{"id":3348,"date":"2018-02-19T04:07:24","date_gmt":"2018-02-19T04:07:24","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=3348"},"modified":"2018-03-13T04:03:11","modified_gmt":"2018-03-13T04:03:11","slug":"ryna-holdings-review-part-2","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=3348","title":{"rendered":"Ryna Holdings – Review\u00a0Part 2"},"content":{"rendered":"

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

In this second part of the review of Ryna Holdings<\/a> (Ryna<\/a> for short) investment program, we will continue to take an in-depth look at the three investment plans offered by the company.\u00a0 In case you\u2019ve forgotten, all of the investment plans pay your interest on a daily basis and have a one-year term.\u00a0 And, your investment is returned to you as part of your interest earnings.\u00a0 In Part 1 of this review, we spent a lot of time figuring out the daily interest rates paid by the three Ryna<\/a> investment plans.\u00a0 You will recall that the website gave information on earnings in dollars rather than in percents as is the normal custom in the HYIP industry.\u00a0 Here is a summary of what we discovered in Part 1<\/a>.<\/p>\n

Basic Package
\n$10 – $1,000
\nMinimum daily gross interest.\u00a0 0.60%
\nMaximum daily gross interest.\u00a0 0.90%
\nAverage daily gross interest.\u00a0 0.75%<\/p>\n

Top Package
\n$1,001 – $5,000
\nMinimum daily gross interest.\u00a0 1.00%
\nMaximum daily gross interest.\u00a0 1.30%
\nAverage daily gross interest.\u00a0 1.15%<\/p>\n

Ultimate Package
\n$5,001 – $30,000
\nMinimum daily gross interest.\u00a0 1.40%
\nMaximum daily gross interest.\u00a0 1.70%
\nAverage daily gross interest.\u00a0 1.55%<\/p>\n

Now, let\u2019s move ahead and learn more about how these investment plans work\u2026<\/p>\n

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

Analysis of the Ryna Holdings Investment Plans.<\/strong><\/p>\n

It is important to realize that everything we come up with in our analysis of the Ryna<\/a> investment plans will be approximate because the interest paid by the various plans varies on a day by day basis.\u00a0 We will estimate how everything will work by using the AVERAGE daily gross interest rate for each of the programs.\u00a0 This should put us in the right ballpark.\u00a0 But, our results won\u2019t be precise.<\/p>\n

This said, the first thing that we will do is determine when each of the plans will break even.\u00a0 This is very easy to do.\u00a0 You simply divide 100% by the average gross interest referred to in the previous paragraph.\u00a0 For the Basic Package, the plan would break even after 134 days (100\/.75).\u00a0 Doing the same arithmetic for the other two programs we come up with the following results:<\/p>\n

Basic Package.\u00a0 Break even = 134 days
\nTop Package.\u00a0 Break even = 87 days
\nUltimate Package.\u00a0 Break even = 65 days<\/p>\n

Next, let\u2019s determine the daily net interest (DNI) for each of the investment plans.\u00a0 You will recall that DNI is the best tool we have for determining the profitability of an investment plan as well as its chances for long-term survivability.\u00a0 Again, thinking about the Basic Package, since we know the average gross DAILY interest, we can multiply this by 365 days to get the TOTAL gross interest paid by the investment plan.\u00a0 This comes out to 274% (.75 x 365).\u00a0 Subtracting 100% because this includes your investment, you come up with the total net interest for the plan or 174%.\u00a0 Finally, dividing this by the number of days in the investment plan, you come up with the daily net interest (DNI) which, for this case equals 0.48%.\u00a0 If we do the same arithmetic for the other two investment plans we come up with the following results:<\/p>\n

Basic Package
\nTotal net interest = 174%
\nDNI = 0.48%<\/p>\n

Top Package
\nTotal net interest = 320%
\nDNI = 0.88%<\/p>\n

Ultimate Package
\nTotal net interest = 466%
\nDNI = 1.28%<\/p>\n

Discussion.<\/strong><\/p>\n

Let\u2019s talk about survivability of the program first.\u00a0 In the article in HYIP Insights #12<\/em><\/a>, we suggested that programs having investment plans with DNIs less than 1% would have a very good chance of long term survival while programs having plans with DNIs greater than 2% might have a poor chance.\u00a0 DNIs between 1% and 2% are in a gray area and programs with plans having\u00a0 DNIs in this range could easily go either way.\u00a0 Of course, these ranges of values are only our OPINION.\u00a0 Especially in the HYIP \u201cGame,\u201d nothing is certain.\u00a0 Sometimes programs that we expect to be long-term survivors wind up crashing in a matter of weeks.\u00a0 On the other hand, sometimes there are programs that manage to keep plugging along in spite of the fact that they are paying interests that appear to be unsustainable.\u00a0 But, with this as a disclaimer, it is STILL good to do one\u2019s best at trying to get a handle on the survivability of an investment program.\u00a0 And, these ranges of DNIs are one way of approaching this problem.\u00a0 But, back to Ryna<\/a>\u2026<\/p>\n

Looking at the DNIs in the previous list, we can see that the values for the Basic and Top Packages are below 1%.\u00a0 Only the value for the Ultimate Package is in the gray area between 1% and 2%.\u00a0 And, it is in the low side of the gray area with a DNI of only 1.28%.\u00a0 Furthermore, the minimum investment required for this package is $5,000, which is much higher than the typical online investor will put into a single program.\u00a0 In short, most, if not all, of the Ryna<\/a> customers will be paid net daily interests that are less than one percent.\u00a0 This is very unusual in the HYIP business and\u00a0Ryna<\/a> is the first program to come along in quite a while that offers investment plans that are so conducive to long-term survival.<\/p>\n

The flip side of the coin, of course, is profitability.\u00a0 The lower the interest that is paid, the better are a programs chances for long-term survival.\u00a0 On the other hand, lower interest means that it is a less profitable program.\u00a0 There is no getting around that.\u00a0 But, let\u2019s put some dollars and cents on this.\u00a0 Let\u2019s suppose that we invest $1,000 in the Basic Package as well as in the Top Package and see how the earnings compare.\u00a0 Let\u2019s simply use the DNIs for the plans even though you must remember that DNIs are FICTITIOUS numbers that average out your earnings over the entire investment plan term (you don\u2019t make any profit until you break even but, after that, you are earning \u201cpure profit).\u00a0 For the Basic Package, with a DNI of 0.48%, you would earn an average daily profit of $4.80 or $33.60 per week.\u00a0 For the Top Package, with a DNI of 0.88%, you would earn an average daily profit of $8.80 or $61.60 per week.\u00a0 To put it still another way, multiplying each of these DNIs by seven, you get an average percent profit per week.\u00a0 So, for the Basic Package your average weekly profit would be 3.36% while for the Top Package, your average weekly profit would be 6.16%.\u00a0 My personal rule is that, if an investment plan earns me around 5% profit per week, it is a sensible plan to get involved with.\u00a0 This is my opinion of course; I\u2019m a VERY conservative investor.\u00a0 But, for what it\u2019s worth, these two investment plans are right in line with my way of thinking.\u00a0 The Top Package might, indeed, be TOPS!<\/p>\n

All of these investment plans return your investment along with your earnings.\u00a0 In general, this type of investment plan is superior to the type that returns your investment at the completion of the plan because you are gradually getting closer to the day when you will break even and begin to make \u201cpure\u201d profit.\u00a0 Looking at our listing of days to break even for the three plans, we see that the Basic Package takes around four months to break even while the Top package takes only three.\u00a0 The Ultimate Package takes around two months but, again, I doubt if that plan will have many takers.\u00a0 The bottom line is that it will take three or four months for you to break even with these plans — which, in the HYIP business, is quite a long time.\u00a0 However, since all the investment plans run for a full year, you will be earning pure profit most of the time — for eight or nine months.\u00a0 That\u2019s rather nice.<\/p>\n

A final point and, I think, a very important one is that, since the earnings for the Top Package are so much greater than the earnings for the Basic Package (a DNI of 0.88% vs. a DNI of 0.48%), it would appear that an investor might want to make a special effort to generate the $1,000 minimum investment required to take advantage of the higher interest program.\u00a0 However, always remember the advice we give in every review which is to NEVER invest more than you can afford to lose.\u00a0 As far as the Ryna<\/a> program is concerned, it looks like the program could be a long-term survivor.\u00a0 But, nothing is ever for sure in this business.<\/p>\n

Conclusions.<\/strong><\/p>\n

Ryna Holdings<\/a> offers three low-interest long-term investment programs.\u00a0 They all return your investment as part of your earnings.\u00a0 Based on the interest rates that they offer, the prognosis for long-term survival of the program is exceptionally good.\u00a0 Even though the interest paid is low compared to the typical HYIP, for the two lower interest investment plans it is still possible to average in the neighborhood of 5% weekly profit over the one-year course of the investment plans.\u00a0 The highest interest plan will get you considerably more.\u00a0 These plans can be expected to attract the conservative investor who is looking for modest but steady long-term income.\u00a0 They will probably not attract the adventuresome investor who is looking for greater earnings over a shorter period of time.\u00a0 Good Luck!<\/p>\n

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

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This program has STOPPED paying! Do not invest there! In this second part of the review of Ryna Holdings (Ryna for short) investment program, we will continue to take an in-depth look at the three … Ryna Holdings – Review\u00a0Part 2<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":3327,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1005,992,1003,1001,1002,997,1004,1000,998,999],"class_list":["post-3348","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-httpsryna-holdings","tag-ryna-holdings","tag-ryna-holdings-info","tag-ryna-holdings-investment-plan","tag-ryna-holdings-investment-program","tag-ryna-holdings-news","tag-ryna-holdings-review","tag-ryna-holdings-scam-or-paying","tag-ryna-holdings-update","tag-ryna-holdings-updates","exalt-entry"],"yoast_head":"\nRyna Holdings - Review\u00a0Part 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=3348\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ryna Holdings - Review\u00a0Part 2 | FAIR and FAST HYIP News | EmilyNews | EN | FAIR and FAST HYIP News | EmilyNews | EN\" \/>\n<meta property=\"og:description\" content=\"This program has STOPPED paying! 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