{"id":5883,"date":"2019-01-17T04:13:10","date_gmt":"2019-01-17T04:13:10","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=5883"},"modified":"2019-03-24T08:04:15","modified_gmt":"2019-03-24T08:04:15","slug":"tophats-review-2","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=5883","title":{"rendered":"Tophats – Review #2"},"content":{"rendered":"

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

The Tophats Investment Plans.<\/strong><\/p>\n

A week or so ago, in our News Commentary #643<\/em><\/a>, we described a number of changes that Tophats<\/a> made in the investment plans that they offer.\u00a0 These changes actually make Tophats<\/a> a completely different investment program!\u00a0 So, what I\u2019d like to do in this article is to bring you up to date by making a quick second review of the Tophats<\/a> investment plans as they now stand.\u00a0 As an introduction, let\u2019s begin by repeating what we said about the new plans in the News Commentary.<\/p>\n

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

Tophats\u00a0<\/a>(reviewed\u00a0here<\/a>) just announced some major changes in the selection of investment plans that they offer.\u00a0 As you may recall, they initially offered two plans as follows:<\/p>\n

2.5% per day for 60 days
\n3.0% per day for 50 days<\/p>\n

An interesting thing about these plans was that the total gross interest that they paid was 150% in both cases \u2014 a 50% net profit.<\/p>\n

The announcement indicates that they are discontinuing the 2.5% plan, but are adding two additional higher interest shorter term plans in its place.\u00a0 The new investment plans are as follows:<\/p>\n

5% per day for 50 days
\n7% per day for 22 days<\/p>\n

Again, the total gross interest for both these plans is 150% (154% for the 7% plan) \u2014 a 50% net profit (54% for the 7% plan).<\/p>\n

These changes in the\u00a0Tophats\u00a0<\/a>investment program deserve more attention and, for this reason, we tentatively plan to do a second review of the program in the near future.\u00a0 So, you might want to regard this blog article as a sort of \u201cFirst Thoughts\u201d article about what is essentially a new program.<\/p><\/blockquote>\n

As a result of these changes, the Tophats <\/a>investment plan offerings now look like this:<\/p>\n

3% daily for 50 days
\n$10 – $49<\/p>\n

5% daily for 30 days
\n$50 – $199<\/p>\n

7% daily for 22 days
\n$200 – $10,000<\/p>\n

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

The new set of investment plans that Tophats <\/a>now offers are a completely different ball game.\u00a0 Rather than being relatively low interest and relatively long term, they are now higher interest and relatively short term.\u00a0 Neither the old or the new group of investment plans are radical.\u00a0 By that I mean terms as long as a year or as short as a day of two.\u00a0 Or, extremely low or extremely high interest rates.\u00a0 However, they are quite different from one another.\u00a0 Let\u2019s take a closer look and see how the numbers work out\u2026<\/p>\n

First, let\u2019s take a look at how long it takes each of the plans to break even.\u00a0 That\u2019s simple to determine.\u00a0 You just divide 100% by the gross daily interest that an investment plan pays.\u00a0 For example, for the 3% plan, you divide 100% by 3% to get that the plan breaks even in around 34 days.\u00a0 Doing the same arithmetic for the other two plans, you get the following results:<\/p>\n

Plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Days to Break Even
\n3%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 34 days
\n5%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 20 days
\n7%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 15 days<\/p>\n

Next, let\u2019s determine the average daily net interest (DNI) that you can earn from each of the investment plans.\u00a0 To get DNI, we first need to determine the total gross interest that the plan pays.\u00a0 As an example, for the 3% plan, you multiple 3% by 50 days to get a total gross return of 150%.\u00a0 Actually, the website tells you this.\u00a0 In fact, for ALL the Tophats<\/a> investment plans, the total gross interest is the same — 150% (it\u2019s 154% for the 7% plan).\u00a0 Since this return includes your investment, your total net return will be an even 50%.\u00a0 Finally, if you divide this by the 50-day length of the plan, you get an average daily net interest or DNI of exactly 1%.\u00a0 Again, repeating this arithmetic for the 5% and 7% plans, you get the following results:<\/p>\n

Plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 DNI
\n3%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.00%
\n5%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.67%
\n7% \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2.45%<\/p>\n

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

First of all, the dollar amount of investment that is required to participate in ALL the investment plans is quite reasonable.\u00a0 Even the highest interest plan, the 7% plan, only requires a minimum investment of $200.\u00a0 So, it will be accessible to any serious investor.<\/p>\n

If you look at the numerical results of the previous section and compare them to what we discovered in the original review of the Tophats <\/a>investment program, you can see that it is now a completely different program.\u00a0 With the higher interests that are paid, the investment plans break even faster and are much more lucrative.\u00a0 The question might be: \u201cAre they so lucrative that the program is now doomed to close in short order?\u201d\u00a0 Let\u2019s take a closer look.<\/p>\n

As I already mentioned, we now have three very affordable investment plans.\u00a0 There is no high minimum investment that will lock the serious investor out of any of them.\u00a0 To be sure, a number of investors won\u2019t be able to afford the $200 of the 7% plan.\u00a0 However, I believe that anyone who is serious about the Tophats <\/a>program will be able to invest.\u00a0 Another good feature of the new plans is that, for all practical purposes, they all break even within a month of so.<\/p>\n

DNI is our measure of profitability (and risk) of an investment plan.\u00a0 If you multiply the DNIs of each of these plans by seven, you get their expected average weekly profit.\u00a0 Here are the numbers for that:<\/p>\n

Plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Average Weekly Profit
\n3%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 7%
\n5%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 11.7%
\n7% \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 17.2%<\/p>\n

Depending on your temperament as an investor, these levels of profit can be either high or low. \u00a0In HYIP Insights #23<\/em><\/a>, we suggested that a sensible level of weekly profit to aim for might be between 5% and 10%.\u00a0 Our recommendation might be overly conservative, but it does point out that the 7% investment plan is certainly a lucrative one!\u00a0 Similarly, in HYIP Insights #12<\/em><\/a>, we suggested that programs offering investment plans with DNIs higher than 2% might have trouble surviving in the long term.\u00a0 This is always the dilemma with HYIPs.\u00a0 A good program administrator will try to provide investors with the most lucrative returns possible while, at the same time, insure that the company will not close prematurely.\u00a0 We can only hope that the folks running the show at Tophats <\/a>have done their math such that the program will be able to pay these very attractive returns on a long-term basis.<\/p>\n

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

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

The Tophats <\/a>investment plan offerings have been changed such that they now offer three medium term plans.\u00a0 All return your investment as part of your earnings.\u00a0 The plans all break even within a month or so and are very affordable, with the highest minimum investment being only $200.\u00a0 The highest interest plan is especially lucrative, which might put the long-term survivability of the overall program at risk.\u00a0 However, the interest that is promised in not off-the-chart and, with wise management practices, the Tophats <\/a>investment program might very well be successful in the long term.\u00a0 Tophats <\/a>will probably now appeal to the more adventuresome investor.<\/p>\n

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This program moved to CLOSED! Do not invest there! The Tophats Investment Plans. A week or so ago, in our News Commentary #643, we described a number of changes that Tophats made in the investment … Tophats – Review #2<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":5486,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1920,1908,1907,1917,1913,1914,1916,1923,1915,1918,1919,1921],"class_list":["post-5883","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-httpstophats-farmrefemilynews","tag-tophats","tag-tophats-farms","tag-tophats-info","tag-tophats-investment-plan","tag-tophats-investment-program","tag-tophats-news","tag-tophats-review","tag-tophats-scam-or-paying","tag-tophats-update","tag-tophats-updates","tag-tophats-farm","exalt-entry"],"yoast_head":"\nTophats - Review #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=5883\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tophats - Review #2 - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved to CLOSED! 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