{"id":1844,"date":"2017-09-07T03:27:58","date_gmt":"2017-09-07T03:27:58","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=1844"},"modified":"2017-12-27T05:59:37","modified_gmt":"2017-12-27T05:59:37","slug":"investellect-review-part-2","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=1844","title":{"rendered":"Investellect — Review Part 2"},"content":{"rendered":"

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

<\/a>Analysis of the Business Day Investment Plans.<\/strong><\/p>\n

In Part 1<\/a> of this review, we took a look at how the Investellect <\/a>calendar day investment plans work.\u00a0 Now let\u2019s look at the business day plans.<\/p>\n

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

Referring back to the listing of all the six investment plans offered by Investellect<\/a> in the first Part of this review, let\u2019s take a look at the Intelligent Accumulation 2 plan.\u00a0\u00a0 We\u2019ll look at this plan first because, as we already mentioned, it is the only one of the Business Day plans that has a minimum investment that is affordable to the typical HYIP investor.\u00a0 This minimum is $200 — which happens to be quite a bit less than the minimum for the Professional Daily plan.\u00a0 So, we will also compare these two plans after we analyze the Intelligent Accumulation 2 plan by itself.\u00a0 The Intelligent Accumulation 2 plan pays you a total GROSS\u00a0 return of 1,700% after 120 business days.\u00a0 Let\u2019s first convert that to calendar days.\u00a0 One way to do it is to realize that there are seven calendar days for each five business days.\u00a0 So, the number of calendar days is 168 days (120\/5 x 7) for this plan.\u00a0 Since your principal is returned as part of your earnings, your total NET return will be 1,600% (1,700 \u2013 100).\u00a0 If you average this out over the 168 day period, your average daily net interest (DNI) will be 9.52% (1600\/168).\u00a0 This is EXTREMELY high and it is questionable whether any HYIP can afford to sustain such a high return.\u00a0 Since this is all paid at the END of an investment term, one might wonder if he will get ANY return at all.\u00a0 Comparing this to the DNI of 1.4% for the Professional Daily plan, we see that there is no comparison.\u00a0 From the point of view of dollars and cents, the only way to go would be with the Intelligent Accumulation 2 plan.\u00a0 However, the catch is that it will take you over five months to get ANY return at all from this plan.\u00a0 That\u2019s a LOT of nail biting.<\/p>\n

OK, let\u2019s put some dollars and cents on this.\u00a0 This time we\u2019ll invest our $1,000 with this program.\u00a0 The calculation is simple.\u00a0 Since it pays 1,700% after 168 calendar days, our total GROSS return will be $17,000 (17 x 1,000).\u00a0 Subtracting your investment of $1,000, your total profit will be $16,000 which, again, is EXTRMELY high.<\/p>\n

Let\u2019s also take a look at the Intelligent Accumulation 1 plan even though the minimum investment of $7,000 will be off the chart for most investors.\u00a0 This plan pays you a total GROSS return of 600% after 60 days.\u00a0 The total NET return would, of course be 100% less than this or 500%.\u00a0 Like for the previous investment plan, converting the 60 business days to calendar days, we get 84 (60\/5 x 7) days.\u00a0 So, the average daily net interest (or DNI) would be 5.95% (500\/84).\u00a0 This isn’t as crazy as the DNI of 9.52% for the Intelligent Accumulation 2 plan.\u00a0 But, it is still very very high and it would again be unlikely that this plan would be sustainable.<\/p>\n

Let\u2019s assume that we invest the minimum of $7,000 in this plan ans see what will happen.\u00a0 Well, it is easy to get the final result.\u00a0 The GROSS return that you would receive will be six times your investment or $42,000 (6 x 7,000).\u00a0 If you subtract your investment of $7,000, your total NET profit will come to $35,000.\u00a0\u00a0 Almost three months of nail biting before you get ANY return at all from your investment.<\/p>\n

I will not bother to do calculations for the two VIP plans because the minimum investments required are so far out of reach of the typical HYIP investor.<\/p>\n

<\/a>Other Features of the Investellect Investment Program.<\/strong><\/p>\n

Investellect<\/a> uses the following payment processors: Perfect Money, Payeer, Bitcoin, Payza, and AdvCash.\u00a0 Apparently, withdrawals are manual and can take up to 48 hours to reach your e-currency account.\u00a0 We hope this is a high conservative figure to protect the company when, for some reason, it might experience problems fulfilling withdrawal requests more quickly.<\/p>\n

Investellect<\/a> has a fairly good referral program that pays 8% – 2% – 1% – 1% of deposits made by the first four levels of the investor\u2019s downline.\u00a0 According to a recent news release, these commissions can go up to 12% – 2% – 1% – 1% for investors who are diligent in attracting more folks into the program.\u00a0 Right now, I can\u2019t find the specific requirements that an investor has to fulfill in order to take advantage of these higher commission rates.<\/p>\n

Support from Investellect<\/a> seems to be more than satisfactory.\u00a0 There is the standard support request form as well as an email address that you can write to.\u00a0 In addition, and perhaps most important, there appears to be live chat.\u00a0 I tested the chat feature at what was probably very early in the morning UK time and did get a partial response to the question I asked.\u00a0 I suspect that the level of the person handling the chat feature at that time was not the best.<\/p>\n

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

In closing, Investellect<\/a> offers two calendar day investment plans that offer sensible returns both for the investor and also from the point of view of the company being able to sustain payments in the long run.\u00a0 Unfortunately, while the business day programs are potentially very lucrative, the interest rates they promise seem unrealistically high, so high that it would seem improbable that the company can sustain them.\u00a0 Of course, we would like to be proven wrong on this.\u00a0 So, the conservative investor might be interested in the calendar day investment plans offered by Investellect <\/a>while the more adventuresome investor might find the business day plans more attractive.\u00a0 However, we must remind investors that, if a company closes because it can\u2019t afford to make payments required by a high interest program, ALL investment plans end when the company closes.\u00a0 As usual, due your due diligence before making an investment and always try to obey our two cardinal investment rules for working with HYIPs.\u00a0 First: diversify.\u00a0 Second: never invest more than you can afford to lose.\u00a0 Good Luck!<\/p>\n

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This program has STOPPED paying! Do not invest there! Analysis of the Business Day Investment Plans. In Part 1 of this review, we took a look at how the Investellect calendar day investment plans work.\u00a0 … Investellect — Review Part 2<\/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":[422,423,427,425,426,428,433,432,429,430,424],"class_list":["post-1844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-httpsinvestellect-netrefemilynews","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 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=1844\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investellect - Review Part 2 : Different HYIP investment blog. 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