{"id":1788,"date":"2017-08-30T03:44:43","date_gmt":"2017-08-30T03:44:43","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=1788"},"modified":"2017-10-07T19:40:22","modified_gmt":"2017-10-07T19:40:22","slug":"roly-investment-review-part-1","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=1788","title":{"rendered":"Roly Investment &#8212; Review Part 1"},"content":{"rendered":"<p><strong style=\"color: red;\">This program moved to CLOSED status! Do not invest there!<\/strong><\/p>\n<p><strong>The Investment Plans.<\/strong><\/p>\n<p>As we indicated in our \u201cFirst Thoughts\u201d on <a href=\"http:\/\/emilynews.com\/link.php?id=1133\" target=\"_blank\" rel=\"noopener\">Roly Investment<\/a> a few days ago (that you can read <a href=\"http:\/\/emilynews.com\/blog\/?p=1762\" target=\"_blank\" rel=\"noopener\">here<\/a>), this is another business that is involved in cryptocurrency trading.\u00a0 Operated by a group of traders that are retired from more conventional trading, they have now pooled their expertise to trade crytpocurrencey pairs.<\/p>\n<p><a href=\"http:\/\/emilynews.com\/link.php?id=1133\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"http:\/\/emilynews.com\/blog\/wp-content\/uploads\/2017\/08\/rolygif-468x60.gif\" width=\"468\" height=\"60\" \/><\/a><\/p>\n<p>Roly has three investment plans.\u00a0 However, they really merge together into one as their only difference is that the amount invested determines the interest that is paid &#8212; and this determines the plan.\u00a0 However, to be consistent with the website presentation, I will list them as three independent plans.\u00a0 The plans have a number of things in common:<\/p>\n<ul>\n<li>They are all one year long.<\/li>\n<li>They return your deposit at the end of the investment term (one year later).<\/li>\n<li>The yield of each plan can vary between a minimum and maximum and depends on the success of the company\u2019s trading for the previous month.<\/li>\n<li>All transactions are in Bitcoin.<\/li>\n<\/ul>\n<p>Supposedly all deposits are insured.\u00a0 Here is the statement from the website: \u201cInsurance is automatically activated after purchase of the package. The capital is guaranteed by the <a href=\"http:\/\/emilynews.com\/link.php?id=1133\" target=\"_blank\" rel=\"noopener\">Roly Investment<\/a> Fund. The insurance costs 5% of the stated yield. If desired, you can deactivate the insurance.\u201d\u00a0 I\u2019m not convinced that these insurance programs really work.\u00a0 If an HYIP closes, it frequently disappears &#8212; completely!\u00a0 How can a person get in touch with <a href=\"http:\/\/emilynews.com\/link.php?id=1133\" target=\"_blank\" rel=\"noopener\">Roly Investment<\/a> to make a claim then?<\/p>\n<p>Here is a summary of key information for the three investment plans:<\/p>\n<p><u>Standard<\/u><br \/>\n0.001 &#8211; 0.99 BTC<br \/>\nMonthly yield of 21% &#8211; 25%<\/p>\n<p><u>Exclusive<\/u><br \/>\n1.0 &#8211; 4.9 BTC<br \/>\nMonthly yield of 26% &#8211; 29%<\/p>\n<p><u>Roly<\/u><br \/>\n5.0 &#8211; 20.0 BTC<br \/>\nMonthly yield of 32% &#8211; 35%<\/p>\n<p><strong>Analysis of the Investment Plans.<\/strong><\/p>\n<p>Assuming that one Bitcoin is roughly equal to $4,000, it is probable that there will be very few investors in the Exclusive plan.\u00a0 I suspect that there will be almost none in the Roly plan with a minimum investment of five Bitcoin.\u00a0 So, it looks like almost all investment activity will be in the Standard plan.<\/p>\n<p>Let\u2019s take a more careful look at this plan.\u00a0 First of all, the interest paid is variable.\u00a0 To simplify that end of things, let\u2019s use the middle rate of 23% per month.\u00a0 Distributing this over one month, a 30 day period, we have the equivalent of a daily net interest, or DNI, of 0.77% (23\/30).\u00a0 Note that I indicated this is a NET interest (profit) because your deposit will be returned to you at the end of the investment plan.<\/p>\n<p>Of course, you won\u2019t be seeing ANY profit until you break even.\u00a0 Dividing 100% by 0.77%, the daily percent that you receive, you find that it takes around 130 days (100\/.77) to break even.\u00a0 This is somewhat over four months.\u00a0 Of course, we could have obtained this same number much more quickly by dividing 100% by the assumed monthly interest of 23% to get 4.35 months (100\/23).<\/p>\n<p>I converted everything to daily interest so that we could talk about DNI.\u00a0 Referring back to <em>HYIP Insights #12<\/em> (which you can read <a href=\"http:\/\/emilynews.com\/blog\/?p=1099\" target=\"_blank\" rel=\"noopener\">here<\/a>), we made suggestions for the sustainability of a program based on DNI. \u00a0You can see that, since the value for the investment plan of 0.77% is less than 1%, the guidelines we suggested in that article would put this investment plan in the category of one that could probably be sustainable in the long run.<\/p>\n<p>OK, let\u2019s take a look at how much money you could earn in the one year period of this investment plan.\u00a0 That\u2019s an easy calculation.\u00a0 For a monthly interest rate of 23%, the total net interest earned in one year would be 12 times this or 276%.\u00a0 In addition, your principal would be returned at the end of the year for a total gross return of 376%.<\/p>\n<p>Taking a quick look at the Exclusive and Roly investment plans, and again using the middle interest rate, we can come up with the same type of information for these two plans as we did for the Standard plan.\u00a0 Following is the result of that arithmetic:<\/p>\n<p><u>Standard<\/u><br \/>\nMean monthly interest rate = 27.5%<br \/>\nDNI = 0.77%<br \/>\nTotal net interest = 276%<\/p>\n<p><u>Exclusive<\/u><br \/>\nMean monthly interest rate = 27.5%<br \/>\nDNI = 0.92%<br \/>\nTotal net interest = 330%<\/p>\n<p><u>Roly<\/u><br \/>\nMean monthly interest rate = 33.5%<br \/>\nDNI = 1.12%<br \/>\nTotal net interest = 402%<\/p>\n<p>The DNIs for both the Exclusive and Roly plans are also quite reasonable.\u00a0 So, these plans, likewise, have the potential to be long term survivors.\u00a0 Again, I note that the minimum investments for these plans (especially the Roly plan!) are quite high.\u00a0 So, there will probably be few investors in either of these plans.\u00a0 From the point of view of survivability of the overall program, this is helpful as most of the payouts that the company will make will be for the lowest interest paying investment plan.<\/p>\n<p>In all these discussions, it is important to keep in mind the fact that we are using estimated interest rates.\u00a0 Returns could be higher or lower than what these calculations tell us.\u00a0 It all would depend on whether Roly has a good month or a bad one\u2026<\/p>\n<p><a href=\"http:\/\/emilynews.com\/link.php?id=1133\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"http:\/\/emilynews.com\/blog\/wp-content\/uploads\/2017\/08\/rolygif-468x60.gif\" width=\"468\" height=\"60\" \/><\/a><\/p>\n<p>We will continue this analysis of the <a href=\"http:\/\/emilynews.com\/link.php?id=1133\" target=\"_blank\" rel=\"noopener\">Roly Investment<\/a> program investment plans in Part 2 of this review.\u00a0 Stay tuned\u2026<\/p>\n<p>*********************************<\/p>\n<p>If one of the Paying programs on our Monitor appeals to you, please support <em>Emily News<\/em> by registering for it on our website. Thanks very very much!<\/p>\n<p>*********************************<\/p>\n<p>Be the first to get most important HYIP news everyday!<br \/>\nSimply Follow <a href=\"https:\/\/www.facebook.com\/EmilyNewsOnline\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong style=\"text-decoration: underline;\">EN Facebook<\/strong><\/a>, <a href=\"https:\/\/telegram.me\/emilynews\" target=\"_blank\" rel=\"noopener noreferrer\"><strong style=\"color: #c03939; text-decoration: underline;\">EN Telegram<\/strong><\/a>, <a href=\"https:\/\/twitter.com\/EmilyHyipNews\" target=\"_blank\" rel=\"noopener noreferrer\"><strong style=\"text-decoration: underline;\">EN Twitter<\/strong><\/a><br \/>\nor Subscribe to <strong><a style=\"color: #c03939; text-decoration: underline;\" href=\"https:\/\/feedburner.google.com\/fb\/a\/mailverify?uri=Emilynews\" target=\"_blank\" rel=\"noopener noreferrer\">EN Feedburner<\/a><\/strong> and submit your email address!<\/p>\n<p>If you like this article, please share it by using the social media buttons below.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This program moved to CLOSED status! Do not invest there! The Investment Plans. As we indicated in our \u201cFirst Thoughts\u201d on Roly Investment a few days ago (that you can read here), this is another &hellip; <a title=\"Roly Investment &#8212; Review Part 1\" class=\"exalt-read-more\" href=\"https:\/\/emilynews.com\/blog\/?p=1788\"><span class=\"screen-reader-text\">Roly Investment &#8212; Review Part 1<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":1796,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[412,405,411,407,408,419,413,409,410,406,414],"class_list":["post-1788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-roly-investment-info","tag-roly-investment-ltd","tag-roly-investment-news","tag-roly-investment-plan","tag-roly-investment-program","tag-roly-investment-review","tag-roly-investment-scam-or-paying","tag-roly-investment-update","tag-roly-investment-updates","tag-roly-investment-org","tag-roly-investment-orgrefemilynews","exalt-entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Roly Investment - Review Part 1 - 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=1788\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Roly Investment - Review Part 1 : Different HYIP investment blog. 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