{"id":7373,"date":"2019-06-11T04:19:23","date_gmt":"2019-06-11T04:19:23","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=7373"},"modified":"2019-06-11T04:19:23","modified_gmt":"2019-06-11T04:19:23","slug":"crystalinvestment-review-part-2","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=7373","title":{"rendered":"CrystalInvestment – Review Part 2"},"content":{"rendered":"

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

Before beginning our discussion of the CrystalIinvestment<\/a> investment plans, let\u2019s repeat the basic information about them as well as what we found out about them in Part 1<\/a> of this review:<\/p>\n

Plan #1
\n5.4% daily for 26 calendar days
\n$10 – $1,000<\/p>\n

Plan #2
\n7% daily for 20 working days
\n$50 – $1,500<\/p>\n

Plan #3
\n8.2% daily for 15 working days
\n$100 – $25,000<\/p>\n

Plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 DNI\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Calendar days to break even<\/p>\n

#1\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.55%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 19 days
\n#2\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.43%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 20 days
\n#3\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1.10%\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 17 days<\/p>\n

First, let\u2019s enumerate a number of good points about this set of investment plans:<\/p>\n

    \n
  1. As already indicated in our \u201cFirst Thoughts\u201d article, they all return your investment as part of your earnings. This is the best TYPE of investment plan because the portion of your investment that is at risk decreases dramatically every day.<\/li>\n
  2. All of the investment plans are four weeks long or less. As far as online investment plans go, and given that so many of them close early nowadays, this is probably a sensible length for a plan.<\/li>\n
  3. All of the plans break even in less than three weeks. For the same reason as stated in item 2, this is probably also a good idea.<\/li>\n
  4. All of the investment plans have DNIs between 1% and 2%. This is probably a \u201csweet spot\u201d where profit is good but the risk of the program closing prematurely is minimal.\u00a0 Obviously, the higher the DNI, the greater the burden on a program to pay earnings that it might not be able to afford to sustain.\u00a0 This is discussed in detail in HYIP Insights #12<\/em><\/a>.<\/li>\n<\/ol>\n

    So, the program is on a fairly firm foundation.<\/p>\n

    In light of this, there are really no strongly bad points to make about the investment plans.\u00a0 However, there are some confusing points that should be mentioned.<\/p>\n

    But, before we get into that, we must point out that the calculator in the website appears to give incorrect results.\u00a0 The default setting is for a $100 investment in each of the investment plans.\u00a0 The total gross interest for each of the plans for this amount should be:<\/p>\n

    Plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gross interest<\/p>\n

    #1\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $140.40
    \n#2\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $140
    \n#3\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $123<\/p>\n

    The values for total gross interest given by the calculator are:<\/p>\n

    Plan\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gross interest<\/p>\n

    #1\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $160
    \n#2\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $200
    \n#3 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 $000<\/p>\n

    I think that the reason for this error is simply that the CrystalInvestment<\/a> website is not quite complete; it is still under development.\u00a0 It is probable that these errors will be straightened out in the near future. \u00a0You may even discover other small problems with the website.\u00a0 As far as the calculator is concerned, simply ignore it and do your own calculations (as we do here!).\u00a0 It wouldn\u2019t hurt to bring these (and any other website problems that you encounter) to the attention of the program administrator.\u00a0 That\u2019s what we have done in the process of making this review.<\/p>\n

    The confusion comes about when trying to determine which investment plan is the best one.\u00a0 First of all, since the minimum investments required are no higher than $100, let\u2019s conclude that this factor need not be considered when trying to decide what plan is best.\u00a0 Almost anyone that is serious about online investment can come up with $100.<\/p>\n

    Typically, among the investment plans that a program offers, the one with the highest DNI (the most profitable one) will have the highest minimum investment.\u00a0 Well, the OPPOSITE is the case with the CrystalInvestment<\/a> investment plans.\u00a0 Plan #1, with a DNI of 1.55%, has a LOWER minimum investment than Plan #3, with a DNI of only 1.10%.\u00a0 So, it would seem to make sense for the investor to choose Plan #1 (Plan #2 is in the middle somewhere).\u00a0 The disadvantage of Plan #1 is that it is five days longer than Plan #3 (26 days vs. 21 days).\u00a0 So, it is that much riskier.\u00a0 In this regard, Plan #2 is the longest at 28 days.<\/p>\n

    So, as is often the case with online investment, the decision of which investment plan to choose will probably boil down to the temperament of the investor.\u00a0 If a person feels confident that CrystalInvestment<\/a> will be around for 26 days, he would probably opt for Plan #1.\u00a0 If he is more conservative, he would probably opt for Plan #3.<\/p>\n

    I really don\u2019t see where Plan #2 fits into the picture.\u00a0 It is not as profitable as Plan #1 and it is also two days longer.\u00a0 So, there would appear that it has nothing special to offer to the online investor.\u00a0 The advantage of Plan #3 over Plan #1 is that it is five days shorter.<\/p>\n

    A minor note is that the maximum investment for Plan #1 is only $1,000.\u00a0 If a person is interested in investing more than that in this plan, he can simply make multiple investments of this amount.\u00a0 I didn’t specifically check this.\u00a0 However, it is standard operating procedure for most HYIPs.<\/p>\n

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

    Let\u2019s assume an investment of $100 in each of the investment plans and see what happens in each case.<\/p>\n

    Plan #1 would pay you 5.4% or $5.40 every day.\u00a0 You can see that, after 19 days, you would have earned $102.60 and would have broken even.\u00a0 When the plan ends, after 26 days, you would have earned a total of $140.40, for a net profit of $40.40.<\/p>\n

    Plan #2 would pay you 7% or $7.00 per working day.\u00a0 You can see that you will have earned $105 after 15 working days (20 calendar days) and will have broken even.\u00a0 By the time the plan ends, after 20 working days (28 calendar days), you will have earned a total of $140, for a net profit of $40.<\/p>\n

    Plan #3 would pay you 8.2% or $8.20 per working day.\u00a0 After 13 working days (17 calendar days), you will have earned $106.60 and you will have broken even.\u00a0 Finally, after 15 working days (21 calendar days), when the plan ends, you will have earned a total of $123, for a net profit of $23.<\/p>\n

    Comparing Plans #1 and #2, there would appear to be no advantage to using Plan #2; it takes longer to earn the same return.\u00a0 Comparing Plans #1 and #3, you can see that you earn 76% more with Plan #1 (40.4\/23 = 1.76), but it takes five days longer to do so.<\/p>\n

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

    CrystalInvestment<\/a> offers three investment plans that all pay a satisfactory return.\u00a0 And, with sensible management practices by the program administrators, the program would appear to have a good chance of long-term survival.\u00a0 Plan #2 does not appear have any advantage.\u00a0 The choice between Plan #1 and Plan #3 will probably depend on the temperament of the investor.<\/p>\n

    I hope this information is helpful.<\/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

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    Discussion. Before beginning our discussion of the CrystalIinvestment investment plans, let\u2019s repeat the basic information about them as well as what we found out about them in Part 1 of this review: Plan #1 5.4% … CrystalInvestment – Review Part 2<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":7402,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[2600,2609,2606,2607,2608,2614,2605,2610,2611,2613,2612],"class_list":["post-7373","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-crystalinvestment","tag-crystalinvestment-info","tag-crystalinvestment-investment-plan","tag-crystalinvestment-investment-program","tag-crystalinvestment-news","tag-crystalinvestment-review","tag-crystalinvestment-scam-or-paying","tag-crystalinvestment-update","tag-crystalinvestment-updates","tag-crystalinvestment-uk","tag-httpscrystalinvestment-ukrefemilynews","exalt-entry"],"yoast_head":"\nCrystalInvestment - 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=7373\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CrystalInvestment - Review Part 2 - EmilyNews\" \/>\n<meta property=\"og:description\" content=\"Discussion. 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