This program has STOPPED paying! Do not invest there!
Introduction.
In our “First Thoughts” article about Stradivarius (that you can read here), we made some comments about the company’s operations and also introduced their investment plans. Then, in our recent News Commentary #300, we provided information about another group of investment plans that Stradivarius introduced after the “First Thoughts” article was written. This brought the total number of investment plans up to 32 — which might be some sort of a record in the HYIP business. However, the plans sort of run into one another, one beginning where the previous one leaves off. So, in reality, the number of truly different investment plans is probably much less. It all depends on how you look at things.
In the way of a one-line summary of the two groups of investment plans, the original set of 16 plans pays you your earnings and repays you your initial investment at the end of the investment plan. The new set of 16 plans pays you your earnings on a daily basis and your investment is included in these earnings.
Let’s take a closer look at these investment plans now…
The Stradivarius Investment Plans.
The first group of 16 Stradivarius investment plans returns your principal along with the profit at the end of the plan
The very first investment plan in this group — the “After 1 Week” plan — pays 105% of your investment after seven days. You could say that this is your total GROSS profit. If you subtract 100% from this, you would get your total NET profit, which for this case would be 5%. Finally, dividing this by the seven-day length of the investment plan, you would get the effective daily NET interest rate that you receive for the plan. We refer to this as DNI. Even though you don’t receive any cash in your hand till the end of the investment plan, this is the equivalent profit you receive on a daily basis. DNI is the best measure of profitability of an investment plan as it takes both interest rate and length of plan into account. If you do this same arithmetic for all the 16 plans in this group, you would get the following results. I am superimposing these results on the basic information the website provides for these plans.
- AFTER 1 WEEK
- $50-$499 105% DNI = 0.71%
- $500-$1999 107% DNI = 1.00%
- $2000-$4999 110% DNI = 1.43%
- $5000-$9999 113% DNI = 1.86%
- AFTER 2 WEEKS
- $50-$499 125% DNI = 1.79%
- $500-$1999 130% DNI = 2.14%
- $2000-$4999 135% DNI = 2.50%
- $5000-$9999 140% DNI = 2.86%
- AFTER 3 WEEKS
- $50-$499 145% DNI = 2.14%
- $500-$1999 155% DNI = 2.62%
- $2000-$4999 165% DNI = 3.10%
- $5000-$9999 170% DNI = 3.33%
- AFTER 4 WEEKS
- $50-$499 170% DNI = 2.50%
- $500-$1999 180% DNI = 2.86%
- $2000-$4999 195% DNI = 3.39%
- $5000-$9999 200% DNI = 3.57%
The second group of the Stradivarius investment plans pays you your earnings on a daily basis and these earnings also include your deposit. According to the chart given in the website, the daily interest earnings can vary within a certain RANGE. However, the total earnings for the entire investment plan term are also given and this amount corresponds to the lowest end of the RANGE. For example, in the first plan in this group, the “Daily for 1 Week” plan, the daily payouts can range from 14.71% to 15.71%. However, if you multiply 14.71% by the seven-day length of the plan, you get 103% which is what is given for the total gross earnings of this plan. So, in all that follows, if I refer to a daily percent, it will be the low limit. This is, of course, a safe guess for earnings. However, I am using it primarily because it agrees with the earnings given for the total period of each of the investment plans.
OK, let’s look closely at the first plan and determine a DNI for it. Stradivarius has simplified this for us as it gives the total gross earnings for each plan. Our calculation will actually be identical to what we did for the previous set of 16 investment plans. For the first “Daily for 1 Week” investment plan, the total gross earnings are given as 103%. Subtracting 100% from this, we get the total net earnings of 3%. Finally, dividing this by the seven-day length of the plan, we get a DNI of 0.43%. Like for the previous 16 investment plans, if we repeat this calculation for these 16 plans you will get the following DNIs which, again, I’ve added to the information for each of the plans as given in the website:
- DAILY FOR 1 WEEK
- $50-$499 103% DNI = 0.43%
- $500-$1999 105% DNI = 0.71%
- $2000-$4999 107% DNI = 1.00%
- $5000-$9999 110% DNI = 1.43%
Daily payouts from 14.71% to 15.71%
- DAILY FOR 2 WEEKS
- $50-$499 120% DNI = 1.43%
- $500-$1999 125% DNI = 1.79%
- $2000-$4999 130% DNI = 2.14%
- $5000-$9999 135% DNI = 2.50%
Daily payouts from 8.57% to 9.64%
- DAILY FOR 3 WEEKS
- $50-$499 140% DNI = 1.90%
- $500-$1999 145% DNI = 2.14%
- $2000-$4999 155% DNI = 2.62%
- $5000-$9999 160% DNI = 2.86%
Daily payouts from 6.67% to 7.62%
- DAILY FOR 4 WEEKS
- $50-$499 160% DNI = 2.14%
- $500-$1999 170% DNI = 2.50%
- $2000-$4999 185% DNI = 3.04%
- $5000-$9999 190% DNI = 3.21%
Daily payouts from 5.71% to 6.79%
OK, we have a lot of numbers here. In Part 2 of this review, we’ll take a closer look at these numbers and draw some conclusions about the profitability of the Stradivarius investment plans as well as how well the program might survive on a long-term basis.
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