This program moved to CLOSED status! Do not invest there!
Analysis of Investment Plans.
In Part 1 of this review we quickly made an overview of the FootballChange company and introduced its investment plans. Now, let’s take a closer look at these plans.
We’ll start with the Junior Plan, the lowest interest, shortest term, investment plan that FootballChange offers. This plan pays 1.1% interest for 30 days. So, by the end of the investment plan, you will earn a total of 33% (1.1 x 30). Since your investment is returned to you at the end of the plan, the 1.1% interest that you receive can be regarded as pure profit. This is what we refer to as DAILY NET INTEREST or DNI in our Emily News articles. However, although this is a true measure of an investment plan’s profitability, it is important to remember that it is an “imaginary” term as you won’t break even in a plan like this until you get your principal back at the end of the investment term. So, you will bite your nails for 30 days receiving 1.1% of your investment back every day. By the end of the 30 day period, you will have received a total of only 33% of your initial investment and at that time your initial investment will be returned to you for a total GROSS return of 133%.
The analysis of the Youngster and Professional plans would work exactly the same way. In all these plans you would not break even until you receive your principal back at the end of the investment term.
Here is a summary of the earnings for the three plans:
Junior
1.1% DNI
33% net profit
Youngster
1.3% DNI
58.5% net profit
Professional
1.5% DNI
90% net profit
As we have emphasized in past Emily News articles (for example, see HYIP Insights #12 that you can read here), DNI is the true measure of how lucrative an investment plan might be. That’s simple to understand. The higher the DNI, the greater the return from an investment plan will be. DNI also gives you an idea of the probability of an investment plan surviving in the long term. In this case, the higher the DNI, the LOWER the probability that an investment plan will be a long term success. The reason for this is simple too. Larger payouts are more likely to tax an HYIP’s resources and force it to close prematurely. So, when you consider both these factors simultaneously, the prudent investor will probably look for a DNI that provides reasonable profits but is not so high that the program has a poor chance of surviving. This is especially true for investment plans like FootballChange offers where you have to wait till the end of the plan to break even.
In the HYIP Insights #12 article we suggested a range of DNIs that we feel are “safe” for investing in an HYIP. Of course, these are only guidelines and anything can happen in this crazy HYIP game (See HYIP Insights #4 for some thoughts about the HYIP game. You can read it here). But, they can at least serve as a starting point as you consider other factors that will assist you in deciding whether or not to invest. In HYIP Insights #12, we suggested that investment plans with a DNI lower than 1% might have a high probability of long term survival while plans with a DNI greater than 2% might have a low probability. Investment plans with DNIs between 1% and 2% are in a gray area where anything could happen and, especially in this area, the potential investor should carefully weigh ALL factors that he feels might be important in determining whether or not a program might survive.
OK, this is a long introduction! FootballChange offers investment plans with DNIs of 1.1%, 1.3%, and 1.5%. All of them are in the low side of the “gray” area I noted above. So, the potential investor might conclude that this program has a good chance of survival if other factors are favorable. One such factor that we pointed out in our “First Thoughts” article that is in favor of the company is the fact that the website is well thought out with a top notch presentation in the English language. This puts it head and shoulders above many other HYIPs where the English is sometime so bad that the visitor to a website has to struggle to understand what the program is all about. We have written a very informative article about “Language” in HYIP Insights #2 that you can read here.
It is simple to do a calculation of the dollar value of earnings for these investment plans. Let’s do it for the minimum investment in each of the plans (This is frequently the target that investors use in order to take advantage of the highest interest rate within their investment budget). Doing this, for the Junior Plan an investment of $50 will pay you $0.55 per day (.011 x 50) for 30 days. This comes to a total of $16.50 that will be your profit for your investment. Of course, at the end of the investment term, you will get your $50 investment back. A minimum investment of $1,000 in the Youngster Plan will pay you $13 per day (.013 x 1,000) for the 45 day period, a total profit of $585. Finally, a minimum investment of $5,000 in the Professional Plan will pay you $75 per day (.015 x 5,000) for 60 days, a total profit of $4,500 for the entire investment plan. In this last plan, you nearly double your money in two months. Not bad at all.
Other Factors.
FootballChange accepts three different currencies: US Dollar, Euro and Bitcoin. Each currency is processed separately. Payment processors are PerfectMoney, AdvCash, and Payeer (and Bitcoin).
Deposits in US Dollars or Euro are added immediately. Bitcoin investments require at least 3 blockchain confirmations before adding. For security reasons withdrawals are processed manually. Each request is processed within 24 hours unless it falls on a weekend. If a withdrawal request is received on a Saturday or Sunday, it is processed on the following Monday.
It is possible to withdraw your investment from FootballChange at any time. However, there is a huge 50% penalty for doing so. This is a sure sign that, once the company has your money, they don’t want to give it back! I feel that this penalty is excessive and even unprofessional. FootballChange should seriously consider reducing it.
FootballChange has a potentially lucrative affiliate program. It has three levels: Representative, Partner, and Independent Partner. The Representative level is the typical HYIP referral program and pays you 7%, 3%, 1%, and 1% on deposits in the first four levels of your downline. For the Partner level, these commissions are increased to 12%, 5%, 2%, and 1%. However, in order to become a Partner, you must have “several dozen” active referrals in your downline. You must also submit an application in order to apply for this level. Perhaps the application process will define what is meant by “several!” Finally, the Independent Partner level appears to be intended for a unique group that is very seriously committed to the program. It includes such perks as financial support of marketing efforts, assistance with office rental, and, of course, further increased commissions. Again an application must be submitted and the exact terms of the affiliate agreement negotiated on a case by case basis.
Support is by means of a support ticket system as well as online chat. During times when the chat host is offline, it is possible to leave a message.
All in all, FootballChange appears to be a very well thought out investment program. The three investment plans fit together nicely and offer sensible interest rates that are in the range that might be sustainable in the long term. One downside of the program is that, rather than returning a person’s investment along with their interest earnings, it is not returned until the end of the investment plan. In these three investment plans, it works out that you won’t break even until a plan ends. So, the investor has to be as sure as possible that the company will survive the full term of the investment plan he has chosen before making a deposit. Taking these (and other) factors into mind, perhaps you might choose to invest in FootballChange. As usual, we suggest that you make your investment a part of a diversified portfolio (Don’t put all your eggs into one basket!) and never invest more than you can afford to lose. Good Luck!
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