This program moved to CLOSED status! Do not invest there!
Analysis of Investment Plans that Return Your Deposit as Part of Your earnings.
In Part 1 of this review, we took a close look at the two LigaTraders investment plans that return your deposit at the end of the plan. Now, let’s take a look at the two plans that return your deposit along with your earnings. These are the Medium investment plan that pays 3.88% for 45 days and the Large investment plan that pays 3.66% for 60 days. The minute a person looks at these numbers he might be a little bit confused. You expect the longer term plan to be more profitable, but the interest is lower. The key, of course, is that profitability depends on BOTH the interest rate AND the length of the investment term. This is why knowing the DNI of an investment plan is so important as it takes BOTH of these factors into account.
So, let’s compute the DNI for each of these plans. For the 45 day investment period, the Medium plan will pay you total gross earnings of 174.6% (45 x 3.88). Since this includes your deposit, you must subtract 100% to get your total net earnings which would simply be 74.6%. Dividing this by 45 days, you get the average daily net interest — or DNI — of 1.66% (74.6/45). Similarly, for the Large investment plan paying 3.66% for 60 days, we get total gross earnings of 219.60% (60 x 3.66) and total net earnings of 119.60%. Dividing this by 60, the length of the investment term, we get a DNI of 1.99%. So, the Large investment plan is clearly more profitable than the Medium plan — by a full 0.33% per day. That’s a lot.
However, you have to remember that, although a higher DNI earns you more money, it is also more risky, simply because it will be harder for the company to sustain payouts of interest earnings at this level. In the HYIP Insights #12 article that we referred to in Part 1 of this review (and that you can read here), we suggested that an investment plan with a DNI higher than 2% might be getting risky. The Large plan has a DNI of almost exactly 2% — right at this border point.
Let’s take a look at how long it takes each of these plans to break even. That’s very easy to do. You simply divide 100% by the daily percent earnings you receive. So, for the Medium plan, you will break even in 26 days (100/3.88) and, for the Large plan, you would break even in 28 days (100/3.66). They break even only two days apart. So, considering the greater interest of the Large plan and the fact that you will be earning for an additional 15 days, it would seem that the Large plan is the way to go. Remember that the minimum investment is just about the same in the two plans. Therefore, I would forget about the medium plan…
OK, let’s do some numerical examples. We’ll assume an investment of $100 in each of these two plans and see what happens. For the Medium plan, your daily earnings would be 3.88% of this or $3.88. For the Large plan, your daily earnings would be 3.66% of this or $3.66. They are very close and, as we found out above, the two plans break even at almost the same time. The major difference is that you will be receiving earnings from the Large plan for 15 days longer than the Medium plan — which is what makes it so much more profitable. For the Medium plan, your total earnings would be $174.60 (45 x 3.88) while for the Large plan it would be $219.60 (60 x $3.66) — which is significantly greater.
More Analysis.
Now, the last thing we should do in analyzing these four investment plans is to look at them all at once. Here is what we determined the DNIs for the plans are:
Start. DNI = 1.00%
15 days
Lite. DNI = 1.30%
30 days
Medium. DNI = 1.66%
45 days
Large. DNI = 1.99%
60 days
Comparing the DNIs, it is easy to see that the Large plan is TWICE as profitable than the Start plan; when you average things out on the basis of daily profit (this is what DNI is all about), you make twice as much money with the Large plan as with the Start plan. Since the minimum investment for the Large plan is so reasonable, it is almost a no-brainer to make the decision to use that plan. Perhaps the only reason against this way of thinking is that a person might not want to risk his investment for the 60 day investment term. However, this isn’t quite true as the Large plan breaks even in less than 30 days. Likewise, the Medium plan also breaks even in slightly less than 30 days. Finally, the Lite plan doesn’t break even till it ends — in exactly 30 days. So, concerning risk, the Start plan puts you at risk for 15 days and the other three plans put you at risk for around 30 days. Therefore, if you are very concerned about risk, you probably should aim at the Start plan — and accept the minimal DNI of 1%. If you feel that LigaTraders will be around for 30 days, you should probably aim at the Large plan that has the highest DNI of around 2%. Again, since the minimum deposit required is very reasonable, it would appear to make sense to take advantage of the highest DNI.
You might object to this logic by saying that the investment plan with the highest DNI is the most risky. It is always important to realize that, when we talk about risk, we are talking about a PROGRAM closing. If you invest in the Start plan with a DNI of only 1%, you are in just as risky a position as if you invested in the Large plan with a DNI of 2% because, if the program closes, ALL plans close along with it. What make the ENTIRE program more risky is that, because of the low minimum investment amounts, more people will invest in the Large plan (like I am recommending here). This will obligate the company to pay more higher interest earnings payments which, in turn, will put the company at risk. In the more typical HYIP, the higher interest investment plans will have similarly higher minimum investments. This will limit the number of signups in them and lower the company’s obligation to pay high interest earnings. I hope all this is clear. LigaTraders is unusual in this respect.
Other Information.
LigaTraders has a good selection of payment processors which are PerfectMoney, Payeer, Bitcoin, and Advanced Cash. The minimum deposit is $10 and the maximum is $8,888. Generally speaking, deposits are instant and speed is only limited by the procedures of the payment processor.
Withdrawals are processed within one hour although, typically, they are instant. However, the company notes that, in special situations, withdrawals might take up to 48 hours. The minimum Bitcoin amount that can be withdrawn is 0.0004 BTC. This is very small. A minimum withdrawal in dollars isn’t given.
LigaTraders has a three tier affiliate program. Anyone registered with LigaTraders, whether they have an active deposit or not, is eligible to receive 5% commission on deposits in the first level of their downline and 2% of deposits in the second level. If your “structure” (meaning you plus your downline, I assume) has a “turnover” (meaning a total investment, I assume) of over $15,000, these figures are upped to 7% and 3%. If your structure has a turnover of over $30,000, they are upped again to 10% and 3%.
For support, there is the typical support form. Supposedly, there is telegram chat in English or Russian. However, when I tried them, I received an error message. Perhaps they are not set up yet.
In summary, LigaTraders has a number of features that might make it a candidate for your investment portfolio. The lowest interest Start plan is short term and appears to also have the lowest risk. The three other plans all break even in roughly one month. Given that the minimum investment for all these programs plans should be within everyone’s reach, it would seem that the investor should choose the Large plan that offers the highest interest rate. A weakness of LigaTraders — like most other HYIPs — is a shortage of information about the company itself. In light of what has been presented in this review, you might want to consider investing with Ligatraders. As usual, we advise diversification of your investments among a number of programs. And, always remember that investing with any HYIP is a very risky business. So, never invest more than you can afford to lose. Good Luck!
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