This is SCAM project already! Do not invest there anymore!
Empire Big Capital Limited (EBC) has a bit of a history. The word “big” in the name of the company might sound silly for some American investors. However, it should be remembered that this is a Chinese company and in that country the use of the word isn’t inappropriate or unprofessional at all. Originally incorporated in Hong Kong in 2013, the website provides videos of the gala launching celebrations of the company that took place in both Hong Kong and Kuala Lumpur, Malaysia, at that time. These were black tie events, complete with floor shows and, of course, plenty of good food. Very impressive events! Just recently, EBC incorporated in the United Kingdom and, only a little more than a week ago, launched its online investment program.
According to the website, EBC is “involved in a wide-range of the business fields that are very close to the venture capital industry. Since 2013 the company offers long-term investments at the stages of business planning and startups. Venture capital allows us to implement projects with innovative content, and joint ownership of such companies provides a high degree of control over the cash flows as well as timely and accurate settlement of obligations towards investors.” The venture capital asset class typically comes with a higher risk and return expectation than other asset classes such as public stocks, bonds or treasuries. However, EBC claims that “Experience and practical application of knowledge by company’s analytics make venture capital investments profitable and sufficiently safe for a long period.” So, EBC “unites the efforts of both sides, helping investors to receive the desired passive income and businessmen to obtain financing to realize their dreams.”
EBC offers seven investment plans for you to choose from. There is something for everyone! All are based on calendar days (rather than business days). Three plans give your principal back at the end of the investment term and four return it as part of your interest earnings. Here is a summary of the first three “principal back” plans:
EBC – D15
2.15% daily for 15 days
Total interest earnings: 32.25%
Minimum: $10
Maximum: $100,000
EBC – D25
2.45% daily for 25 days
Total interest earnings: 61.25%
Minimum: $500
Maximum: $100,000
EBC – D35
2.95% daily for 35 days
Total interest earnings: 103.25%
Minimum: $1,000
Maximum: $100,000
There is nothing too unusual about these plans. Interest is paid daily and you can withdraw it as soon as it’s posted in your account. In the listing, I’ve also included the total interest earnings for the investment term. This was calculated by simply multiplying the daily percent by the number of days. In the first two plans, since you don’t earn 100% of your deposit before the end of the investment term, you will have to wait till the end of the term to see a profit. In the third investment plan, you will break after 34 (100/2.95) days, just a day before the end of the term.
Let’s use the first plan, D15, as an example, assuming a deposit of $100. Your daily interest earnings will be $2.15 (.0215 x 100). So, by the end of the 15 day investment term, you would have earned a total of $32.25 (15 x 2.15), which is 32.25% (32.25/100 x 100) of your original investment. To repeat what I’ve already said, since this is less that your investment, you have to wait till the end of the investment term to see a profit. A nice thing to remember about these plans is that every day you are recovering a part of your initial deposit so that every day you have less funds at risk.
This is a major difference from the next four investment plans that include your deposit in your interest earnings. We’ll discuss them next. Here they are in summary form:
EBC – A3
105% after 3 days
Minimum: $10
Maximum: $10,000
EBC – A7
115% after 7 days
Minimum: $100
Maximum: $50,000
V.I.P. FAST
220% after 15 days
Minimum: $5,000
Maximum: $100,000
V.I.P. LONG
310% after 30 days
Minimum: $1,000
Maximum: $100,000
There are two important distinctions between these four plans and the three we discussed previously. First, as I’ve already indicated, your deposit is included as a part of your interest earnings and is not returned to you separately at the end of the investment term. This is the reason the interests seem much higher for these four plans. Second, you don’t receive ANY payment at all until the end of the investment term. Frequently, plans like these that return your principal along with your earnings will pay the earnings on a daily basis. However, again, in these plans you don’t receive anything until the plan ends. So, even though your principal is included with your interest earnings, you don’t receive it till the end of the investment term. So, you might also call these “principal back” investment plans just like the first three.
Let’s do a few examples to see how all this works out. They are very simple to understand. First, assume an investment of $100 in the A3 plan. After three days you would simply receive 105% of this or $105 (1.05 x 100). The important thing is that you get this all at once — at the end of the three day investment term. Second, assume an investment of $100 in the A7 plan. In the same way, you would receive 115% of this or $115 (1.15 x 100) after 7 days. In the first case you earned $5 in 3 days and, in the second, you earned $15 in 7 days. Which is the best deal? In the first case, you earn $1.67 (5/3) — or 1.67% per day. In the second, you earn $2.14 (15/7) — or 2.14% per day. So, on a day by day basis (although you don’t get paid till the end of the investment term), the second plan is more profitable. The downside of the second plan is that your investment is at risk more than twice as long before you will realize your profit.
Finally, let’s go back and compare these plans to the D15 plan of the first group of three investment plans. For this plan you earned 2.15% per day. This is essentially the same as the rate for the second of the two plans we just discussed. However, remember that in the D15 plan, your interest earnings could be withdrawn on a daily basis. Since the interest isn’t any greater in the A3 and A7 plans, it would therefore seem that the D15 plan is the way to go.
Finally, let’s take a look at the V.I.P. Long plan. In 30 days you earn a total gross interest of 310%. Since your deposit is included in that, you subtract 100% to get your pure profit which would come to 210%. Dividing this by 30, you get the effective percent of pure profit per day which is 7%. This is much higher than the D35 plan of the first group of plans. However, in this plan you have to wait for the entire 30 days to elapse before you see any earnings. In the D35 plan, although the interest is only 2.95% (for 35 days), you will receive interest earnings every day. This is a hard choice as big money is involved; both plans have a high minimum deposit. Actually, the interest rate in this VIP plan is amazingly high. But, still again, you don’t receive a penny back for a month. Hard choices! But, that’s what the HYIP “game” is all about! We have written an article about this game that you might be interested in. You can read it here.
I think that EBC should seriously consider paying interest earnings on a daily basis for this second group of four investment plans. That would put them on a par with other HYIPs of this type (deposit returned as part of interest earnings).
EBC has a fairly decent affiliate program that pays 6%, 2%, and 1% on deposits in the first three levels of an investor’s downline. You do not have to have an active deposit to participate in the affiliate program. It is also possible to become a representative of EBC and earn significantly higher commissions which increase to 12%, 3%, and 1%. However, there are requirements in order to become a representative which include doing “a review, promoting the EBC company and share on your blogs, websites or on social networks. After the share, please fill a small form with your information. Our team will review your request and contact you back within a few days.”
EBC uses the following payment processors: Perfect Money, Payeer, AdvCash, NIXmoney, and Bitcoin. Supposedly withdrawals are processed instantly although, realistically, I would expect some delay when using Bitcoin due to the verification process. The minimum deposit is $10 or 0.01BTC. The minimum withdrawal is $0.10 or .00123BTC. As usual, I must remark that the minimum withdrawal is much too low. Ten cents doesn’t buy hardly anything, at least in the US. Even one dollar would seem like a low minimum.
For support there is an email address as well as Skype chat. There is also an active Facebook page which might possibly be helpful.
In closing, EBC has a wide selection of investment plans. Interest rates range from good to amazing and terms from a few days to over a month. In this review, I have tried to give a few examples showing the wide variety of investment scenarios that you can come up with from these plans. There are many more. The wise investor will carefully consider the pros and cons of the investment alternatives that he focuses on. As usual, if you do decide to invest with EBC, we advise you to make your investment a small part of a diverse portfolio; never put all your eggs in one basket. And, of course, never invest more than you can afford to lose. Good Luck!
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To the Admin: We always welcome comments on our reviews — pro or con — and we will be happy to publish them in the Emily News blog.
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