Discussion.
In Part 1 of our review of DF Capital, we determined the breakeven points and average daily net interest for each of the company’s four investment plans. Let’s repeat that information here along with the basic information about each of the plans.
Plan #1
2.0% daily for 70 days
$10 – $500
Break even = 50 days
DNI = 0.57%
Plan #2
2.5% daily for 60 days
$501 – $3,000
Break even = 40 days
DNI = 0.83%
Plan #3
2.8% daily for 50 days
$3,001 – $5,000
Break even = 36 days
DNI = 0.80%
Plan #4
3.3% daily for 40 days
$5,001 – $10,000
Break even = 31 days
DNI = 0.80%
First, we should note that the investment plans offered by DF capital is the best type of plan. Basically, there are three types:
- Those that pay all of your earnings and return your investment at the end of the plan
- Those that return some (or even most) of your earnings on a daily basis and return your investment at the end of the plan
- Those (like the DF Capital plans) that return your interest along with your earnings on a daily basis
It is easy to understand why the DF Capital type of plan is the best. Three reasons. First, you don’t have to wait until the end of the plan to recover your investment. Second, the portion of your investment that is at risk is constantly decreasing — often at a very rapid rate. And, third, toward the end of the plan, you are making “pure profit.”
Concerning breakeven points, with the exception if Plan #1 that breaks even in 50 days, all of the other plans break even in a month or so (30 to 40 days). This is a reasonable length of time in HYIP world.
As we indicated in Part 1 of this review, the very interesting thing about the DF Capital investment plans is that three of them (Plans #2, #3, and #4) all have essentially the same DNI. This means that, assuming the plans run to completion, all of them will pay you the same average profit per day. So, a person will logically ask, “does it make any difference which investment plan is used?” The answer is simple. If you have a concern that the program won’t survive very long, you should opt for Plan #3 or Plan #4 instead of Plan #2 because they are shorter in duration. However, from a practical point of view, this will be difficult for most investors because Plan #3 has a minimum investment of $3,001 and Plan #4 has a minimum investment of $5,001. In fact, we always recommend that a person NOT invest large sums of money in ANY online investment program unless the program can prove to you that it is a stable as a savings bank where you would put your money. Unfortunately, there are few, if any, HYIPs in this category. So, for all practical purposes, probably only the first two DF Capital investment plans will be popular. Comparing these first two plans, there are some very significant differences in favor of Plan #2. First, it breaks even 10 days faster than Plan #1 and, second, it also is significantly more profitable (a DNI of 0.83% vs. a DNI of 0.57%). In light of this, the online investor might want to try very hard to generate the $500 minimum investment required for Plan #2 so that he can take advantage of these differences.
With a DNI of 0.83%, Plan #2 puts DF Capital in the group of HYIPs that we feel should have a good chance of long-term survival. In HYIP Insights #12, we suggested that programs offering investment plans with DNIs less than 1% would be in this group. The flip side of risk is profitability. With a DNI of 0.83%, the average weekly profit that you would receive from this plan is close to 6%. In HYIP Insights #23, we suggested that the investor aim at programs offering investment plans having weekly profits between 5% and 15%. As you might have expected, Plan #2 is at the low end of the profit range. But, this is the trade-off that we must expect for an investment program that we hope will be more stable than the typical HYIP.
Earnings Example.
It is very easy to quickly go through a number of investment scenarios on the calculators that accompany each of the DF Capital investment plans. In fact, I strongly recommend that you do this. However, for the sake of illustration, let’s do one example here. We’ll assume that you were able to come up with the $500 (actually $501) required for Plan #2 and have decided to invest it. Here’s what will happen. Every day, you will receive a return of 2.5% of this or $12.50. After 40 days you will have received a total of exactly $500. So, as we already knew would happen, that’s when you will break even. After this, any earning you receive is “pure profit.” By the end of the plan (after 50 days), you will have received a total of $625 (50 x 12.5). Subtracting your investment of $500 from this, you see that you made $125 in 50 days. Not bad at all!
Conclusions.
DF Capital offers four medium-term investment plans that all return your investment as part of your earnings. The two plans that pay the lower daily interests (and have the longest terms) will probably be the most popular as the plans that pay higher daily interests have minimum investments that will be out of reach of most investors. The DF Capital investment plans appear to be well-though-out as they provide a satisfactory level of profit with a much better than average chance for long-term survival. This program should have special appeal to the conservative investor looking for a more stable source of income than other HYIPs might offer.
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