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Discussion.
First of all, let’s repeat the basic information about each of the three Maxi Bit investment plans as well as what we found out about them in Part 1 of the review.
BitPOOL Plan
5.2% for 25 days
$10 and up
Deposit included
Break even = 20 days
DNI = 1.2%
Lowest risk
MAXI Plan
2.2% for 20 days
$50 and up
Deposit returned
Break even = 20 days
DNI = 2.2%
Medium risk
CAPITAL Plan
170.77% after 30 days
$200 and up
Deposit included
Break even = 30 days
DNI = 2.4%
Highest risk
Let’s begin our discussion by taking a quick look at the breakeven points of the three investment plans. Two plans break even in 20 days and the third breaks even in 30 days. These numbers are not out of sight and, in fact, we always suggest that, in order to protect himself, the investor should aim at investment plans that break even within a month or so. All the plans are within this limit. However, it is important to keep in mind that the CAPITAL Plan doesn’t pay any returns at all until the plan breaks even at exactly 30 days.
A nice thing about all the MAXI Bit investment plans is that they are all affordable by the average HYIP investor. Even the CAPITAL Plan which has the highest minimum investment of $200 will probably be affordable by the majority of investors. In general, this is a good feature of an investment plan. The only time when it is probably not a good idea is when a plan offers a very rate of interest and a high minimum investment will limit its use and thereby protect the program from the obligation to make excessively high interest payments (and therefore help it to survive longer). But this doesn’t really apply to the MAXI Bit program. Although the DNIs for the MAXI and CAPITAL Plans are high, they aren’t “off the chart.”
It deserves repeating that the investment plans with the higher DNIs are the higher risk types of plans. This actually implies good design of the program by its administrators. This is the sensible approach and is the way things should be. Occasionally we encounter an HYIP that has been put together in a very careless manner and, when we analyze its investment plans, we find out that they are quite illogical.
DNI is average daily profit. Naturally, if you multiply it by seven, you get average weekly profit. I think better on a weekly basis. So, let’s do this arithmetic. The results are
Plan Weekly Profit
BitPOOL 8.4%
MAXI 15.4%
CAPITAL 16.8%
In HYIP Insights #**, we suggested aiming at programs offering investment plans having weekly profits between 5% and 15% as a compromise between profitability and risk. Here we’re referring to risk associated with the amount of the interest payment, not the type of investment plan. Looking at the data for our three plans above and comparing them with our suggestion, we see that they are slightly on the high side. This is probably OK as our suggestion is exactly that — a suggestion. It is not a rule cast in concrete. However, it might give the potential investor something to think about.
The most important thing to observe from these numbers might be that the MAXI and CAPITAL Plans are roughly TWICE as profitable as the BitPOOL Plan. This, of course, is a very tempting carrot to induce the investor to utilize one of the riskier plans.
Earnings Examples.
In a program such as this, it can be difficult for an investor to decide which investment plan to put his money into. Let’s try to answer this question by seeing what will happen with an investment of $200 into each of the plans…
BitPOOL
In this plan you will receive a return of 5.2% of your investment every day. This will be $10.40 (.052 x 200). After 20 days you will have received a total of $208 and you will have broken even. At the end of the plan, after 25 days, you will have received a total of $260, for a net profit of $60.
MAXI
In the MAXI Plan you receive a return of 2.2% per day. This comes to $4.40 per day (.022 x 200). By the end of the plan, after 20 days, you will have received an earnings total of $88 which is 44% (88/200 x 100) of your investment. On top of that, your $200 investment will be returned to you, making the $88 your net profit for the plan.
CAPITAL
This plan is very easy to understand. When it ends after 30 days, you will receive 170.77% of your investment which will be $$341.54 (1.7077 x 200). Subtracting 100% from this gross return, your total net profit will be $141.54.
Looking at these results, it is VERY difficult to compare them. The reason is that you are comparing apples to oranges to pears; you are comparing three very different animals. This is the reason why we always determine DNI for all investment plans offered by a program that we review (you are looking at the SAME animal for ALL investment plans). For example, if you compare the net profits of the MAXI and CAPITAL Plans, you are apt to conclude that the CAPITAL Plan is much more profitable because, in these examples, its net profit of $141 is much greater than the net profit of $88 for the MAXI Plan. Yes, the CAPITAL Plan has a slightly higher DNI. But, of course, the primary reason for this example to show such a large difference in profit is that CAPITAL Plan is 10 days longer that the MAXI Plan. This said, it is useful to compare the net profits of the BitPOOL and MAXI Plans. For the BitPOOL Plan we have $60 and for the Maxi Plan we have $88. This is significant because you are making MORE money from the SHORTER plan. The reason, of course, is that the DNI for the MAXI Plan is almost twice the DNI for the BitPOOL Plan. Although the MAXI Plan is riskier, in light of its MUCH greater earnings potential, it might be the better choice.
Conclusions.
The MAXI Bit program offers three very different investment plans. All are lucrative with two of them being almost twice as lucrative as the third. However, as expected, the least lucrative plan is the least risky. Everything considered, one of the more lucrative plans might be the best option. However, investment is a very individual thing and depends heavily on the personality of the investor. So, this is by no means a hard and fast recommendation. It is possible that with a reliable revenue stream and wise management practices, this program could have a decent chance of long-term survival.
I hope that this information is helpful.
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