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The VIPInvest Club Investment Plans.

In our “First Thoughts” article about VIPInvest Club (VIC for short), we introduced their investment plans in the following way:

VIC offers a total of eight investment plans and all of them return your investment as part of your daily earnings.  Five of the plans run for 90 days while three of them run for 60 days.  The maximum gross daily return in both sets of plans is 3%.  A quick calculation tells me that the 90-day plans are more profitable than the 60-day plans.  However, it appears that all of the plans are well-thought-out with sensible net returns that could lead to long-term survival of the overall program.  We will provide more details on VIC when we make a thorough review their investment program a few days from now.  Please stand by…

Here is some additional information on investment limits for the VIC investment plans as given in their website:

90 Day “Early Bird” Plans

Daily Gross Return      Investment Limits
2.2%                            \$200 – \$499
2.4%                            \$500 – \$1,000
2.6%                            \$1,001 – \$5,000
2.8%                            \$5,001 – \$10,000
3.0%                            \$10,001 – Unlimited

60 Day “Safe and Easy” Plans

Daily Gross Return      Investment Limits
2%                               \$50 – \$250
2.5%                            \$251 – \$1,000
3.0%                            \$1,001 – Unlimited

Analysis of the VIPInvest Club Investment Plans.

When we analyze a company’s investment plans, we typically determine two items: breakeven point and average daily net interest (DNI).  Thankfully, the VIC investment plans are very easy to understand.  So, this job will be easy for us.  Let’s determine the breakeven points of the eight investment plans first.  This is very easy to do.  Looking at the 2.2%/day Early Bird Plan, we simply divide 100% by 2.2% to get that the plan will break even in around 46 days.  If you do the same arithmetic for all the other plans, you will get the following results:

90 Day “Early Bird” Plans

Daily Gross Return      Breakeven Point
2.2%                            46 days
2.4%                            42 days
2.6%                            39 days
2.8%                            36 days
3.0%                            34 days

60 Day “safe and Easy” Plans

Daily Gross Return      Breakeven Point
2%                               50 days
2.5%                            40 days
3.0%                            34 days

The DNI of an investment plan is the total NET interest that you receive from it averaged out over the length of the plan.  DNI might be the best way of comparing the profitability of one investment plan with another.  For the 2.2% Early Bird Plan that runs for 90 days, the total gross interest that you will receive is 198% (2.2 x 90).  Subtracting 100% from this because it includes your investment, you get a total net interest (total profit) of 98%.  Finally, averaging this out over the 90-day investment period, you get a DNI of 1.09% (98/90).  If you do the same arithmetic for the other investment plans, you will get the following results:

90 Day “Early Bird” Plans

Daily Gross Return      DNI
2.2%                            1.09%
2.4%                            1.29%
2.6%                            1.49%
2.8%                            1.69%
3.0%                            1.89%

60 Day “safe and Easy” Plans

Daily Gross Return      DNI
2%                               0.33%
2.5%                            0.83%
3.0%                            1.33%

OK, we’ve come up with a lot of numbers for the VIC investment plans.  Here’s a chart summarizing everything that we’ve found out:

90 Day “Early Bird” Plans

Daily Return    Investment Limits       Breakeven Pt   DNI
2.2%                \$200 – \$499                 46 days            1.09%
2.4%                \$500 – \$1,000              42 days            1.29%
2.6%                \$1,001 – \$5,000           39 days            1.49%
2.8%                \$5,001 – \$10,000         36 days            1.69%
3.0%                \$10,001 – Unlimited   34 days            1.89%

60 Day “Safe and Easy” Plans

Daily Return    Investment Limits       Breakeven Pt   DNI
2%                   \$50 – \$250                   50 days            0.33%
2.5%                \$251 – \$1,000              40 days            0.83%
3.0%                \$1,001 – Unlimited     34 days            1.33%

In Part 2 of this review we’ll take a close look at these numbers in an effort to determine the pros and cons of the VIPInvest Club investment program.  Right now, I would say that it looks like a fairly sensible well-thought-out program.  But, please stand by for Part 2 when we’ll take a more detailed look at things…

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