This program moved to PROBLEM! Do not invest there!
Discussion.
To begin, let’s list in tabular for what we learned about the six Xorrtos investment plans in Part 1 of this review. Here’s what we’ll list for each of the plans:
Length of the plan in days (Length)
Days to break even (B.E.)
The percent of your investment that you recover before the plan ends (% Inv)
The average daily net interest that the plan pays (DNI)
The minimum investment required (Min)
When your investment is returned to you — at the end of the plan or with your earnings (Return)
Plan Length B.E. % Inv DNI Min Return
1 35 35 66.5% 1.9% $10 End
2 40 40 80% 2.0% $150 End
3 30 20 100% 1.67% $20 Earnings
4 25 25 55% 2.2% $1,000 End
5 21 21 0% 5.24% $2,100 End
6 50 50 0% 6.6% $50 End
The Xorrtos program might be unique in that it offers a number of different types of investment plans that differ widely from one another. They are cleverly designed such that the plan with the highest profit potential come along with the highest risk. But, because the plans are of different types, it is difficult to make comparisons. What we will try to do in this part of the review, with the help of this table, is to sort through some of this so that you will be able to make a more informed decision as to whether or not you would like to invest with Xorrtos and, if you do decide to invest with them, which of their investment plans might be best for you.
First of all, it is important to note that only Plan #3 breaks even before the plan ends. Plan #3 is also the only plan that returns your investment as part of your earnings. All the other plans return your investment at the end of the plan. Plans #1, #2, and #4 provide daily or weekly earnings that decrease your risk as the plans progress — which is some help. Plans #4 and #5 do not provide any returns at all until they end. So, as you might expect, Plan #3 is least profitable (lowest DNI); Plans #1, #2, and #4 are more profitable (medium DNIs); and Plans #5 and #6 are extremely profitable (highest DNIs). Again, the name of the HYIP game is simple: high risk = high profits and vice versa.
Another important factor to keep in mind is the length of an investment plan and the length of time it takes to break even. Plan #3, which is the least profitable, breaks even in only 20 days, although its total length of 30 days. And, since your investment is being returned to you as part of your earnings, after only 10 days, for example, you would have received half of your investment back. On the other end of the spectrum, Plan #5 is only 21 days long, at which time you receive both your earnings and your investment. But, again, you must bite your fingernails this entire 21-day period hoping the program doesn’t close before the investment plan is over. To complete the comparison, Plan #5 is over three times as profitable as Plan #3; it’s DNI of 5.24% is over three times the 1.67% DNI of Plan #3.
There is an additional factor that complicates all this further: the minimum investment that is required. Plan #5 which might be attractive to the adventuresome investor requires a rather hefty $2,100 minimum investment. In fact, if you compare minimum investment requirements to factors related to risk and profitability, you will see that, for all the plans, high minimum investment goes along with high profits except in cases like Plan #6 where there is a low minimum investment and high profits because the risk is so high due to the length of the plan. With a DNI of 6%, Plan #6 is slightly more profitable that Plan #5. However, since it is well over two times as long and you don’t receive your earnings or investment back until the plan ends, the high risk involved for the minimal additional return wouldn’t seem to make sense. A wiser course of action would probably be to invest in Plan #5 two times. During the first 21 days, you would more than double your money. Then reinvest your original investment amount and try again. If the program should close the second time around, you will not have lost anything.
In short, if a plan has a feature that might make it attractive, you will see another factor that will make it equally unattractive.
So, if Xorrtos appeals to you, the plan that you select will depend on your “investment personality.” The conservative investor will probably opt for Plan #3; the very adventuresome investor will opt for Plan #5. If you are somewhere in the middle, you might opt for Plans #1, #2, or #4.
One last item that we haven’t yet discussed in this review is the probability of the overall program surviving in the long term. While you have probably already realized that the Xorrtos investment plans are quite profitable, the flip side of the coin is that programs offering highly profitable investment plans might have the cards stacked against them in-so-far-as long-term survivability is concerned. We typically use DNI to give us an idea of the chances of a program surviving in the long term. In HYIP Insights #12 we suggested that programs offering investment plans with DNIs greater than 2% might be at risk of closing prematurely. Well, Plans #1 through #4 have DNIs that are approximately equal to 2%; they are borderline. However, Plans #5 and #6 have DNIs that are quite a bit higher. The saving factor might be that Plan #5 might not be too popular because of the high initial investment and Plan #6 might not be too popular because of the long term. So, neither might be used that much and the obligation of Xorrtos to pay these high interest returns might be minimized. Given this situation, it would appear that, with exceptionally wise management, the Xorrtos program might possibly be with us for a long time.
In an effort to sum all this up, perhaps all that can be said about the Xorrtos investment plans is that the potential investor should very carefully study all the factors listed in the table we provided in an effort to decide on an investment plan that agrees with the level of risk he is willing to take — and, of course, is within his financial means.
Earnings Examples.
In an effort to help you understand what will happen if you invest your money in these very different plans, let’s go through a “dollars and cents” example comparing what would happen to your money if you invested the same amount in three of these plans. We’ll select Plans #1, #3, and #5 as they are each of a different type and at least the first two plans are roughly the same length. We’ll use $2,100 as our investment as it is the minimum acceptable for Plan #5. If you can’t afford this amount, you might only want to look at the numbers comparing Plans #1 and #3.
Once again, here’s the given information about these three investment plans:
Plan #1: 1.9%/day for 35 days. Investment returned at end of plan.
Plan #3: 5% per day for 30 days. Investment returned with earnings
Plan #5: 210% after 21 days.
For Plan #1, you will receive $39.90 (.019 x 2,100) per day for the duration of the plan. This comes to a total of $1,396.50 (35 x 39.90) by the end of the 35-day period. Then at the end of the plan you will receive your $2,100 back. This gives a total gross return of $3,496.50 (1,396.50 + 2,100). Note that you didn’t break even before the end of the plan.
For Plan #3, you will receive $105 (.05 x 2,100) per day for the duration of the plan. This comes to a total of $3,150 after 30 days. Note that you will break even in 20 days.
For Plan #%, you will receive a total of $4,410 (2.1 x 2,100) at the end of the 21-day plan.
Conclusions.
Xorrtos offers six investment plans of widely differing types that have widely differing levels of risk and profitability. The investor should carefully consider all the factors about these investment plans before making an investment decision. The Xorrtos investment plans are very lucrative, the two highest interest plans being exceptionally so. Given this situation, there is probably a greater than average risk in investing with Xorrtos.
I hope this information is helpful.
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