The Gippo Miners Investment Plans.

As we indicated in our recent “First Thoughts” article, Gippo Miners offers three very easy-to-understand investment plans.  They all pay interest on a daily basis and return your investment as part of your earnings.  Here’s the information about the plans as it appears on the Gippo Miners’ website:

Plan #1
2.3% per day for 65 days
\$10 – \$250

Plan #2
2.8% per day for 50 days
\$251 – \$2,000

Plan #3
3.5% per day for 40 days
\$2,001 and up

Analysis of the Gippo Miners Investment Plans.

Let’s begin our analysis of the Gippo Miners investment plans by determining how long it takes each of them to break even.  This is very easy to do.  You simply divide 100% by the percent interest you receive on a daily basis.  For example, for Plan #1, you divide 100% by 2.3% to get that the plan breaks even in around 44 days.  Repeating this arithmetic for the other two plans, you get the following results:

Plan #1                 44 days
Plan #2                 36 days
Plan #3                 29 days

Next, let’s determine the average daily profit or net interest that each of the Gippo Miners investment plans pays over its lifetime.  You do this by determining the total net interest that a plan pays and dividing it by the number of days in the plan.

For Plan #1, the total GROSS interest that the plan pays equals the daily gross interest of 2.3% times the number of days in the plan.  Multiplying 2.3% by 65 days, you get a total gross interest of 149.5%.  Since this includes your investment, you must subtract 100% to get the total NET interest that the plan pays.  In this case, it will be 49.5%.  Finally, dividing this by the 65-day length of the plan, you get an average daily net interest, or DNI, of 0.76%.  Repeating this same arithmetic for the other two Gippo Miners investment plans, you get the following:

Plan #1                 DNI = 0.76%
Plan #2                 DNI = 0,80%
Plan #3                 DNI = 1.00%

Now, let’s take a close look at these numbers and see what they tell us about the Gippo Miners investment program…

Discussion.

First, it is important to note that the Gippo Miners investment plans are probably the best TYPE of plan that you can find.  Many other HYIPs offer plans of this type, but it is by no means a universal procedure.  First, the plans return your earnings as part of your interest and, second, they return all of your earnings before the plan ends.  This implies that the plans break even before they end — as we discovered on the previous section.  The result is that the portion of your investment which is at risk gradually decreases as time goes on until all of it has been you returned to you when the plan breaks even.  After that, all your earnings are “pure profit.”

Plan #1 take somewhat over six weeks to break even while Plan #2 takes around five.  These break even times are satisfactory.  However, it would be nicer if they were only a month or less.  Plan #3 breaks even in almost exactly four weeks which is good.  However, we expect that plan not to be very popular due to the \$2,000 minimum investment requirement.  Of course, we realize that, if interest rates were increased to cut down the breakeven times, the survivability of the program would be put at greater risk.  These are hard decisions that the administrators of online investment programs have to make.  Gippo Miners has probably made the right decision: Keep interest under control and keep the program running for a long time!

This brings us to a discussion of profitability.  If you multiply the DNI of each investment plan by seven, you will get the average weekly profit that each plan pays over its lifetime.  Here are the results of that arithmetic:

Plan #1                 5.3%
Plan #2                 5.6%
Plan #3                 7.0%

In HYIP Insights #23, we went into a detailed discussion of how much profit makes sense for an online investment program.  Our suggestion is that an investor should aim at programs offering between 5% and 15% per week and that programs offering returns on the low side of this range would be more apt to survive in the long term.  So, for the investor that is content netting a reliable five or six percent per week, Gippo Miners could be the program he is looking for.

Earnings Examples.

Example #1.  Invest \$100 in Plan #1.  The daily return would be 2.3% of this or \$2.30.  By the end of the plan you would have received 65 times this or \$149.50.  Since this includes your \$100 investment, your net return would be \$49.50.

Example #2.  Invest \$500 in Plan #2.  The daily return would by 2.8% of this or \$14.00 (.028 x 500).  By the end of the plan, you would have received 50 times this or \$700.00.  Since this includes your \$500 investment, your net return would be \$200.

Conclusions.

Gippo Miners offers three very easy-to-understand investment plans.  Compared to many other HYIPs, the interest that these plans pay is somewhat low.  However, the bright side of the picture is that this could greatly increase the chances that this program will survive for a very long term.  We believe that this is the most important consideration.

I hope that this information is helpful.

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