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EmilyNews Neglects to Include Fees When Determining Profitability of VIC Investment Plans.

We just reviewed the VIPInvest Club (read the review here) investment plans and, in our review, we suggested that their new Trade Masters Plan might be unsustainable due to the relatively high return.  The Admin of the program informed us that we did not include the 5% administration fee that is charged on deposits and withdrawals and suggested that these fees will make the plan a much more sustainable one.  This is CORRECT.  We apologize for this oversight.

To see how an investment with this will work out, let’s work out some actual numbers with an imaginary investment of \$100 in the Trade Masters Plan.  We’ll do this in steps…

First, you are charged a 5% deposit fee that brings your deposit DOWN to \$95.

Second, during the 10-day period, you earn a gross profit of 125% bringing your investment UP to \$118.75 (1.25 x 95).

Third, you are charged a 5% withdrawal fee which brings your investment DOWN to \$112.81 (.95 x 118.75).

Fourth, this leaves you with a total net profit of \$12.81 (112.81 – 100).

Fifth, dividing this by the number of days in the investment plan, you get an average daily net profit of \$1.28 (12.81/10).

Sixth, this is equivalent to a daily net interest (DNI) of 1.28%.  This is within the range of DNIs that we at EmilyNews believe a program can afford to pay and have its overall program be a sustainable one.

Now, let’s do a similar calculation for an imaginary \$100 investment in the VIC Safe and Easy Plan.  We will use the 2%/day option.  Again, we will do the calculation in steps so that what we do is clear.

First, you are charged a 5% deposit fee that brings your deposit DOWN to \$95.

Second, this net deposit earns 2% per day for 60 days bringing your investment UP to \$114 (60 x 95 x .02).  Actually, you can withdraw this on a day by day basis.  But, to keep this simple, let’s assume that you let your earnings sit in your account until the end of the 60-day period.

Third, you are charged a 5% withdrawal fee that brings your investment DOWN to \$108.30 (.95 x 114).

Fourth, this leaves you with a net profit of \$8.30 (108.30 – 100).

Fifth, this is a total net percent profit of 8.30%.

Sixth, this averages out to an average daily net interest (DNI) of 0.14% (8.3/60).   This value of DNI is very low and, by HYIP standards, this would not be a profitable program.  However, it should certainly be a sustainable one.

On a weekly basis, the 2% Safe and Easy Plan is therefore paying you approximately 1% interest (.14 x 7).  Again, while this should be a sustainable return, it is not a particularly profitable one for the HYIP investor.  Please see HYIP Insights #23 for an article on this.

DNIs for the 2.5% and 3% Safe and Easy Plans will, of course be higher.  However, like the 2% plan, you can probably expect them to be roughly one third to one half of what we determined in our review.

The bottom line of all this is that the VIPInvest Club investment program has the potential to be a sustainable one.  The new Trade Masters Plan offers a sensible return but the investor must wait until the end of the plan to receive any earnings.  Due to deposit and withdrawal fees that are changed, the Safe and Easy Plans will be considerably less profitable than the typical HYIP.

I hope that this correction to our review of the VIPInvest Club investment program is helpful to you.

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