This program moved to PROBLEM! Beware and do NOT invest there!
Discussion.
A day has gone by since I wrote Part 1 of this review and now a new set of data appears on the Lendera website for daily interest and length of plan for each of their eight crypto investment plans. All of the numbers are in the same ballpark as the two sets of daily data that I included in Part 1 of the review. So, it obviously makes no sense to add another set of data; this could go on forever! However, given that the numbers we have to work with change on a daily basis, but that they are in the same ballpark as data from previous days, we will still be able to make GENERAL STATEMENTS about the Lendera investment plans.
Just so that we have something to refer to, I’m going to repeat the data from April 26. But, keep in mind that these numbers change on a daily basis. Again, we will only refer to them in general terms. Here are the numbers:
Crypto Daily Return Plan Length Break Even DNI
BTC 2.3% 72 days 44 days 0.91%
ETH 2.35% 69 days 43 days 0.90%
LTC 2.7% 60 days 38 days 1.03%
DASH 2.05% 81 days 49 days 0.86%
XRP 2.2% 72 days 46 days 0.81%
DOGE 2.5% 60 days 40 days 0.83%
BCH 2.43% 72 days 42 days 1.04%
ZEC 2.2% 84 days 46 days 1.01%
First and foremost, looking at the very big picture, it looks like ALL of the investment plan offerings made by Lendera have characteristics that we feel are sensible. They break even in five or six weeks which isn’t excessively long and they have DNIs of roughly 0.9%. A DNI of 0.9% corresponds to an average weekly profit of around 6%. In the article in HYIP Insights #23, we suggested investing with programs offering investment plans that have weekly profits between 5% and 15%, our thought being that this is a reasonable compromise between profitability and risk. Well, the Lendera investment plans are on the low end of this recommendation. For the more conservative investor, this is good news. The implication is that the Lendera program might be a less risky investment than many other online investment programs while still providing a satisfactory return.
This said, the obvious problem that the investor will face when he looks at the daily investment plan offerings made by Lendera is to decide WHICH of the eight plans is the best offer. This is the first time that I have recommended that the investor MUST determine breakeven points and DNIs for the eight alternative plans if he would like to make an informed decision. Since both their terms and interests vary, there is no way that you can compare the plans unless you do this. Breakeven points are very easy to determine for this type of plan. And, in Part 1 of this review, we even provided you with a formula for determining DNI. So, with five minutes of arithmetic, you will have all the information in the previous table in front of you so that you can make the best choice of investment plan FOR THAT DAY. Since these data change on a daily basis, what is the best choice on Day 1 might not be the best choice on Day 2. However, remember that the plan you choose is your contract with Lendera. So, if it was the best deal on Day 1, it will probably still be a pretty good deal compared to possibilities on Day 2. You might even want to observe the investment plan data from Lendera for a number of days to get a feel for roughly what is the best offer they make. All this is a suggested “psychology” for choosing the best Lendera investment plan.
OK, we have these numbers in front of us for April 26. I suggest aiming at the plans that break even the fastest and also have the highest DNIs. The two plans that break even fastest are LTC (38 days) and DOGE (40 days). The two with the highest DNIs are LTC (1.03%) and BCH (1.04%). So, at least for April 26, it looks like LTC was the clear winner. You will break even in less than seven weeks and earn over 7% per week while you’re doing it.
On the other hand, the three plans that take the longest to break even are Dash (49 days), XRP (46 days), and ZEC (46 days). The two plans with the lowest DNIs are XRP (0.81%) and DOGE (0.83%). So, it would appear that XRP might be the worst choice for that day.
On another day, a different crypto might be the winner. However, I doubt if the offerings (days to break even and DNI) will be significantly better or worse than these because the data for ALL of the investment plan offerings are so close.
Earnings examples.
As an example, let’s first take a look at our choice of the LTC plan for April 26 and see how much money this choice would have made us.
Assuming an investment of $100, you will earn 2.7% of this per day which, of course is $2.70. After 38 days, you will have earned $102.60 and you will have broken even. By the end of the 60-day investment plan you will have earned $162 for a net profit of $62. Not a bad return on $100 in two months’ time.
Next, let’s compare this with what you would earn from XRP which we suspect would be the worst choice for the day.
In this case, your $100 investment would earn you 2.2% or $2.20 per day. After 46 days, you would have earned $101.20 and would have broken even. At the end of the 72-day investment period, you would have earned a total of $158.40, for a net profit of $58.40.
Comparing the two examples, the LTC plan is significantly better. Your daily earnings are higher; you break even faster; and you earn more profit during 60 days than you do in the longer 72-day XRP plan. So, it would appear to be advisable for the potential investor to get out his calculator and do some arithmetic before choosing which crypto to invest with. This review gives you all the information you need in order to be able to do this.
Conclusions.
The Lendera investment program offers eight different investment plans, each corresponding to a different cryptocurrency. The programs are sensibly designed and all offer returns that are satisfactory. They all return the investor’s deposit as part of his earnings (a very desirable feature) and break even in six to seven weeks. Returns in all the plans are such that the prognosis for long-term survival of the program would appear to be good.
An unusual feature of the program is that both the daily interest rate and term of each of the eight investment plans changes every day. The careful investor would do well to carefully evaluate the investment plan offerings on any given day so that he will make the most profitable choice of plan.
The Lendera Investment program would appear to appeal to the investor looking for a satisfactory return with a better than average chance of long-term survival. It probably will not appeal to the investor looking for high short-term earnings.
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