This program has STOPPED paying! Do not invest there!
Discussion.
In Part 1 of this review (that you can read here), we tried to unravel the details of the five Amazing Flow investment plans in an effort to make them more understandable. In this second part of the review, we’ll take a close look at the results from Part 1 in an effort to determine the strong and weak parts of the investment plans.
Just so that we have everything in one place, I’m going to repeat what we came up with in Part 1 here. Then we will be ready to start our discussion…
First, here is the summary information for each of the five investment plans:
Plan #1
1% daily for 22 days
Total gross interest. 122%
$20 – $10,000
Deposit returned at end of period
Plan #2
5.5% daily for 25 days
Total gross interest. 137.5%
$70 – $50,000
Deposit included
Plan #3
5.33% daily for 30 days
Total gross interest. 160%
$150 – $100,000
Deposit included
Plan #4
5.36% daily for 35 days
Total gross interest. 187.5%
$1,000 – $100,000
Deposit included
Plan #5
5.22% daily for 45 days
Total gross interest. 235%
$5,000 – $100,000
Deposit included
We also determined values of DNI for each of the investment plans as well as the number of days for each of the plans to break even. I’ll repeat that information too:
DNI
Plan #1. 1.0%
Plan #2. 1.5%
Plan #3. 2.0%
Plan #4. 2.5%
Plan $5. 3.0%
Days to Break Even
Plan #1. 22 days
Plan #2. 18.2 days
Plan #3. 18.8 days
Plan #4. 18.7 days
Plan $5. 19.2 days
The first thing that hit me after I had all this information in front of me are the values for DNI. As you move up through the five investment plans, the DNI increases by 0.5% for each plan. IT SEEMS THAT THE INVESTMENT PLANS HAVE BEEN DESIGNED AROUND DNI! This is the first time I have seen this occur with an HYIP! And, this is the right approach! DNI is the measure of profitability of an investment plan and therefore it should be the most important factor in its design. Typically, it appears that the DNIs of investment plans offered by an HYIP happen by ACCIDENT. Not in this case! The DNIs were obviously selected FIRST and then the investment plans designed to obtain them. This shows an unprecedented amount of financial foresight on the part of the Amazing Flow administration.
As you will recall from previous reviews, we always refer to the article in HYIP Insights #12 where we suggest that programs offering investment plans with DNIs less than 1% might have a good chance of long-term survival while programs offering investment plans with DNIs greater than 2% might have a poor chance. Between 1% and 2% is a borderland where other factors might come into play that could be very significant. Amazing Flow offers investment plans having DNIs that range from 1% up to 3%, increasing (as we have already noted) by 0.5% as you move up through the five plans.
There is another important factor that comes into play here which is the minimum investment required to take advantage of the different investment plans. The first three investment plans have minimum investments of $20, $70, and $150, which are all within the reach of the average online investor. However, the minimum investment for Plan #4 jumps up to $1,000, which is getting kind of high, and for Plan #5, it is $5,000 which is probably out of reach of almost all online investors. The point is that most of the activity in the Amazing Flow investment plans will be in the plans with the lower DNIs. So, it is quite possible that, with good management practices, the program could be a survivor. It is obvious that a lot of thought was put into selecting these DNIs. Let’s hope that some serious thought was also given to how well the company would be able to fulfill its obligations for paying interest earnings to its investors in the long term.
There are a number of other interesting things about these investment plans. First of all, Plan #1 is the only one that holds your principal until the end of the plan. All the others return it as part of your earnings. The article in HYIP Insights #18 compared these two types of plans and the conclusion is simply that the plan which returns your deposit as part of your earnings is better since you are recovering it as the plan goes along and you will break even BEFORE the end of the plan. This is the case with Plans #2 through #5. From this point of view, since the minimum investment for Plan #2 is only $70, this would seem like a preferable option to Plan #1. In addition, Plan #2, with a DNI of 1.5%, is significantly more profitable than Plan #1, with a DNI of 1%. And, finally, as already implied, Plan #2 breaks even in 19 days while Plan #1 doesn’t break even until the plan ends after 22 days.
Here is something else that is very interesting. The daily gross interests that are paid for plans #2 through #5 are all roughly the same — in the narrow range between 5.22% and 5.50%. In fact, Plan #2 with the lowest DNI of the lot has the highest daily gross interest of 5.50% while Plan #5 with the highest DNI has the lowest daily gross interest of 5.22%. I suspect that this is the reason that Amazing Flow did NOT give these gross interest rates in the description of the investment plans, as they might give many people the impression that the longer-term plans are LESS profitable. However, we have always emphasized in our blog that profitability depends on TWO things: interest rate AND investment term. DNI accounts for BOTH these factors.
If you look at the time for Plans#2 through #5 to break even, you will see that they all are about the same. This is because they all pay roughly the same daily gross interest. What makes the plans profitability change is how LONG the plans are. The longer a plan runs after it breaks even, the more days that you have where you are making “pure” profit. This is the logic behind the Amazing Flow investment plans.
Conclusions.
Amazing Flow offers five investment plans. The lowest interest plan returns your deposit at the end of the plan while the other four return it as part of your earnings. The investment plans appear to be exceptionally well-thought-out with daily net interest rates that increase by a precise amount as you move up from plan to plan. The trade-off is that, in order to enjoy the plans offering the higher interest rate, you have to commit to a larger minimum investment. However, this is beneficial to the overall program as the higher minimum investment requirement of the higher interest plans will decrease their popularity and thereby add to the sustainability of the overall program. The lowest interest investment plan that returns your deposit at the conclusion of the plan may be a poor choice compared to the plan immediately “above” it for reasons given previously. The high amount of thought that was obviously given to the development of the Amazing Flow investment plans suggests that the administrators of the program might be committed to a relatively long-term online presence. However, we always advise caution when investing in ANY online HYIP. The unexpected can most certainly happen!
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