{"id":1104,"date":"2017-06-05T04:08:37","date_gmt":"2017-06-05T04:08:37","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=1104"},"modified":"2017-06-17T05:10:27","modified_gmt":"2017-06-17T05:10:27","slug":"hyip-insights-12-investment-formula-part-2","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=1104","title":{"rendered":"HYIP Insights #12 — An Investment Formula Part 2"},"content":{"rendered":"

<\/a>Daily Net Interest for Selected Programs.<\/strong><\/p>\n

In this part of the article, I\u2019d like to compare the daily net interest rates for a few programs that are running right now.\u00a0 We will find that there is wide variation in them.\u00a0 Although interest rate is a very important factor to know in order to decide whether or not to invest with a program, it is not the only factor.\u00a0 In Part 3 of this particle, we will discuss these other factors and, ultimately, try to come up with our own \u201cinvestment formula.\u201d\u00a0 But, for now, let\u2019s continue our investigation of interest rates by looking at those offered by some real live programs.\u00a0 All of the programs are listed in the Emily News<\/em> Monitor and you may want to refer to our review of each of them.\u00a0 The information in the reviews will help you to get a more complete understanding of what we do here.<\/p>\n

Example 1.\u00a0 FexFund (reviewed here<\/a>, interview with the Admin here<\/a>) Starter Plan.\u00a0 109% after 7 days.\u00a0 This is an easy one.\u00a0 Your principal of 100% plus 9% total net interest are both given to you at the end of the nine day investment term.\u00a0 To get the net daily interest earned, you divide the total of 9% by the number of days in the term, seven, to get 1.29%<\/u>.<\/p>\n

\"FexFund.net\"<\/a><\/p>\n

Example 2.\u00a0 FexFund Medium Plan.\u00a0 6% daily for 20 days, principal included with daily returns.\u00a0 The total gross interest will be 120% (6 x 20).\u00a0 Subtracting 100%, you get the total net interest of 20%.\u00a0 Dividing this by the length of the investment term, you get the net daily interest of 1%<\/u> (20\/20).\u00a0 So, it looks like the FexFund Starter plan is more profitable than the Medium plan.<\/p>\n

Example 3.\u00a0 FexFund Investor Plan.\u00a0 5% daily for 30 days, principal included with daily returns.\u00a0 Similar to Example 2, the total gross interest would be 150% and the total net interest would be 50%.\u00a0 Dividing this by the investment term of 30 days, you get a net daily interest of 1.67%<\/u>.\u00a0 So, from the point of view of interest, the FexFund Investor plan is the best.\u00a0 Again, there are other factors to be considered, the most obvious being the length of the investment term and the risk involved in tying up your money for longer terms to take advantage of higher interest.\u00a0 This is a common choice to be made in the HYIP business.<\/p>\n

Example 4.\u00a0 AxisCrude (reviewed here<\/a>) Plan A.\u00a0 3% daily for 50 days, principal included with daily returns.\u00a0 This AxisCrude plan is very similar to the last two FexFund plans that we just looked at.\u00a0 However, let\u2019s see how the net daily interests compare.\u00a0 For this plan, the total gross interest would be 150% (50 x 3) and the total net interest would be 50%.\u00a0 Since, the program runs for 50 days, the net daily interest will be 1%<\/u> (50\/50) which is the sdaily interestsdaily interestsame as the FexFund Medium plan.\u00a0 So, a factor other than interest must come into play if you are deciding between these two plans.
\n
\n<\/a>\"\"<\/a><\/p>\n

Example 5.\u00a0 AxisCrude Plan B.\u00a0 4% daily for 45 days, principal included with daily returns.\u00a0 The calculation is just the same as the previous three plans.\u00a0 Here are the results:\u00a0 total gross interest = 180%.\u00a0 Total net interest = 80%.\u00a0 Net daily interest = 1.78%<\/u>.\u00a0 This is pretty close to the FexFund Investor plan.\u00a0 In my mind, the FexFund and AxisCrude investment plans are competitive.<\/p>\n

Exampe 6.\u00a0 BetCruisez (reviewed here<\/a>) investment plan.\u00a0 106% per week.\u00a0 This is very similar to Example 1.\u00a0 In this case you are given your principal plus another 6% back after seven days.\u00a0 So, the 6% is your total net interest.\u00a0 Your net daily interest would be 0.86%<\/u> (6\/7), the lowest we have calculated so far.<\/p>\n

Example 7.\u00a0 Carbon7 (reviewed here<\/a>) Weekly Plan.\u00a0 110% per week.\u00a0 This is the same as Example 1 and Example 6 but with a slightly higher interest rate.\u00a0 You can do the calculations to verify that the net daily interest would be 1.43%<\/u>.\u00a0 So, already, we have three different weekly programs that pay slightly different net daily interest rates.\u00a0 Should you put all your money in the one with the highest rate?\u00a0 What about diversification?\u00a0 We still have other things to consider before coming up with a formula.\u00a0 This is getting interesting.<\/p>\n

\"\"<\/a><\/p>\n

Example 8.\u00a0 Carbon7 CR7 Plan.\u00a0 I\u2019m going to copy some of the following from our review of this plan.\u00a0 This is a daily plan that runs for 30 calendar days BUT you are only paid interest earnings on business days.\u00a0 For the typical 30 day month, there are 22 business days.\u00a0 So, with the daily interest rate of 7%, the total gross interest paid by this plan is 154% (22 x 7).\u00a0 Since your principal is returned to you with your earnings, your total net interest is 54%.\u00a0 In calculating a net daily interest rate, you have to decide if you are going to use calendar days or business days.\u00a0 I will opt for calendar days because, even though you only earn interest on business days, your funds are tied up for the full 30 calendar days.\u00a0 So, this is how long you will have to wait for the investment plan to end; the number of days you are actually earning interest doesn\u2019t matter.\u00a0 So, dividing the total net interest of 54% by the investment term of 30 days, you get a net daily interest rate of 1.80%<\/u>.\u00a0 I note that, even though we used the longer term of 30 days rater than 22 days, we still come out with the highest net daily interest rate so far.<\/p>\n

Example 9. \u00a0AltCoiner (reviewed here<\/a>) XMR Plan.\u00a0 3.36% daily forever.\u00a0 This is an example of a perpetual plan.\u00a0 However, AltCoiner allows the investor to withdraw his principal at anytime.\u00a0 Therefore, it really functions\u00a0 like a \u201cprincipal back\u201d plan.\u00a0 But, you decide the length of the plan!\u00a0 So, it is difficult to decide how to calculate a daily interest rate.\u00a0 If, indeed, you limit your term of investment and opt to withdraw your principal, then your net daily interest rate will be the 3.36%<\/u> which is very high — at least compared to programs we\u2019ve analyzed so far.\u00a0 On the other hand, if you decide to stick with AltCoiner until it finally closes its doors, we ought to assume a lifetime for the program and calculate the daily net interest rate in that manner.\u00a0 Let\u2019s do that assuming a lifetime for the program of 180 days (around a half year).\u00a0 In that case, the total gross interest would be 605% (3.36 x 180).\u00a0 Subtracting 100%, the total net interest would be 505%.\u00a0 Dividing this by the 180 days, we get the net daily interest rate for our assumed scenario — 2.81%<\/u>.\u00a0 This is still very high compared to programs so far.\u00a0 If AltCoiner survives longer that this, the effective rate would be higher; it is doesn\u2019t survive this long, it would be lower.\u00a0ALTCOINER IS NOW CLOSED! DO NOT INVEST THERE!<\/span> HOWEVER, I AM LEAVING THIS ANALYSIS HERE AS THIS IS STILL A GOOD EXAMPLE OF A PERPETUAL PLAN.\u00a0 PERHAPS THE HIGH INTEREST THAT ALTCOINER OFFERED WAS A FACTOR THAT LED TO ITS PREMATURE CLOSING.<\/b><\/p>\n

Example 10.\u00a0 Bandeira (reviewed here<\/a>) Rent Plan #1.\u00a0 Variable interest rate from 1% to 1.8%, term ending when your gross earnings reach 150%, and principal included in your earnings.\u00a0 This plan is somewhat complicated as both the daily interest rate and the length of the term can vary.\u00a0 You might want to take a look at the review for this program for more details as to how the investment plan works.\u00a0 But, to show how you might handle this type of situation when determining a net daily interest rate, let\u2019s assume that we are working with the mean interest rate of 1.4%.\u00a0 So, the first thing we need to do is to determine how long it will take for us to reach the target of 150% total gross interest.\u00a0 That\u2019s easy.\u00a0 Just divide the 150 by the assumed daily interest rate to get around 107 days.\u00a0 Since your principal is included in this, your total net interest will be 50% (the same for all Bandeira plans).\u00a0 Dividing 50% by the estimated number of days in the plan, you come up with a net daily interest rate of 0.47%<\/u>.\u00a0 This is quite low and might be one of the reasons why the Bandeira program has survived for so long.<\/p>\n

\"\"<\/a><\/p>\n

Example 11.\u00a0 Bandeira Rent Plan #2.\u00a0 This is the same as Plan #1 except that the interest rate varies from 1% to 2.5%.\u00a0 In this case the mean interest rate if 1.75% and we will use that for our calculation of net daily interest rate.\u00a0 Proceeding in just the same way as we did in Example 10, the length of the investment term will be around 86 days (150\/1.75).\u00a0 The total gross interest that would be earned in this period would be 150%.\u00a0 Subtracting 100%, the total net interest would again be 50%.\u00a0 Finally, dividing this by the number of days in the program, you get a net daily interest rate of 0.58%<\/u> (50\/86).\u00a0 Again, this is quite low.<\/p>\n

OK, this is more than enough in the way of examples.\u00a0 I hope it clarifies how you would handle determination of net daily interest rate for a number of different program types.<\/p>\n

<\/a>Short and Long Term Investment Programs.<\/strong><\/p>\n

Very often a reviewer will state that an investment plan is long term, medium term, or short term.\u00a0 This refers to how long it takes the plan to break even.\u00a0 A plan with a high interest rate will break even quickly.\u00a0 On the other hand, a plan with a low interest rate will take a long time to break even.\u00a0 Going along with this is always the thought that plans offering high interest rates are less likely to survive, whereas the ones with low interest rates are more likely to survive.\u00a0 You might say that these characteristics balance each other out because, for example, with a more risky high interest rate investment plan, although it would be nice, you are less concerned about program survivability than you would be for a low interest program where it might be necessary for the program to survive for three or more months for you to break even and, perhaps for a year or more for you to earn some serious money with it.<\/p>\n

As an aside, I didn\u2019t specifically state it, but I hope you are thinking of net daily interest rate as we proceed here.<\/p>\n

Well, let\u2019s but some numbers on this.\u00a0 Let\u2019s decide on some specific ranges of interest rates that we might classify as short, medium, or long term.\u00a0 There will be some opinion here and you might disagree with what I come up with.\u00a0 However, if you do, I suggest that you come up with an alternate classification of your own that you can use in your investment decision making.<\/p>\n

A program that will break even in one month (30 days) will have an interest rate of 3.33% (100\/30).\u00a0 A program that will break even in two months will have an interest rate of 1.67% (100\/60).\u00a0 And, finally, a program that will break even in three months will have an interest rate of 1.11%.\u00a0 My opinion is that a program that will break even in less than one month is short term and one that will break even in more than three months is long term.\u00a0 Rounding the percents off, here is a possible guide for you:<\/p>\n

Less than 1% — long term
\nBetween 1% and 3% — medium term
\nMore than 3% — short term<\/p>\n

You might rightfully say that the range of interest rates for medium term programs is very large.\u00a0 I agree.\u00a0 However, this is the large gray area in the HYIP investment world where the unexpected is most likely to happen.\u00a0 The closer an investment gets to 1%, the more likely it will be a long term survivor.\u00a0 Interest rates in the neighborhood of 3% or more are inherently risky.\u00a0 But, these plans mature quickly and the wise investor might want to think very carefully about committing funds to them for the long term.\u00a0 When you get into the neighborhood of 2% net daily interest, you are on uncertain ground — not that anything in the HYIP world is for sure.<\/p>\n

And, this is what we will get into in the third and final part of this article series.\u00a0 So far, we have nailed down some terminology and looked at interest rates offered by a number of current programs.\u00a0 Well, there are a lot of factors beside interest rate that should be considered when developing an \u201cInvestment Formula.\u201d\u00a0 This is what we will deal with in Part 3 of this article.\u00a0 And, this is where I will refer a lot to the article in HYIP Insights #8<\/em> entitled \u201cThe Wise HYIP Investor\u201d that you can read here<\/a>.\u00a0 Please stand by\u2026<\/p>\n

*********************************<\/p>\n

If one of the programs on our Monitor appeals to you, please support Emily News<\/em> by registering for it on our website.\u00a0 Thanks very very much!<\/p>\n

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Daily Net Interest for Selected Programs. In this part of the article, I\u2019d like to compare the daily net interest rates for a few programs that are running right now.\u00a0 We will find that there … HYIP Insights #12 — An Investment Formula Part 2<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":311,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[126,131,10,26,53,90,91,132,127,97,128,129,130],"class_list":["post-1104","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hyip-insights","tag-daily-interest-rate","tag-daily-interests","tag-hyip","tag-hyip-info","tag-hyip-insights","tag-hyip-interest","tag-hyip-interest-rates","tag-hyip-investment-plans","tag-hyip-plan","tag-hyips","tag-long-term","tag-medium-term","tag-short-term","exalt-entry"],"yoast_head":"\nHYIP Insights #12 - An Investment Formula Part 2 - EmilyNews<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/emilynews.com\/blog\/?p=1104\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HYIP Insights - An Investment Formula Part 2 : Different HYIP investment blog. Fair and Fast updates | EmilyNews | EN\" \/>\n<meta property=\"og:description\" content=\"Daily Net Interest for Selected Programs. 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