This program moved to PROBLEM! Do NOT invest there!

The WhalesClub Investment Plans.

In our recent “First Thoughts” article about WhalesClub, we summarized their investment plans in the following way:

For the online investor, WhalesClub offers three very different investment plans.  The first plan pays 5% interest daily for 33 business days and your return includes your investment.  The second plan pays a flat 125% after 20 calendar days.  Finally, the third pays a variable interest of between 2% and 5% daily for 100 business days and, like the first plan, it includes your investment.  However, no payment is made until the conclusion of the plan.

Here is the complete information on the three WhalesClub investment plans as given in the website:

Flat Rate Plan
5% daily for 33 business days
$30 – $10,000
Investment included in daily returns

Balanced Portfolio Plan
125% after 20 calendar days
$30 – $3,000
Investment included as part of return

Extreme Volatility Plan
2% – 5% daily for 100 business days
$5,000 – $100,000
Investment included in daily returns, all of which are paid at conclusion of plan

Analysis of the WhalesClub Investment Plans.

When we analyze an investment plan, we typically determine two quantities: the number of days it takes the plan to break even and the average daily net interest (DNI) that you will receive from the plan.

Let’s begin by determining the breakeven points for each of the three WhalesClub investment plans.

For the Flat Rate Plan, if you divide 100% by the 5% that you recover each business day, you find that the plan breaks even in 20 business days.  Since there are roughly 22 business days in a 30 calendar day month, if you multiply this result be the conversion factor of 30/22, you get that this plan breaks even in around 28 calendar days.  Likewise, if you multiply the 33 business day length of the plan by the same conversion factor, you find that the plan is roughly 45 calendar days long.

The Balanced Portfolio and Extreme Volatility Plans don’t provide any return until that end.  So, that is obviously when they will break even.  The Extreme Volatility Plan is 100 business days long.  If we multiply this by the 30/22 conversion factor, we find that it is roughly 137 calendar days long — around four and one-half months.

Here are our results for breakeven points:

Plan                 Length of Plan             Days to Break Even

Flat Rate          45 calendar days         28 calendar days
Balanced         20 calendar days         20 calendar days
Extreme          137 calendar days       137 calendar days

Next, let’s determine the DNI for each of these investment plans…

For the Flat Rate Plan, the total gross interest that you will receive will equal the daily gross interest of 5% times the 33 business days for which it is paid.  The result is 165%.  Subtracting 100% from this because it includes your investment, you get a total net interest of 65%.  Averaging this out over the 45 calendar day length of the plan, you get a DNI of around 1.44%.

For the Balanced Plan, your total gross return is 125%.  So, subtracting 100% from this, you get a total net return of 25%.  Averaging this out over the 20 calendar day length of the plan, you get a DNI of 1.25%.

The Extreme Plan is harder to analyze as the daily interest that it pays can vary between 2% and 5%.  However, the online calculator uses 3% as the means of estimating returns.  So, let’s accept that as a hint of what the plan will pay and use that amount as well.  So, for a gross daily return of 3% paid for 100 business days, you will receive a total return of 300%.  Like the Flat Rate Plan, this includes your investment.  So, your total net return will be 200%.  Dividing this by the 137 calendar day length of the plan, we get a DNI of around 1.46%.

Here are our results for DNI in tabular form:

Plan                 DNI

Flat Rate          1.44%
Balanced         1.25%
Extreme          1.46%

These are interesting results.  Given the fact that we are dealing with three very different types of investment plans, the investor will want to give some serious thoughts to the pros and cons of each of them.  Now that we have these numbers in front of us, we will be in a position to do this.  And, that will be our objective in Part 2 of this review.  Please stand by.  It should be available if a few more days…


If one of the paying programs on our Monitor appeals to you, please support EmilyNews by registering for it on our website. Thanks very very much!


Be the first to get most important HYIP news everyday!
Simply Follow EN Facebook, EN Telegram, EN Twitter
or Subscribe to EN Feedburner and submit your email address!

If you like this article, please share it by using the social media buttons below.