This project was moved on CLOSED! Beware and do NOT invest there anymore..

Notice: Since writing this review we have learned that it is only possible to withdraw from Plan #4 ONCE in a 10-day period. This is not stated in the website. Pay attention to that please!


Let’s begin our discussion of the Five Trade investment plans by repeating the basic information about the plans as well as what we found out about them in Part 1 of this review…

  • Plan #1
  • 5.5% daily for 31 days
  • $5 – $5,000
  • Plan #2
  • 7.7% daily for 27 days
  • $350 – $15,000
  • Plan #3
  • 9.9% daily for 20 days
  • $500 – $250,000
  • Plan #4
  • 15.5% daily for 15 days
  • $1,000 – $500,000
  • Plan                 Days to break even
  • #1                    19 days
  • #2                    13 days
  • #3                    11 days
  • #4                    7 days

In Part 1, we also pointed out that, since these investment plans return your investment when they end, the daily return that they pay is your average daily net interest (DNI) — assuming that the program doesn’t close before the plan you have invested in ends.

Let’s first note that the minimum investments for the four investment plans are reasonable.  Only Plan #4, the highest interest plan, with a minimum of $1,000, is quite high.  However, this is far lower than what you often see in some other HYIPs.  An almost humorous feature of the plans is the maximum investment permitted for Plan #4.  One half million dollars!  With all due respect to the folks at Five Trade, this is dreamland!  No one should ever even think of investing large quantities of money anywhere near to this amount in ANY online investment program.  It’s a shame that Five Trade even lists such an excessive amount.

Generally speaking, the TYPE of investment plan that Five Trade offers is somewhat risky because the investor’s principal isn’t returned until the end of the plan.  We say that he must “bite his nails” hoping that the program will survive until the plan ends and his investment is returned.  In a way, this risk is lessened with the Five Trade because the interest rates that are paid are so high.  Usually, in this type of investment plan, a person won’t break even until a plan ends and his principal is returned.  Here, with the high interests, all of the plans break even considerably before they end.  On top of that, you receive your principal back when the plan ends.

As implied already, what might strike you first about these investment plans is that they are extremely lucrative.  With DNIs all above 5%, we are talking about very high profit programs.  We usually put this into perspective by multiplying DNI by seven to come up with average weekly profits.  Here’s what you get if you do that:

  • Plan                 Weekly profit
  • #1                    38.5%
  • #2                    53.9%
  • #3                    69.3%
  • #4                    108.5%

So, in Plan #4 a person can actually double his money in a week’s time.  Even Plan #1, the lowest interest plan, promises almost a 40% profit per week.  Needless to say, the potential investor will have to ask himself if this can possibly be true or not.  Of course, it follows that such high levels of profit are associated with equally high levels of risk.  In HYIP Insights #12, we suggested that programs offering investment plans having DNIs higher than 2% might be in danger of closing prematurely.  All of the Five Trade investment plans are in that category.  Unfortunately.

Earnings Examples.

Let’s work two examples.  We’ll assume that we have $500 to spend.  Let’s see how things would work out if we invested in both Plans #1 and #3.

In Plan #1, you will receive 5.5% of this or $27.50 (.055 x 500) per day.  After 19 days, you will have received a total of $522.50 (19 x 27.5) and will have broken even.  By the time the plan ends in 31 days, you will have received a total of $852.50 (31 x 27.50).  This becomes your net profit because your principal is returned at that time.

In Plan #3, you will receive a daily return of 9.9% of $500 or $49.50 (.099 x 500).  After 11 days you will have received a total of $544.50 (11 x 49.50) and you will have broken even.  When the plan ends in 20 days, you will have received a total of $990 (20 x 49.50).  Again, since your principal is returned to you at the end of the plan, this is your net profit. 

The implication of this comparison of earnings is that, if you have the choice, you should always invest in the higher interest investment plan.  In fact, with this thought in mind, Five Trade should probably adjust the investment limits of its investment plans to the following:

  • Plan                 Suggested investment limit
  • #1                    $5 – $350
  • #2                    $350 – $500    
  • #3                    $500 – $1,000
  • #4                    $1,000 and up

As this suggests, it would also be a good idea for the company to avoid giving a half-million dollar upper limit to Plan #4.  It would add to the credibility of the overall program.


Five Trade offers four very lucrative investment plans.  The high interest that the plans promise suggest that the survivability of the program might be seriously at risk.  These investment plans are definitely for the adventuresome investor who hopes for high short-term profits.  The conservative investor hoping for a reliable long-term source of passive income will probably not find them very attractive.


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