{"id":4082,"date":"2018-05-11T03:54:11","date_gmt":"2018-05-11T03:54:11","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=4082"},"modified":"2018-05-25T04:56:26","modified_gmt":"2018-05-25T04:56:26","slug":"apex-traders-review","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=4082","title":{"rendered":"Apex Traders – Review"},"content":{"rendered":"

This program moved to CLOSED! Do not invest there!<\/strong><\/p>\n

The Apex Traders Investment Plans.<\/strong><\/p>\n

In our \u201cFirst Thoughts<\/a>\u201d article about Apex Traders<\/a>, we introduced their three investment plans as follows:<\/p>\n

Apex Traders<\/a> offers three investment plans.\u00a0 The first one returns your investment at the end of the plan while the second two return it as part of your earnings.\u00a0 The terms of the plans are short to medium, ranging for 15 to 40 days long.\u00a0 A quick look tells me that the interest rates are quite profitable for the investor but are not so high that they would be completely unsustainable in the long term.\u00a0 But, this is only based on a quick look.\u00a0 In fact, there appears to be something unusual going on with the interest rates that are offered.\u00a0 With that as a \u201cteaser,\u201d I\u2019ll stop for now.\u00a0 When we review the program, we will take a very in-depth look at the pros and cons of the Apex Traders<\/a> investment plans.\u00a0 Please stand by\u2026<\/p><\/blockquote>\n

The website gives the following information about the three Apex Traders<\/a> investment plans:<\/p>\n

2% daily for 15 days<\/strong>
\n$20 – $5,000
\nDeposit return \u2013 Yes<\/p>\n

4% daily for 40 days<\/strong>
\n$300 – $10,000
\nDeposit returned \u2013 No<\/p>\n

6% daily for 30 days<\/strong>
\n$3,100 – $1,000,000
\nDeposit returned – No<\/p>\n

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

Analysis of the Apex Traders Investment Plans.<\/strong><\/p>\n

Taking a very quick look at the investment limits of the three investment plans, you can see that the first two will probably be affordable to most online investors whereas the third probably will not.\u00a0 I also note the EXTREMELY high maximum investment limit for the third plan.\u00a0 We always discourage folks from investing more than a few thousand dollars in an online investment program — unless, of course, there is verifiable information available about the activities of a company and its performance as an investment vehicle.\u00a0 A million dollars is off-the-chart.\u00a0 It would seem that a wiser course of action would be for the company to simply to state that the upper limit for investment is \u201cunlimited.\u201d\u00a0 This would attract a lot less negative attention. \u00a0At least it wouldn\u2019t bother ME so much!\u00a0 The bottom line is that the first two investment plans will probably be the most popular because of their affordable lower investment limits (the high upper investment limit will probably have nothing to do with this!).<\/p>\n

OK, but how profitable are these investment programs?\u00a0 They are lined up on the website page in order of the daily interest that is paid.\u00a0 The implication is that the plans are listed in order of profitability.\u00a0 Unfortunately, this is NOT true.\u00a0 Profitability depends on BOTH the interest paid AND the length of the investment plan term.<\/p>\n

The best way to compare the profitability of different investment plans is to first determine the total net interest and then divide this by the number of days in the plan to give you an average daily net interest.\u00a0 You may not actually receive this cash amount every day; but, on the average, this is the daily profit that the plan will pay you.\u00a0 We call this \u201cdaily net interest\u201d or DNI.\u00a0 In this manner, you are comparing \u201capples to apples\u201d and there can be no confusion about the profit you are earning because one plan is longer or shorter than the other.<\/p>\n

The website correctly gives the total GROSS interest for each of the programs.\u00a0 For example, for the 2% program, it is 130%.\u00a0 In order to get the total NET interest, you have to subtract 100% because the gross includes your investment.\u00a0 In this case, the total net interest is 30%.\u00a0 Finally, to get the DAILY NET INTEREST (DNI), the quantity we are looking for, you divide this by 15, the number of days in the investment plan.\u00a0 The result is a DNI of 2% (30\/15).\u00a0 Of course, in this plan, since your investment is returned to you at the end of it, you would have realized from the start that the 2% daily interest that you are paid is pure profit (assuming that the program survives until the end of the investment plan).\u00a0 If you do the same arithmetic for the other two investment plans, you get the following surprising results:<\/p>\n

2% Plan<\/strong>
\nTotal gross interest = 130%
\nTotal net interest = 30%
\nLength of plan = 15 days
\nDNI = 2%<\/p>\n

4% Plan<\/strong>
\nTotal gross interest = 160%
\nTotal net interest = 60%
\nLength of plan = 40 days
\nDNI = 1.5%<\/p>\n

6% Plan<\/strong>
\nTotal gross interest = 180%
\nTotal net interest = 80%
\nLength of plan = 30 days
\nDNI = 2.67%<\/p>\n

To repeat what I\u2019ve already said above, when you look at the daily interest paid, the total gross interest, and the total net interest for the three Apex Traders<\/a> investment plans, you are led to believe that the 2% plan is the least profitable, the 4% is in the middle, and that the 6% is the most profitable.\u00a0 I\u2019m sorry to say, but this is NOT true.\u00a0 The 4% plan is the least profitable, the 2% plan is in the middle, and, as before, the 6% plan is the most profitable.\u00a0 It all comes down to the DNI for each investment plan.\u00a0 Apex Traders<\/a> didn\u2019t explicitly state which investment plan is the least or most profitable.\u00a0 So, we can\u2019t accuse them of lying.\u00a0 However, I DO think that the way the investment plans are listed is misleading.\u00a0 Certainly, Apex Traders<\/a> is aware of the daily net profit they are paying their investors.<\/p>\n

So, the 2% plan is more profitable than the 4% plan.\u00a0 There is another reason that the 2% plan is superior.\u00a0 This is because the investment term is shorter; you can almost go through three cycles of the 2% plan in the time it takes you to cycle through the 4% plan once.\u00a0 The conservative investor might simply choose to invest once in the 2% plan and then to be done with the program.\u00a0 Putting your funds at risk for 15 days in order to earn 30% profit isn\u2019t a bad deal at all.<\/p>\n

There is one more factor that we should take a look at.\u00a0 This is the time for each of the investment plans to break even.\u00a0 This is extremely easy to determine.\u00a0 You simply divide 100% by the daily interest that you receive.\u00a0 In the case of the 2% plan, dividing 100% by 2%, you get 50 days.\u00a0 Since this plan is only 15 days long, you won\u2019t break even until the plan ends.\u00a0 This IS a disadvantage of this program.\u00a0 Doing the same arithmetic for the other two plans, you get the following results:<\/p>\n

2% Plan.\u00a0 Break even in 15 days (at end of plan)
\n4% Plan.\u00a0 Break even in 25 days (plan is 40 days long)
\n6% Plan.\u00a0 Break even in 17 days (plan is 30 days long)<\/p>\n

Even considering breakeven point, I would still say that the 2% plan is better than the 4% plan because the short term permits you to recover your entire investment much more quickly.\u00a0 Concerning the 6% plan, if you happen to have the $3,100 to invest in it, it does have a short breakeven time — roughly the same as the 2% plan — which is our favorite at this point.<\/p>\n

In HYIP Insights #12<\/em><\/a>, we suggested that programs offering investment plans with DNIs higher than 2% might have a poor chance of survival while programs offering plans with DNIs less than 1% might have a good chance.\u00a0 Between 1% and 2% could be anyone\u2019s guess depending on a number of factors.\u00a0 From the point of view of survivability, if Apex Traders<\/a> is successful in luring investors into the 4% plan with the lower DNI, this will, of course, be good for the survivability of the program.\u00a0 High DNIs put more money in your pocket.\u00a0 But, they are dangerous to the survival of the program.\u00a0 The 6% plan has a high DNI which would not be good for the survival of the program.\u00a0 However, this plan will probably not be used too much.\u00a0 So, that shouldn\u2019t be a concern.<\/p>\n

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

Apex Traders<\/a> offers three investment plans.\u00a0 Their terms last from 15 to 40 days.\u00a0 It turns out that the 2% plan is more profitable than the 4% plan and, primarily for this reason, the 4% plan should be ignored.\u00a0 The 2% plan is also the plan with the shortest term — which is an advantage.\u00a0 The 6% plan pays the highest interest but has a minimum investment that will be beyond the reach of most online investors.\u00a0 For this reason, the 4% plan is apt to be the most popular. \u00a0The daily net interests paid by the Apex Traders<\/a> appear to be in the range where, with careful administrative practices, the program might be able to survive in the long term.<\/p>\n

I hope this information is helpful.\u00a0 Good Luck!<\/p>\n

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

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This program moved to CLOSED! Do not invest there! The Apex Traders Investment Plans. In our \u201cFirst Thoughts\u201d article about Apex Traders, we introduced their three investment plans as follows: Apex Traders offers three investment … Apex Traders – Review<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":4080,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1340,1328,1334,1338,1339,1333,1337,1335,1336,1327,1326],"class_list":["post-4082","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-apex-review","tag-apex-traders","tag-apex-traders-info","tag-apex-traders-investment-plan","tag-apex-traders-investment-program","tag-apex-traders-news","tag-apex-traders-scam-or-paying","tag-apex-traders-update","tag-apex-traders-updates","tag-apex-traders-com","tag-httpsapex-traders-comrefemilynews","exalt-entry"],"yoast_head":"\nApex Traders - Review - 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=4082\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Apex Traders - Review - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved to CLOSED! 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