{"id":6100,"date":"2019-02-11T03:51:36","date_gmt":"2019-02-11T03:51:36","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=6100"},"modified":"2019-02-17T18:24:17","modified_gmt":"2019-02-17T18:24:17","slug":"coinvestment-review","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=6100","title":{"rendered":"Coinvestment – Review"},"content":{"rendered":"

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

The Coinvestment Investment Plan.<\/strong><\/p>\n

In our \u201cFirst Thoughts\u201d article about Coinvestment <\/a>(that you can read here<\/a>), we summarized their investment plan in the following way:<\/p>\n

Coinvestment<\/a>\u00a0offers a single very easy-to-understand investment plan.\u00a0 Simply stated, it offers 0.15% interest every hour \u2014 forever.\u00a0 So, it is another example of a \u201cperpetual\u201d investment plan.\u00a0 Unlike some other plans if this type, it is possible for the investor to withdraw his investment at any time after 48 hours from when his deposit was made.\u00a0 A rather modest 5% fee is required in order to do this.\u00a0 You are probably already doing the arithmetic in your head, but, in case you haven\u2019t, 0.15% per hour comes to 3.6% per day \u2014 which is quite a lot.\u00a0 So,\u00a0Coinvestment\u00a0<\/a>promises to be a lucrative investment program.\u00a0 We\u2019ll take a close look at its pros and cons when we review the program.\u00a0 We should have the review done in the next day or two.\u00a0 Please stand by\u2026<\/p><\/blockquote>\n

There really isn\u2019t anything that can be added to this description of the Coinvestment<\/a> investment plan.\u00a0 So, let\u2019s move along and try to understand it better\u2026<\/p>\n

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

Analysis of the Coinvestment Investment Plan.<\/strong><\/p>\n

The Coinvestment <\/a>investment plan has a few wrinkles that make it a little bit difficult to analyze.\u00a0 First of all, it pays interest on an hourly basis rather than daily and, second, it is a \u201cperpetual\u201d plan.\u00a0 Concerning the first issue, we will simply work with the equivalent daily rate of 3.6% that the plan pays.\u00a0 Concerning the fact that it is a \u201cperpetual\u201d plan, the best we can do is to assume different lifetimes for the program and take things from there.<\/p>\n

However, first, let\u2019s quickly check how long it will take for you to break even with this investment plan.\u00a0 This is very easy to determine.\u00a0 You simply divide 100% by the gross daily return that you receive.\u00a0 So, dividing 100% by 3.6%, we find that the plan breaks even in 28 days — around a month. \u00a0This is a reasonable length of time in HYIP world.<\/p>\n

The next thing we determine when analyzing an investment plan is the average daily net interest (DNI) that you will earn from it.\u00a0 In the case of a \u201cperpetual\u201d plan, this is the tricky thing to determine as it depends on how long you will be receiving returns from the plan.\u00a0 Needless to say, the longer that you receive returns, the more profitable your investment becomes.\u00a0 The best that we can do in this case is to assume different lifetimes for the program and calculate the results for each situation.\u00a0 Let\u2019s work with four such lifetimes: 90 days, 180 days, 270 days, and 360 days.<\/p>\n

Assuming that the program survives for 90 days, the total gross interest that you will receive will be 90 times the daily gross interest of 3.6%.\u00a0 Doing the multiplication, you get 324%.\u00a0 Since this includes your investment, the total net interest that you will receive will be 224%.\u00a0 Dividing this by the assumed 90-day life of the investment plan, you get an average daily net interest (DNI) of 2.49%.\u00a0 If you do this same arithmetic for the other assumed lifetimes for the program, you get the following results:<\/p>\n

Days\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 DNI
\n90\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2.49%
\n180\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3.04%
\n270\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3.23%
\n360\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3.32%<\/p>\n

So, the longer the program survives, the more days there will be past the point breakeven point.\u00a0 This is when you\u00a0 earn \u201cpure profit.\u201d\u00a0 When you average this pure profit out over the entire length of the investment plan, you get the plan\u2019s DNI.\u00a0 In the case of a \u201cperpetual\u201d investment plan, the longer the plan survives, the more days of pure profit there will be.\u00a0 So, averaging this profit out over the increasing lifetime of the investment plan, DNI will also increase.\u00a0 I hope this make sense.\u00a0 If the program survived for a very long time, the DNI would gradually approach the gross daily interest of 3.6%; it can never get higher than that.<\/p>\n

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

This is a lucrative investment plan.\u00a0 After 90 days, DNI has risen to around 2.5%.\u00a0 Multiplying by seven, that\u2019s equivalent to 17.5% profit per week.\u00a0 After 180 days — a half year — it climbs to 21%.\u00a0 In the article in HYIP Insights #23<\/em><\/a>, we suggested aiming at weekly profits of between 5% and 15%, the implication being that investment plans promising much more than this might be high risk ventures.\u00a0 Of course, this is only our opinion.\u00a0 Truly anything can happen in the HYIP business and we certainly hope that Coinvestment <\/a>will be with us for a long time to come in spite of the fact that it offers these very attractive returns.<\/p>\n

I must mention that there is another risky factor about ALL \u201cperpetual\u201d investment plans.\u00a0 Since they never end, the program never obtains relief from its obligation to make interest payments to its investors.\u00a0 The typical program will have constant turnover with investment plans ending along with an end to the obligation to make interest payments associated with the plans that end.\u00a0 Again, we hope that Coinvestment<\/a> has taken this factor into account when it designed its very lucrative investment plan.<\/p>\n

A plus for this investment plan is that it breaks even in only a month.\u00a0 This is far superior to plans that can take many months to do so.\u00a0 In the HYIP game, where anything can happen, the investor doesn\u2019t want to have to wait a long long time to recover his investment.\u00a0 Another plus for this type of investment plan is that, since you receive returns on a daily basis, the portion of your investment that is at risk decreases every day.\u00a0 With a breakeven point of only 28 days, you will have recovered half your investment in two weeks.\u00a0 So, the level of risk isn\u2019t as bad as it could be.<\/p>\n

Earnings Example.<\/strong><\/p>\n

As an example, suppose that you invest $100 in the Coinvestment <\/a>investment plan.\u00a0 You will receive 0.15% of this (or $.15) per hour for a total of $3.60 each 24-hour period.\u00a0 Forever. \u00a0It\u2019s as simple as that!\u00a0 You can see that, after 28 days, you will have made a total of $100.80 which is when you break even.<\/p>\n

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

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

Coinvestment <\/a>offers a single \u201cperpetual\u201d investment plan that pays the equivalent of 3.6% interest per day.\u00a0 It is a lucrative investment plan that might be at risk of early closure.\u00a0 However, assuming that the plan was well thought out and that it is wisely managed, it might be possible for the program to survive well into the future.\u00a0 Perpetual investment plans, especially lucrative ones such as this, are probably most suited to the adventuresome investor.\u00a0 They are probably not the \u201ccup of tea\u201d that the conservative investor is looking for.<\/p>\n

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This program moved to CLOSED! Do not invest there! The Coinvestment Investment Plan. In our \u201cFirst Thoughts\u201d article about Coinvestment (that you can read here), we summarized their investment plan in the following way: Coinvestment\u00a0offers … Coinvestment – Review<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":6096,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[2070,2087,2077,2075,2076,2078,2082,2081,2079,2080,2084,2088,2083],"class_list":["post-6100","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-coinvestment","tag-coinvestment-bitcoin","tag-coinvestment-info","tag-coinvestment-investment-plan","tag-coinvestment-investment-program","tag-coinvestment-news","tag-coinvestment-review","tag-coinvestment-scam-or-paying","tag-coinvestment-update","tag-coinvestment-updates","tag-coinvestment-biz","tag-crypto-invest","tag-httpscoinvestment-bizrefemilynews","exalt-entry"],"yoast_head":"\nCoinvestment - 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=6100\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Coinvestment - Review - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"This program moved to CLOSED! Do not invest there! The Coinvestment Investment Plan. 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