This program has STOPPED paying! Do not invest there!
Analysis of the Stradivarius Investment Plans.
In Part 1 of this review, we laid out the information in the 32 Stradivarius investment plans. In this part of the review, we’ll take a look at how profitable the plans are as well as the pros and cons of the plans from each of the two groups of 16 plans. To make things easier, I’m going go repeat the numbers we came up with in Part 1 of the review.
Payment at End of Plan
- 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%
Daily Payment
- 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%
The first thing you have probably observed is that plans in the first group of 16 have direct parallels to those in the second group of 16. For example, the “After 1 Week” plans correspond to the “Daily for 1 Week” plans. In fact, as far as the numbers go, the only difference between the two groups is the interest that is paid. But, the difference is very clear and it is also significant in-so-far-as dollars and cents are concerned. In all cases, the “After 1 Week” plans pay higher interest than the “Daily for 1 Week” plans. Does this mean that we should scrap the “Daily” plans? Not at all. And, here’s where it will become crystal clear as to what the folks at Stradivarius are up to.
In the article in HYIP Insights #18, we pointed out that, everything else being equal (and that means earnings paid), a plan that pays daily is far superior to one that pays at the end of the plan. The reason is simple. If your earnings are held until the plan ends, you risk losing EVERYTHING if the program closes early. In contrast, if you recover your investment on a day by day basis, you might only lose a fraction of it if the program closes prematurely. Well, here is where the folks at Stradivarius have things pretty well worked out. They are obviously aware of all this. So, they have made the interest rates for the “After” investment plans slightly higher that the rates for the “Daily” plans. The riskier “After” plans pay higher interests than the safer “Daily” plans.
The result is that the decision of which group of investment plans to use probably becomes a matter of TASTE. The person who is willing to take a little more risk in hopes of earning more will probably gravitate toward the “After” group of plans whereas the more cautious investor will probably prefer the “Daily” group of plans. Possibly, there is a middle ground to all this. Many investors won’t feel bad about waiting one (maybe two) weeks for return their investment. However, they might shy away from waiting three or four weeks. So, for short term investment, possibly the “After” plans might be more popular while for the longer term plans, the “Daily” plans might be. This is really the classic HYIP decision coming up once again: greater profits come with greater risk.
Now let’s step back and take a look at the range of DNIs for each group of 16 investment plans. In HYIP Insights #12, we suggested ranges of DNIs for investment plans that we felt would lead to greater (or lesser) chances for long-term survivability of HYIPs. Here’s what we came up with:
- Programs with investment plans having DNIs less than 1% have a good chance of long-term survival.
- Programs with investment plans having DNIs greater than 2% have a poor chance of long-term survival.
- Programs with investment plans having DNIs between 1% and 2% could go either way.
Of course, we emphasize that this is only our OPINION, although it is an educated one. However, we could be entirely wrong about how this applies to a specific HYIP. But, at least it is a starting point for discussion.
If you look at the “After” plans, only one of them has a DNI less than 1%. Four have DNIs between 1% and 2%. The rest are greater than 2%. In the “Daily” plans, three are less than 1% and four are between 1% and 2%. In short, the majority of the investment plans have DNIs that are greater than 2%. Does this mean that the Stradivarius program is destined to close early? Not necessarily. You should also notice that the higher DNIs go along with the plans that require a greater initial investment and/or have a longer investment term. The point is that these high interest plans will have less traffic that the low interest plans — which will decrease the obligation of the program to make high interest returns. This, in turn, will add to the potential for the program to be a long-term survivor. However, the investor should still be cautious as, obviously, the interest promised by some of the plans IS quite high and it could jeopardize the survivability of the overall program.
I always find it helpful to think in terms of interest paid on a weekly basis. For example, a DNI of only 0.5% still nets you a weekly profit of 3.5%. Not a lot in the HYIP world. But, IF the program is a survivor, it could be quite satisfactory. Doubling this to a DNI of 1% gives you 7% per week which is very respectable. Doubling that, you come to a DNI of 2% or 14% per week. An investment plan paying 14% per week will break even in a little over seven (100/14) weeks. This is reasonable and 14% per week is a lot. Of course, when you get higher than this, the earnings look VERY attractive. However, the element of risk increases along with this. Ruling out the Stradivarius investment plans requiring an investment of over $5,000 (they will rarely, if ever, be used), only one of the remaining plans has a DNI over 3%. Some are well over 2%. But, if the folks at Stradivarius are careful, they might be able to sustain the program with these — somewhat questionable — rates.
Other Features of the Program.
Stradivarius uses the most popular payment processors: Bitcoin, Perfect Money, AdvCash, and Payeer. Both deposits and withdrawals are instant as far as Stradivarius is concerned. However, the confirmation process can delay processing of all Bitcoin transactions. The minimum withdrawal is $1, except for Bitcoin for which it is $25.
Stradivarius has a very simple affiliate program that pays you a healthy 10% of deposits made by people you refer to the program. I vote for simple setups like this. I suspect that, from that point of view, the folks at Stradivarius like it to. And, along this line of thinking, you may have noticed that the entire Stradivarius website is very simple. It is similar to those of a number of other HYIPs lately that minimize the verbiage and do almost everything on a single page. I prefer this approach rather than the alternative of a lot of superfluous material that is essentially a smoke screen for a website with little content.
Support from Stradivarius is only by means of the standard contact form. This CAN work very well if the response time is good. And, still in defense of Stradivarius, HYIPs that have BOTH a contact form AND an email contact address really aren’t kidding anyone as I strongly suspect that, 99% of the time, both will go to the same place. However, live chat would be a welcome addition. As the program grows (and we truly hope that it does), the addition of this feature would be a major plus for the program. There is nothing better than the instant feedback that you can receive from a well-informed operator of a chat desk.
In summary, Stradivarius offers a wide variety of investment plans. They are of two types: those that pay you earnings at the conclusion of a plan and those that pay you earnings on a daily basis. The riskier plans that only pay you your earnings at the end of a plan offer slightly higher interest as an incentive for the investor to take this risk. There are also plans at a number of different deposit levels such that there should be something to suit everyone’s budget. The plans are short to medium length running for one to four weeks in length. For the lower ticket plans, interest rates that are paid are such that the program should be sustainable in the long term. Interest paid for the higher ticket plans are a tad high, which could put the long term survivablility of the program in jeopardy in the unlikely event that these plans become popular. So, again, there is something for everyone here. Do your own “due diligence” and, if the program is the type of opportunity that tickles your interest, make an investment. However, always remember our two pieces of advice: diversify your investments and never invest more than you can afford to lose. Good Luck!
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