The Gissis Investment Plans.
We briefly introduced the Gissis investment plans in our recent “First Thoughts” article about the company. In our article, we noted that this set of investment plans might be more difficult to analyze that some other sets due to the fact that some of the essential information about them is a bit camouflaged and can take a bit of work to expose. So, this will be the first order of business in our review of the Gissis investment plans.
OK, to begin, here’s what we said about the Gissis investment plans in the First Thoughts article:
For the online investor, Gissis offers six investment plans. All of them return your investment at the end of the investment plan. The first four plans pay interest daily on working days and the last two pay all your interest at the end of the plan (after a certain number of working days). So, everything is based on working days. There is nothing at all wrong with this. It is just a complicating factor when we analyze an investment plan.
All the information about each of the investment plans is given in the website. In addition, there is a calculator for each of the plans that can be used to further explain how things work. As presented, however, it can be difficult, at first glance, to understand an investment plan. For example, the very first plan says that you receive “107% interest for five working days.” First of all, this is the GROSS interest that you will receive. The NET interest will be 100% less than this or 7%. And, this 7% is distributed over the five days such that the daily interest that you will receive (on working days) is 1.4% (7/5). Unfortunately, this daily rate is not explicitly given and this is the key piece of information that most investors will want to know. Again, all the information is there. You just have to work a little to find it.
Some quick calculations tell me that, earnings — at least for the first four investment plans — are quite sensible. However, we still have a lot of homework to do in order to get a full understanding of the pros and cons of the Gissis investment plans. And, this is what we’ll do in our forthcoming review of the program. Please stand by. Our review will be published in a few days.
And, here is the given information about each of the six investment plans as it appears in the website:
- Plan #1
- 107% for 5 working days
- $15 – $450
- Plan #2
- 125% for 14 working days
- $40 – $2,500
- Plan #3
- 162% for 27 working days
- $400 – $ 20,000
- Plan #4
- 220% for 50 working days
- $700 – $170,000
- Plan #5
- 370% after 47 working days
- $900 – $100,000
- Plan #6
- 500% after 68 working days
- $1,500 – $150,000
In our First Thoughts Article, we went through a little calculation to determine the daily return (on working days) that the first of the four “daily” plans will pay you. If you repeat this calculation for all of these plans, you will get the following results:
- Plan Daily Return (on working days)
- #1 1.4%
- #2 1.79%
- #3 2.30%
- #4 2.40%
This information should probably have been provided by Gissis in the description of these investment plans.
Next, let’s determine how long the investment plans are in calendar days. This is the way that we think. A person can instantly convert calendar days to weeks or months in his head. The conversion of working days to calendar days is simple if you remember that here are roughly 22 working days in a 30 calendar day month. You just multiply the number of working days by a 30/22 conversion factor. Here’s what you get if you do this conversion:
- Plan Number of Calendar Days
- #1 7 days
- #2 20 days
- #3 37 days
- #4 69 days
- #5 65 days
- #6 93 days
With this background information at our disposal, we are ready to “analyze” the Gissis investment plans…
Analysis of the Gissis Investment Plans.
Let’s first determine how long it will take each of the investment plans to break even. This is a key piece of information that every investor wants to know about an investment plan he is seriously thinking about getting involved with.
For Plan #1, you earn 1.4% every working day. So, by the time the plan ends, after 5 working days, you will have recovered 7% of your investment. So, you won’t break even until the plan ends and your investment is returned to you. This is really what the website information about the investment plan tells you. To recall, it says that you will earn “107% for 5 working days.” This is a garbled way of saying that, in the investment period of 5 working days, you will earn a net profit of 7%. The logic is the same for Plans #2 and #3. In Plan #2 you recover 25% of your investment before the plan ends and in Plan #3 you will recover 62%. Plan #4 is different in that you will earn 120% of your investment by the time the plan ends in 50 working days. So, you will break even before the plan ends. Exactly when will you break even? Divide 100% by the daily return of 2.4% to get that you will have recovered your entire investment in roughly 42 working days. This converts to around 58 calendar days. So, Plan #4 is the only plan in the group of “daily” plans that breaks even before it ends.
For Plans #5 and #6, since you don’t receive any return at all until “after” the plans end, that’s when you will break even.
In summary, here’s what we have found out (in calendar days):
- Plan Days to Break Even (calendar days)
- #1 7
- #2 20
- #3 37
- #4 58 (this is the only plan that breaks even before it ends)
- #5 65
- #6 93
The second quantity that we determine when we analyze an investment plan is the average daily net interest (DNI) that you will earn from it. This is the total net interest that you earn from the plan divided by the number of CALENDAR days in the plan. Even though these investment plans are based on working days, we calculate DNI based on calendar days in order that we can compare our results for this program with results from other programs; we have to compare “apples to apples,” not “apples to oranges.”
The Gissis website makes it easy for us to determine the DNI for each of its investment plans because it gives us the total GROSS interest that each of them pays. The total NET interest will obviously be 100% less than this. Then, if you divide this by the number of calendar days in the investment plan, you get the DNI. As an example, for Plan #1, the total GROSS interest is given as 107%. Subtracting 100% from this, the total NET interest that the plan pays will be 7%. Finally, dividing this by the 7 calendar day length of the plan, you get a DNI of 1%. If you do this same arithmetic for the other five Gissis investment plans, you will come up with the following:
- Plan DNI
- #1 1.00%
- #2 1.25%
- #3 1.68%
- #4 1.74%
- #5 4.15%
- #6 4.30%
I will note that, although these numbers look very precise, they are based on approximations. So, they aren’t as accurate as they look. For example, the DNI for Plan #6 is probably not exactly 4.30%. It might be anywhere from 4.2% to 4.4%. However, the important thing is that these numbers put the DNI for each investment plan very close to the average daily profit that you can expect to earn from the plan.
OK, it has been a lot of work to analyze the Gissis investment plans. Please take the time to read though all this carefully. Maybe even read it a few times! In Part 2 of our review, we will discuss the results of this analysis in an effort to determine the pros and cons of these investment plans. Hopefully, we will be able to arrive at some conclusions that will be helpful to the online investor. Please stay tuned. Part 2 will be ready in a few days.
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