3. We will only invest in programs within ONE WEEK of their opening date online.\u00a0 This helps guard against the typical early closure associated with most HYIPs.\u00a0 The clock is ticking the minute a program begins.\u00a0 So, it is very important to keep in touch with monitors such as Emily News<\/em> and only invest in programs shortly after they get up and running.<\/p>\n 4. We will only invest in an investment plan ONE TIME.\u00a0 No reinvesting or compounding.\u00a0 This decreases the risk associated with early closing.<\/p>\n 5. We will NOT invest in programs offering investment plans that have daily net interests (DNIs) greater than 2%.\u00a0 See HYIP Insights #12<\/em><\/a> for a detailed discussion of this.\u00a0 An exception to this rule might be when a program offers an investment plan where the minimum investment required for this higher interest plan is so high that probably no one will use it.<\/p>\n 6. We will only invest in programs that break even in LESS THAN one month.\u00a0 This minimizes the time your investment is at risk.<\/p>\n These investment criteria are very stringent; they will probably eliminate half of the investment programs that are online right now!\u00a0 HOWEVER, THE IDEA IS TO PLAY IT VERY SAFE AND TO WIN MORE OFTEN THAN YOU LOSE.<\/p>\n So, with these thoughts as guidelines, let\u2019s look at some hypothetical investment plans and see how they stack up against these requirements.\u00a0 After that, we will take a look at some real programs that are currently listed on the EmilyNews<\/em> monitor and decide whether or not investing with them makes sense according to these guidelines.<\/p>\n When we examine these hypothetical investment plans, we will change the length of the plan by five-day amounts (rather than smaller amounts) to simplify our analysis.<\/p>\n Case #1<\/strong>.\u00a0 4% daily for 30 days. This is the only possibility for 4%.\u00a0 If we lengthen the plan, it will be longer than 30 days.\u00a0 If we shorten it to 25 days, there will be zero profit. \u00a0Let\u2019s move up to 5% daily gross interest.<\/p>\n Case #2<\/strong>.\u00a0 5% daily for 25 days. This plan would fulfill all our requirements.\u00a0 We cannot shorten the plan to 20 days as it will have zero profit.\u00a0 However, we can lengthen it to 30 days.<\/p>\n Case #3<\/strong>.\u00a0 5% daily for 30 days This plan would also fulfill all our requirements.\u00a0 Now the length of plan is at the maximum limit.\u00a0 Let\u2019s move up to 6% daily gross interest.<\/p>\n Case #4<\/strong>.\u00a0 6% daily for 20 days. With the higher interest rate, the breakeven point decreases.\u00a0 This is good for the investor.\u00a0 We cannot decrease the length of the plan to 15 days because there will be no profit.\u00a0 However, we can increase it to 25 days.<\/p>\n Case #5<\/strong>.\u00a0 6% daily for 25 days. By lengthening the investment term to 25 days, the DNI increases to the maximum permissible amount — 2%.\u00a0 So, we cannot lengthen the plan any more.<\/p>\n In summary, we have the following possibilities:<\/p>\n 4% daily. 5% daily. 6% daily. So, you can see that, for low gross interest rates, the limiting factor is the length of the term of the investment plan.\u00a0 This occurs because you can\u2019t break even within 30 days.\u00a0 For high gross interest rates, the DNI of the plan becomes too high.\u00a0 There is only a small window of gross interest rates and length of investment terms that will fit our criteria.<\/p>\n Now comes the hard part.\u00a0 We\u2019ll take a look at real HYIPs that have closed in recent days and see if they would have fulfilled our investment criteria and, if so, how much money we would have made or lost.<\/p>\n I looked at closed programs on both EmilyNews<\/em> and on another popular monitor.\u00a0 Among them, only two satisfied our investment criteria.\u00a0 Here\u2019s how things would have worked out:<\/p>\n NobleDDOS.\u00a0 Closed after 37 days. An investment in this program would have been completely successful.\u00a0 Looking at the 5% program, the total gross return would have been 150%.\u00a0 So, the total net return would have been 50%.\u00a0 You would have made 50% profit in one month.\u00a0 Not bad\u2026<\/p>\n Steaks Center.\u00a0 Closed after seven days. Since you earned for seven days, you total gross return would have been 70% of your investment.\u00a0 You would have lost 30%.\u00a0 This example illustrates how important it is to select only programs that return your investment as part of your earnings.\u00a0 If your investment had been held with the promise of returning it to you at the end of the plan, you would have lost ALL of it.<\/p>\n Looking at both these programs together, assuming that you invested the same amount in each of them, you would have won 50% in the first and lost 30% in the second.\u00a0 You would be 20% ahead.\u00a0 Two programs aren\u2019t enough to get a feel how this would work out in the long term.\u00a0 However, if you think about what happened, you can learn a lot.\u00a0 One small lesson might be that, if the Steaks Center program didn\u2019t return your deposit until the end of its investment plan (as is common with short-term plans), you would have lost 100% of that investment.\u00a0 Combining that with the 50% gain from NobleDDos, you would have come out 50% NEGATIVE overall.<\/p>\n Unfortunately, I can only find two programs that satisfy our investment criteria and that have closed.\u00a0 So, this is probably not a fair evaluation of the criteria.\u00a0 There are a few other programs still listed on the EmilyNews<\/em> monitor that fulfill the investment criteria.\u00a0 Two of them are AltronFx<\/a> that, right now, we have been monitoring for eleven days and Profitable Morrows<\/a> that we have been monitoring for 109 days.\u00a0 Clearly a person would have made a successful investment with Profitable Morrows<\/a>.\u00a0 AltronFx<\/a> might still be worthwhile to try.\u00a0 It has only been online for less than two weeks and is probably OK in that regard (remember that we are not going to invest in a program after it has been online more than a week).<\/p>\n In closing, these investment criteria are quite restrictive.\u00a0 I believe that, if a person has the DISCIPLINE to follow them, his chances of coming out ahead in the HYIP game will increase.\u00a0 However, it is STILL possible to lose as was the case with Steaks Center.<\/p>\n Always remember that the goal is to win more than you lose.\u00a0 I hope that this \u201csafe\u201d investment guide will help you to do so.<\/p>\n *********************************<\/p>\n If one of the paying programs on our Monitor appeals to you, please support EmilyNews<\/em> by registering for it on our website. Thanks very very much!<\/p>\n *********************************<\/p>\n Be the first to get most important HYIP news everyday! If you like this article, please share it by using the social media buttons below.<\/p>\n","protected":false},"excerpt":{"rendered":"
\nTotal gross interest = 120% (4% x 30 days)
\nTotal net interest = 20% (120% \u2013 100%)
\nDNI = 0.67% (20%\/30 days)
\nBreak even = 25 days (100%\/4%)<\/p>\n
\nTotal gross interest = 125% (5% x 25 days)
\nTotal net interest = 25% (125% \u2013 100%)
\nDNI = 1% (25%\/25 days)
\nBreak even = 20 days (100%\/5%)<\/p>\n
\nTotal gross interest = 150%
\nTotal net interest = 50%
\nDNI = 1.67% (50\/30)
\nBreak even = 20 days<\/p>\n
\nTotal gross interest = 120% (4% x 20 days)
\nTotal net interest = 20% (120% \u2013 100%)
\nDNI = 1.00% (20%\/20 days)
\nBreak even = 17 days (100%\/6%)<\/p>\n
\nTotal gross interest = 150% (6% x 25 days)
\nTotal net interest = 50% (150% \u2013 100%)
\nDNI = 2.00% (50%\/25 days)
\nBreak even = 17 days (100%\/6%)<\/p>\n
\n30 days only.\u00a0 Length of term is limiting factor.<\/p>\n
\n25 or 30 days.\u00a0 Length of term is limiting factor.<\/p>\n
\n20 or 25 days.\u00a0 DNI is limiting factor.<\/p>\n
\nTwo investment plans:
\n4.5% for 30 days
\n5% for 30 days<\/p>\n
\nOne investment plan:
\n10% for 11 days.<\/p>\n![](\"https:\/\/altronfx.com\/template\/\/images\/banners\/468.gif\")
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