Comparison of Investment Plans.
In Part 1, we attempted to lay out all the important information about the six investment plans offered by BitTank and Roly Investment. Now, let’s take a close look at this information and see if we can decide which of these programs has the better offerings.
There are at least three things to look at when comparing investment plans. The first is the DNI or daily net interest rate that each plan offers. In case you missed it, this is the effective daily profit that an investment plan is paying you. For a detailed discussion of DNI, please take a look at HYIP Insights #12 (you can read it here). Naturally, the higher the DNI, the more lucrative an investment plan is. The flip side of this is that, the higher the DNI, the more risky the investment becomes — simply because it is more difficult for a company to pay high returns that low ones. In the HYIP Insights article I just referred to, it was suggested that a DNI of less that 1% is apt to be sustainable whereas a DNI of greater than 2% is not. Between 1% and 2% is a gray area that could go either way depending on many factors. Of course, to further complicate things, these numbers are only our “best guess.” There will certainly be exceptions. However, they will still serve as a good starting point when making an initial assessment of the probability of an HYIP being able to survive in the long term.
The second thing to look at when comparing investment plans is the minimum investment required in order to use the plan. Oftentimes, this minimum amount is so high that the plan is way out of the reach of the typical online investor. We will see that at least one of the plans offered by these two HYIPs is in this category.
A third item to think about when investing is when you get your initial deposit back. Is it returned to you as part of your interest earnings or do you have to wait till the end of the investment plan to have it returned to you? It is obviously better to have it returned to you as part of your earnings as, unfortunately, very few HYIPs survive for a year, the term of all the investment plans we are considering here. In this business, that’s a long time to wait for your money to come back to you. In this analysis, the BitTank investment plans return your deposit as part of your earnings while the Roly Investment plans wait till the end of the plan to return it. This is a distinct advantage of the BitTank program.
OK, with this as an introduction, I’ve listed the six investment plans offered by our contestants in order of increasing DNI (lowest DNI at the top of the list) below. The Roly Investment plans give minimum and maximum investment amounts in Bitcoin. I’ve converted these values to dollars using used $4,000 as the value of one Bitcoin.
DNI = 0.68%. BitTank Simple Miner Plan.
Break even = 105 days. $5 – $349
DNI = 0.77%. Roly Investment Standard Plan.
Break even = 131 days. $4 – $3,960
DNI = 0.92%. Roly Investment Exclusive Plan.
Break even = 110 days. $4,000 – $19,600
DNI = 1.12%. Roly Investment Roly Plan.
Break even = 90 days. $20,000 – $80,000
DNI = 1.17%. BitTank Standard Miner Plan.
Break even = 70 days. $350 – $1,949
DNI = 1.89%. BitTank Advance Miner Plan.
Break even = 47 days. $1,950 – $36,000
There is a LOT of information in this listing. Let’s attack it piece by piece. After we have done this, it should be clear who the winner of this “Battle” is, if, indeed there is one. We could have a tie…
First, let’s look at the minimum investment requirements of the various plans. The thing that should jump out at you is that the Roly Investment “Roly” plan, with a minimum investment of around $20,000, is probably beyond the reach of just about all HYIP investors. We should probably scratch this program off the list right away as, for all practical purposes, it will not be used. In addition, the Roly Investment Exclusive plan with a minimum of $4,000 will be beyond the reach of the majority of online investors. However, we’ll leave it on the list as it might have a few takers. All the BitTank plans have reasonable minimums. Their Advance Miner plan has a relatively high minimum of $1,950. But, this would probably still be within the reach of the serious investor. So, concerning the number of useful investment options offered, BitTank is probably the winner.
Next, let’s take a look at the DNIs for the plans for the investment plans. The lowest is 0.68% for the BitTank Simple Miner plan. The highest is 1.89% for the BitTank Advance Miner plan. The three Roly Investment plans are clustered in the middle around 1%. None of the six DNIs exceed 2%, our suggested limit before an investment plans starts to become excessively risky. However, the BitTank Advance Miner plan does come close at 1.89%. From the point of view of offering a diversity of investment opportunities, BitTank is probably again the winner as it offers both the lowest and the highest DNIs while still staying within sensible limits.
Next, let’s look at the number of days to break even. It is easy to see that, except for the Roly Investment “Roly” plan, the BitTank plans break even sooner. This is because they return your deposit as part of your earnings rather than make you wait till the end of the investment plan to receive it. The Roly plan will break even before the BitTank Simple Miner plan. However, remember that the Roly plan probably won’t be used because of the excessively high minimum investment required. So, from the point of view of breaking even quickly, the BitTank program is again the winner.
And, the Winner is…
Putting all this together, based on the numbers, it appears that Bittank is a clear winner. They offer investment plans with a sensible range of DNIs; the days to break even are reasonable; and the minimum investment requirements are within the reach of all serious online investors. It appears that the folks at BitTank spent a good deal of time developing a set of investment plans that will appeal to the maximum number of investors.
There is another point worth mentioning that we have brought up in various program reviews in the past. The BitTank Advance Miner plan with a DNI of 1.89% might be difficult for the company to sustain. However, the minimum investment requirement of nearly $2,000 will minimize the number of investors using this plan. So, the plan is there for the serious investor to take advantage of and he is taken care of (protected) because the plan is sort of “special” and there will probably only be a limited number of investors using it. My opinion is that the amount of the minimum investment was wisely chosen.
There is one final item that we have NOT discussed in this “Battle” as we limited our discussion to numbers; this was a cold-hearted mathematical evaluation. What we did not discuss are intangible items such as how real the “Legends” of the two companies might be (Please see HYIP Insights #6 for a discussion of this. You can read it here). What about the track record of the companies? How long have they been online? There are probably other factors that are important as well. And, all of these considerations might be MORE important than the mathematical analysis that we went through here. But, I will leave this half of the picture up to you. If everything were simply mathematics, investment in an HYIP would be a simple matter! This is the reason why investing in an HYIP is so unpredictable and risky; we think we have things figured out and then the unexpected happens. So, to account for this unpredictability we ALWAYS recommend that a person diversify their investments. As an example the investor with limited funds might want to invest in BOTH the BitTank Simple Miner plan AND the Roly Investment Standard Plan. For small investments of $100 or $200, they are comparable.
We hope this information is helpful to you! Good Luck!
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