{"id":11164,"date":"2020-06-19T04:17:57","date_gmt":"2020-06-19T04:17:57","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=11164"},"modified":"2020-06-20T05:31:26","modified_gmt":"2020-06-20T05:31:26","slug":"p4wc-limited-review-part-1","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=11164","title":{"rendered":"P4WC Limited – Review Part 1"},"content":{"rendered":"\n

The P4WC Limited Investment Plan.<\/strong><\/p>\n\n\n\n

In our recent \u201cFirst Thoughts\u201d article about P4WC Limited<\/a>, we provided a complete description of the company\u2019s investment plan.  I\u2019ll repeat it here:<\/p>\n\n\n\n

P4WC Limited<\/a> offers one very simple-to-understand investment plan.  It is what we refer to as a \u201cperpetual\u201d plan, meaning that you make a one-time investment and it continues to pay you interest forever \u2014 at least theoretically.  The interest rate is 1.7% per day and the minimum investment is $20.  It looks like there is no maximum.  A nice feature of the investment plan is that you can withdraw your investment at any time (after 48 hours) without penalty.<\/p><\/blockquote>\n\n\n

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

Analysis of the P4WC Limited Investment Plan.<\/strong><\/p>\n\n\n\n

You can determine how long it will take for the investment plan to break even by dividing 100% by the percent of your investment that you recover each day.  Dividing 100% by the daily retrun of 1.7% per day, you get that the plan breaks even in 59 days — almost exactly two months. <\/p>\n\n\n\n

In addition to determining how long it takes an investment plan to break even, when we analyze a plan, we also determine the average daily net interest (DNI) that it pays its investors.  This is simply the total net interest you receive over the length of an investment plan averaged out over the number of days in the plan.  Well, in a \u201cperpetual\u201d plan such as the one offered by P4WC Limited<\/a>, this is obviously impossible to do as the length of the plan is unknown.  In the HYIP business, the length of a \u201cperpetual\u201d investment plan is, unfortunately, the number of days that the program will survive before it closes.  So, in this situation, what we do is determine the DNI of the investment plan for a number of ASSUMED survival times for the program.  Let\u2019s do this for 60, 120, 180, 240, 300, and 360 days.  This further assumes that the program at least lasts long enough for the investment plan to break even (in 59 days).<\/p>\n\n\n\n

In the first case, an assumed survival time for the program of 60 days, the total gross interest that you will receive will be the daily gross interest of 1.7% times the 60-day length of the plan, or 102%.  Since this includes your investment, you must subtract 100% from it to get the total net interest that you will receive, or 2%.  Finally, averaging this out over the 60-day assumed length of the plan by dividing by 60, you get an average daily net interest (DNI) of 0.03% — almost nothing as you only broke even a day earlier.<\/p>\n\n\n\n

Repeating these calculations for the other assumed lengths of the investment plan, we get the following results:<\/p>\n\n\n\n