the end of the plan. On the contrary, the plan which we talked above (XPS CSIP) allows you to get your Principal Deposit at the end AND to withdraw your earnings every single day.. Pay your attention on that difference please..

So, now you know better how XPSFinance plans work. In the second part of this review, we will provide more details, features and terms of use… Stand by please…

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