This program moved to CLOSED! Do not invest there!
Discussion.
Let’s begin Part 2 of our review by repeating what we found out about the CryptoLight investment plans in Part 1. Here it is:
4%/day for 45 days
DNI = 0.89%
Break even = 25 days
$15 – $15,000
7%/day for 20 days
DNI = 2.00%
Break even = 15 days
$200 – $2,499
8%/day for 20 days
DNI = 3.00%
Break even = 13 days
$2,500 – $50,000
We already pointed out in Part 1 of the review that the method of payment of earnings used by CryptoLight is the best one. Specifically, you receive earnings on a daily basis PLUS your investment is returned as part of your earnings. As a result, the portion of your investment that is at risk (in case the program closes prematurely) becomes smaller every day. Of course, after you break even, there is no risk at all. Furthermore, the time to break even in all the CryptoLight investment plans is relatively short — less than a month; for the 7% and 8% plans it is only around two weeks.
If you multiply DNI by seven, you get the average weekly profit that you will earn from each of the investment plans. Here’s that result:
Plan Weekly Profit
4% 6.23%
7% 14%
8% 21%
There are radical differences in profitability between the three investment plans. It would appear that, if an investor can come up with the minimum investment of $200 required for the 7% plan, that this would be the way to go. This plan also ends before the 4% plan breaks even. So, not only is the plan twice as profitable, it is also half as risky. This might be the wisest choice for the serious investor. Of course, for the more well-to-do investor, there is the 8% plan that has an extremely lucrative return. However, the $2,500 minimum investment will discourage most investors. As we shall see shortly, this might be a blessing in disguise for the survivability of the overall program.
The flip side of profitability is always increased risk. Greater returns place a greater burden on the company to come up with the funds required to meet its financial obligations. This is the reason that HYIPs which promise exorbitant returns usually close very quickly. For this reason, in HYIP Insights #12, we suggested that programs offering investment plans having DNIs higher than 2% might be putting their survivability at risk. The 8% plan, with a DNI of 3%, is certainly in that category. The saving grace is that this plan probably won’t be very popular due to the high minimum investment that it requires. And, we must emphasize that the 2% “rule” is only our SUGGESTION — our opinion. I would say that, in this specific case, anything could happen! You will have to be the judge…
Earnings Examples.
Let’s assume an investment of $200 in the 45-day plan. A daily return of 4% will amount to $8 per day. You can see that, after 25 days, you will have made exactly $200 and that’s when you will break even. By the end of the 45-day period, you will have received a total gross return of $360. Since you invested $200, your net profit will be $160
Next, let’s assume that you invest this same amount, $200, in the 7% plan. For this plan, your daily return will be $14 (.07 x 200). After 15 days you will have received $210 (14 x 15). So, that’s when you break even. By the end of the 20-day period, you will have received $280, for a net profit of $80.
So, in the 7% plan you earn half as much as in the 4% plan, but in LESS than half the time period. The adventuresome investor might want to reinvest in the 7% plan to earn a total amount equal to what he would earn in the 4% plan, but in five days less. The REALLY adventuresome investor might want to reinvest not only his principal but also his earnings from the first 20 day period. This is a form of compounding. On the other hand, the REALLY conservative investor will be happy with his earnings after the first 20-day period and will leave the program at that point. These choices all depend on the personality of the investor and on how much risk he is willing to take in an effort to earn greater profits.
Conclusions.
The CryptoLight program offers three investment plays. The lower interest plan is 45 days long while the two higher interest plans are only 20 days long. The 45-day plan breaks even in somewhat less than a month while the two higher interest plans break even in around two weeks. The 20-day plans are much more profitable than the 45-day plan. Everything considered, it seems to appear that the plan offering a 7% return for 20 days is the optimum investment platform.
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