{"id":1840,"date":"2017-09-05T04:05:46","date_gmt":"2017-09-05T04:05:46","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=1840"},"modified":"2017-12-27T05:59:21","modified_gmt":"2017-12-27T05:59:21","slug":"investellect-review-part-1","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=1840","title":{"rendered":"Investellect — Review Part 1"},"content":{"rendered":"

This program has STOPPED paying! Do not invest there!<\/strong><\/p>\n

<\/a>Investellect Investment Plans.<\/strong><\/p>\n

In our brief \u201cFirst Thoughts\u201d news article about Investellect<\/a> (that you can read here<\/a>), we indicated that the company offers six different investment plans.\u00a0 Here is a brief summary of the plans as given in the Investellect<\/a> website:<\/p>\n

Standard Daily Plan<\/u>
\n1.2% Daily for 60 Days
\nMinimum: $10
\nMaximum: $600
\nPrincipal: Back
\nProfit: Calendar Days<\/p>\n

Professional Daily Plan<\/u>
\n1.4% Daily for 120 Days
\nMinimum: $800
\nMaximum: $50,000
\nPrincipal: Back
\nProfit: Calendar Days<\/p>\n

Intelligent Accumulation 1<\/u>
\n600% after 60 Days
\nMinimum: $7,000
\nMaximum: $30,000
\nPrincipal: Included
\nProfit: Business Days<\/p>\n

Intelligent Accumulation 2<\/u>
\n1700% after 120 Days
\nMinimum: $200
\nMaximum: $25,000
\nPrincipal: Included
\nProfit: Business Days<\/p>\n

VIP<\/u>
\n320% after 18 Days
\nMinimum: $40,000
\nMaximum: $50,000
\nPrincipal: Included
\nProfit: Business Days<\/p>\n

VIP+<\/u>
\n960% after 38 Days
\nMinimum: $25,000
\nMaximum: $30,000
\nPrincipal: Included
\nProfit: Business Days<\/p>\n

As you can see from the listing, the Standard Daily plan and the Professional Daily plan share a number of features while the other four programs, the two Intelligent Accumulation plans and the two VIP plans, share other features.<\/p>\n

The Standard and Professional Daily plans share the following:<\/p>\n

Pay interest daily.
\nPay interest on calendar days.
\nReturn your principal at the end of the investment term.<\/p>\n

The Intelligent Accumulation and VIP plans share the following:<\/p>\n

Pay entire interest earnings at the end of the investment term.
\nCredit interest earnings on business (rather than calendar) days.
\nInclude your principal as part of your interest earnings.<\/p>\n

First let\u2019s take a look at the minimum and maximum investment limits for each of the different investment plans.\u00a0 This information is summarized below:<\/p>\n

Standard Daily: $10 – $600
\nProfessional Daily: $800 \u2013 $50,000
\nIntelligent Accumulation 1: $7,000 – $30,000
\nIntelligent Accumulation 2: $200 – $25,000
\nVIP: $40,000 – $50,000
\nVIP+: $25,000 – $30,000<\/p>\n

Taking a quick look at these limits, it looks like the typical online investor will only be interested in the two Daily plans and the second Intelligent Accumulation plan.\u00a0 The minimum investments for the other plans are extremely high and one wonders why such investment plans are even offered.\u00a0 However, when we analyze other characteristics of the plans, perhaps the reasons will become apparent.<\/p>\n

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

<\/a>Analysis of the Calendar Day Investment plans.<\/strong><\/p>\n

With this as an introduction, let\u2019s take a closer look at the two Daily plans.\u00a0 First of all, they fit nicely together with the minimum investment $800 for the second plan picking up where the $600 maximum of the first plan ends.\u00a0 The Standard plan pays 1.2% daily interest while the Professional plan pays 1.4%.\u00a0 Since both these plans return your principal at the end of the plan, these interest earnings are pure profit and are the daily NET interest that the plans pay you — the DNI.\u00a0 As we suggested in HYIP Insights Article #12 (that you can read here<\/a>), investment plans with a DNI between 1% and 2% might be sustainable by the HYIP in the long run.\u00a0 So, these plans have the potential to be long term survivors.<\/p>\n

Paying 1.2% per day, the Standard plan would break even in 84 days (100\/1.2).\u00a0 Since the investment plan is 60 days long, which is shorter than this, you will not break even until you get your principal back at the end of the investment term.\u00a0 So, you have to bite your nails for the full 60 days — two months.<\/p>\n

For the Professional plan paying 1.4% per day, you would break even in around 72 days (100\/1.4), a little over two months.\u00a0 Since this plan runs for 120 days (four months), you will break even before the investment term is up.\u00a0 On top of that, you will receive your principal back at the end of the 120 day investment term.<\/p>\n

Let\u2019s put some dollars and cents on this and assume an investment of $500 in the Standard Daily plan.\u00a0 It pays you 1.2% interest daily or, in this case, $6 (.012 x 500).\u00a0 By the end of the 60 day investment term, you would have received a total of $360 (6 x 60) in interest earnings.\u00a0 This is your profit from the investment plan.\u00a0 You would also receive your principal — your deposit — of $500 back for a total gross return of $860.\u00a0 Note once again that, since $360 is less than your investment of $500, you would not break even before the end of the investment term.\u00a0 You would have to wait till you receive your deposit back in order to make a profit.\u00a0 So, it isn\u2019t quite right when I initially referred to the $360 you will earn as \u201cprofit.\u201d\u00a0 It only becomes profit AFTER you get your principal back.<\/p>\n

Now let\u2019s assume an investment of $1,000 into the Professional Daily plan.\u00a0 In this case, with a daily interest of 1.4%, you would receive a daily return of $14 (.014 x 1,000).\u00a0 For the entire 120 days, your daily interest earnings would total $1,680 (14 x 120).\u00a0 Again, this will be your profit as soon as you receive your investment of $1,000 back at the end of the investment plan.\u00a0 So your total gross return would be $2,680.\u00a0 Again, in this plan you would break even before the end of the investment term.<\/p>\n

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

In Part 2<\/a> of this review we\u2019ll take a look at how the business day plans offered by Investellect <\/a>work.\u00a0 Please stand by\u2026<\/p>\n

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If you like this article, please share it by using the social media buttons below.<\/p>\n","protected":false},"excerpt":{"rendered":"

This program has STOPPED paying! Do not invest there! Investellect Investment Plans. In our brief \u201cFirst Thoughts\u201d news article about Investellect (that you can read here), we indicated that the company offers six different investment … Investellect — Review Part 1<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":1848,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[422,436,423,427,425,426,428,433,432,429,430,424],"class_list":["post-1840","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-httpsinvestellect-netrefemilynews","tag-hyip-investment-plans-analysis","tag-investellect","tag-investellect-info","tag-investellect-investment-plan","tag-investellect-investment-program","tag-investellect-news","tag-investellect-review","tag-investellect-scam-or-paying","tag-investellect-update","tag-investellect-updates","tag-investellect-net","exalt-entry"],"yoast_head":"\nInvestellect - 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=1840\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investellect - Review Part 1 : Different HYIP investment blog. 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