{"id":3033,"date":"2018-01-20T04:45:35","date_gmt":"2018-01-20T04:45:35","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=3033"},"modified":"2018-01-20T04:52:27","modified_gmt":"2018-01-20T04:52:27","slug":"hyip-insights-18-type-investment-plan-best","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=3033","title":{"rendered":"HYIP Insights #18 – Which Type of Investment Plan is Best?"},"content":{"rendered":"

There are two common types of investment plan that are offered by HYIPs.\u00a0 Simply stated, one returns your principal at the end of the plan and the other does not.\u00a0 In the second case, the idea is that your principal is returned to you as a part of your earnings.\u00a0 This can get confusing at times, especially when comparing investment plans that run for different lengths of time.<\/p>\n

At EmilyNews<\/em>, we are somewhat proud of the fact that we introduced a term called daily net interest (DNI) that enables a person to cut through all this confusion and come up with a single number that is a measure of the profitability of an investment plan.\u00a0 We discussed DNI in great detail in HYIP Insights #12<\/em> (that you can read here<\/a>).\u00a0 However, in the way of a very quick summary, DNI is the AVERAGE daily profit that you receive over the length of an investment plan.\u00a0 This smooths out the fluctuations in the profit you receive on a daily basis as, during some portions of an investment plan you might actually be making zero profit (when recovering your investment) while at others, you will be making a relatively large profit.<\/p>\n

But, is this all there is to it?\u00a0 If we are comparing two investment plans, do we only have to compare their DNIs in order to make a decision as to which one is the best?<\/p>\n

Let\u2019s get back to our discussion of the two common types of investment plans and take a look at an example of each.\u00a0 Here they are:<\/p>\n

Plan 1:\u00a0 Pays 2% interest per day for 40 days and returns your principal at the end of the plan.<\/p>\n

Plan 2:\u00a0 Pays 4.5% interest per day for 40 days but does NOT return your principal.<\/p>\n

Let\u2019s look at Plan 1 first.\u00a0 Since this plan will return your investment, assuming that it doesn\u2019t close prematurely, the daily interest that you receive will be pure profit.\u00a0 In other words, it will be your daily net (net means profit) interest or DNI.\u00a0 So, for Plan 1, the DNI is 2%.<\/p>\n

Now, let\u2019s look at Plan 2.\u00a0 In this plan, you receive a gross daily income of 4.5%.\u00a0 For the entire 40-day period, this comes to 180% (4.5 x 40).\u00a0 Subtracting 100% from this to account for the fact that this includes your principal, your total net interest will be 80%.\u00a0 Finally, averaging this out over the 40-day length of the plan, you get a daily net interest or DNI of 2% (80\/40).<\/p>\n

You can see that both plans have the same DNI which means that, in the 40-day period, you will make exactly the same amount of money with either plan.\u00a0 So, it doesn\u2019t matter which plan you choose to invest with, right?\u00a0 Wrong!\u00a0 Well, everything IS alright if the program survives for the full 40 days.\u00a0 If it doesn\u2019t, then obviously, for Plan 1, you won\u2019t get your principal back.\u00a0 In addition, you are earning at 2%\/day in Plan 1 whereas, in Plan 2 you are earning at 4.5%\/day, which is over twice as much.<\/p>\n

Let\u2019s take a quick look at how long it takes each of these plans to break even.\u00a0 You do this by dividing 100% by the interest paid per day.\u00a0 So, for Plan 1, it will take 50 days (100\/2) to break even.\u00a0 The plan is only 40 days long.\u00a0 So, this means that you won\u2019t break even in this plan until your principal is returned at the end of it.\u00a0 For Plan 2, you will break even in around 23 days (100\/4.5).\u00a0 \u00a0So, for the last 7 days of that plan you are earning pure profit.\u00a0 This also implies that halfway into the 23 days — 11 or 12 days — you have earned back half of your investment.\u00a0 So, to summarize, for Plan 1 you don\u2019t break even until your principal is refunded at the end of the plan while in Plan 2 you break even after 23 days — and, of course, are recovering your investment over twice as fast as in Plan 1.<\/p>\n

So, here we have two plans that are equally profitable (have the same DNI) IF the program doesn\u2019t close before the investment term is up.\u00a0 However, if it does close prematurely, Plan 2 — that returns your investment as part of your earnings — is a clear winner.\u00a0 The bottom line is that, everything else being equal (like in this example), investment plans that return your principal as part of your earnings are superior to those that return your principal as a lump sum at the end of an investment plan.<\/p>\n

A lot of us knew this already.\u00a0 However, in case you didn\u2019t, now you do!<\/p>\n

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There are two common types of investment plan that are offered by HYIPs.\u00a0 Simply stated, one returns your principal at the end of the plan and the other does not.\u00a0 In the second case, the … HYIP Insights #18 – Which Type of Investment Plan is Best?<\/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":[897,116,53,895,894,117,898,896],"class_list":["post-3033","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hyip-insights","tag-dni-in-the-plan","tag-emily-news-insights","tag-hyip-insights","tag-hyip-insights-12","tag-hyip-insights-18","tag-hyip-insights-library","tag-investment-return","tag-types-of-investment-plan","exalt-entry"],"yoast_head":"\nHYIP Insights #18 - Which Type of Investment Plan is Best? - 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=3033\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Which Type of Investment Plan is Best? 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