{"id":4738,"date":"2018-09-06T04:09:29","date_gmt":"2018-09-06T04:09:29","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=4738"},"modified":"2019-01-04T22:16:37","modified_gmt":"2019-01-04T22:16:37","slug":"luxearn-review-part-2","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=4738","title":{"rendered":"LuxEarn – Review Part 2"},"content":{"rendered":"

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

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

In Part 1<\/a> of the review, the main thing we accomplished was to gain an understanding of how the LuxEarn<\/a> investment plans work.\u00a0 We also found out that 25 of the 30 plans have minimum investments that are probably beyond the reach of almost all HYIP investors.\u00a0 In fact, we even discouraged people from investing in them as investing large sums of money in ANY online investment program is probably not a good idea.\u00a0 So there were only FIVE investment plans that we planned to analyze.<\/p>\n

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

There is something else about the investment plans that I didn\u2019t notice until now.\u00a0 I should have pointed this out in Part 1 of the review.\u00a0 However, better late than never.\u00a0 If you look at the 5% daily plan in the Business Group and the 8% daily plan in the Royal group, you will see that they are identical except for the fact that the minimum investment for the 5% plan is $750 while the minimum for the 8% is $950.\u00a0 I don\u2019t think the $200 additional in the way of a minimum investment is significant.\u00a0 So, obviously, the investor should put his money into the 8% plan.\u00a0 For that reason, we won\u2019t consider the 5% plan further.\u00a0 That brings the number of plans that we will analyze down to only FOUR.<\/p>\n

As long as we have it on the table, let\u2019s continue to talk about the 8% daily plan in the Royal group.\u00a0 First of all, since this plan has a \u201cgain profit\u201d of 100% (meaning compulsory 100% compounding), you will not break even until the end of the investment plan.\u00a0 This will occur 140 calendar days after the plan begins — over four months.\u00a0 That\u2019s when you will receive ALL your earnings.<\/p>\n

Concerning profitability, since your investment is returned to you at the end of the plan, all of your earnings are profit (assuming the program survives until the conclusion of the plan).\u00a0 Eight percent per business day translates to 40% profit per week.\u00a0 If you divide this by seven, you come up with roughly a calendar day daily profit of 5.7%. \u00a0We refer to this as daily net interest or DNI.\u00a0 In HYIP Insights #12<\/em><\/a>, we suggested that HYIPs offering investment plans having DNIs greater than 2% might have a difficult time surviving in the long term.\u00a0 The DNI for this plan is almost THREE TIMES this amount.\u00a0 Unless there are other very favorable factors for this program, the odds would appear to be that it won\u2019t be able to survive for very long.<\/p>\n

Let\u2019s put some numbers on this.\u00a0 Suppose that you invest $1,000 in this plan.\u00a0 If you earn 8% of this per day, your daily earnings will be $80.\u00a0 For 100 business days, your total earnings would be $8,000.\u00a0 Since your deposit is returned to you, your total return would be $9,000.\u00a0 This result can be checked in the online calculator by setting the gain profit to 0%.<\/p>\n

However, this is wrong!\u00a0 The investment plan FORCES you to have 100% gain profit.\u00a0 In that case, the calculator tells you that your total return will be $2,199,761.\u00a0 This is ASTOUNDING!\u00a0 I even set up a spread sheet of my own to check the result.\u00a0 I won\u2019t bother to calculate the DNI corresponding to this result.\u00a0 It will be way off the chart.<\/p>\n

Next let\u2019s take a look at the plan in the Business group that pays you a flat 14,000% after 100 business days (or 140 calendar days).<\/p>\n

Here again, since you receive nothing until the plan ends, that\u2019s when you will break even.<\/p>\n

This will be pure profit since the plan description indicates that your investment is returned at the end of the plan.\u00a0 So, 14,000% divided by 140 days comes to a DAILY PROFIT OF 100%!\u00a0 Let me repeat that: a DNI of 100%!\u00a0 Considering our suggested upper limit of DNI of 2%, this is WAY off the chart.\u00a0 This implies that every day of the plan you get the equivalent of your investment returned to you.\u00a0 So, if I invest $1,000 in this plan, it will pay me $1,000 per day for each of the 140 days in the plan.\u00a0 In the 140-day period, your total profit will be $140,000.\u00a0 Adding your investment to this, your total return will be $141,000. \u00a0This result can be checked in the website calculator. \u00a0Of course, you don\u2019t see any of these earnings until the plan ends.<\/p>\n

We are left with the two investment plans in the Ordinary group.\u00a0 And, as the name implies, these are, indeed, very ordinary plans by HYIP standards.\u00a0 They pay a modest interest that is returned to you on a daily basis.\u00a0 You can elect to compound some or all of it, but, unlike most the other programs offered by LuxEarn<\/a> where you are forced to compound 100%, this is an option.<\/p>\n

The first of the two plans pays 0.5% per business day for 356 business days (around 500 calendar days) while the second pays 1.1% per business day for 100 business days (140 calendar days).\u00a0 Both of them return your investment at the end of the investment plan.\u00a0 First, let\u2019s convert these interest rates to calendar days; it\u2019s easier to think in these terms.\u00a0 To do that, you multiply each of the given percents by 5\/7 to get 0.36% and 0.79% per calendar day.\u00a0 And, since your investment is returned to you at the end of the plan, these percents are profit or daily net interest (DNI).\u00a0 So, whereas the previous plans that we looked at had DNIs that were off the chart, these are both less than 1% — an amazing difference.\u00a0 Referring again to the article in HYIP Insights #12<\/em><\/a>, programs offering investment plans having DNIs less than 1% have a GOOD chance of long term survivability.\u00a0 Of course, they are not the most profitable ones.<\/p>\n

Since these two programs pay you earnings every business day, you might break even before the plan ends.\u00a0 Let\u2019s see if that\u2019s the case.\u00a0 To find out the days to break even you divide 100% by the daily interest paid.\u00a0 For the 0.5% plan, you get 200 business days (100\/0.5) or 280 calendar days and for the 1.1% plan, you get around 91 business days (100\/1.1) or 128 calendar days.\u00a0 These plans are 356 and 100 business days long; so, you will break even before the plans end and, after that, there will be a period of time during which your earnings will be pure profit until, ultimately, the plan will end and your principal will be returned.<\/p>\n

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

The LuxEarn<\/a> collection of investment plans is truly amazing.\u00a0 Twenty-five of them have minimum investments that are beyond the reach of the online investor.\u00a0 Of the five that remain, two of them are almost identical except for the interest rates that are offered (so that the investor would be foolish not to choose the one paying the higher interest); three of them (including the two that are almost identical) offer interest returns that are extremely high; and, two are typical of the typical HYIP investment plan, even offering returns that are probably lower than the industry average, and that won\u2019t break even for over nine months in one case and four months in the other.\u00a0 So the choices are extremely high interest with no return until the end of the program or low interest with a daily return that will not enable you to break even until many months into the future.\u00a0 The first choice provides extremely high returns with the risk that the program might close before the investment term ends (which is when you receive all your returns) or that the program might not be able to pay the promised return.\u00a0 The second choice provides low daily returns (by HYIP standards) with the risk that the program might close before the investment term ends (which is when your investment will be returned).<\/p>\n

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

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

LuxEarn<\/a> offers a total of 30 investment plans.\u00a0 However, as indicated above, probably only four of them make sense for the online investor.\u00a0 Of these four plans, two offer EXTREMELY high returns and two offer rather low returns.\u00a0 The Luxearn<\/a> investment plans that pay extremely high interest rates lead a person to believe that the program will be unsustainable.\u00a0 However, the program has apparently been online for a number of years.\u00a0 This implies that these high interest investment plans have not been used.\u00a0 It is hard to believe that any investment program can afford to pay returns in the neighborhood of 100% per day.\u00a0 So, the inevitable conclusion is that investors have chosen to use the Ordinary group of investment plans.\u00a0 As we have discovered, this is a low interest long-term group of plans.\u00a0 From this point of view, LuxEarn<\/a> would appear to be a very conservative program.\u00a0 The administrators of the program might want to consider eliminating some of the high interest investment plans that will in all likelihood never be used.<\/p>\n

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This program moved to CLOSED! Do not invest there! Analysis of the LuxEarn Investment Plans. In Part 1 of the review, the main thing we accomplished was to gain an understanding of how the LuxEarn … LuxEarn – Review Part 2<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":4727,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1646,1634,1643,1639,1640,1642,1648,1641,1644,1645,1647],"class_list":["post-4738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-httpsluxearn-comrefemilynews","tag-luxearn","tag-luxearn-info","tag-luxearn-investment-plan","tag-luxearn-investment-program","tag-luxearn-news","tag-luxearn-review","tag-luxearn-scam-or-paying","tag-luxearn-update","tag-luxearn-updates","tag-luxearn-com","exalt-entry"],"yoast_head":"\nLuxEarn - 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=4738\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LuxEarn - Review Part 2 - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved to CLOSED! 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