{"id":870,"date":"2017-05-05T02:19:53","date_gmt":"2017-05-05T02:19:53","guid":{"rendered":"http:\/\/emilynews.com\/blog\/?p=870"},"modified":"2017-08-11T09:44:19","modified_gmt":"2017-08-11T09:44:19","slug":"aurumbank-review-part-1","status":"publish","type":"post","link":"https:\/\/emilynews.com\/blog\/?p=870","title":{"rendered":"AurumBank — Review, Part 1"},"content":{"rendered":"

Based in the UK, AurumBank <\/a>is a global investment company offering its services in many different parts of the world.\u00a0 Their areas of expertise include \u201cforeign exchange trading operations in the stock, currency and cryptocurrency exchanges. At the same time, the company is developing a promising area of business \u2013 investment and concessionary participation in development of gold deposits in some African countries.\u201d<\/p>\n

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

As a HYIP, the AurumBank <\/a>just celebrated its second anniversary online.\u00a0 However, it has kept a low profile for quite a while.\u00a0 Finally, it now appears that AurumBank <\/a>is actively marketing its investment plans and is poised to play a leadership role as an investment vehicle for folks throughout the world seeking a source of passive income.<\/p>\n

AurumBank <\/a>offers a total of 25 investment plans.\u00a0 There is truly something for everyone.\u00a0 The plans are divided into five categories, each containing five plans.\u00a0 In the website, if the user clicks on a specific plan, its details are given in a pop-up window.\u00a0 The details are unusually complete.\u00a0 There is very little a person might want to know after reviewing a plan\u2019s details.\u00a0 In addition, there is a calculator that can be used to predict the return for any amount of deposit in any of the 25 plans.\u00a0 Again, it is a very thorough presentation.\u00a0 Following is a description of the five investment plan categories as they appear in the website.\u00a0 We will examine the details of some of the plans in each category shortly.<\/p>\n

\n

Stable<\/h3>\n

A simple and affordable way to increase your wealth by investing a small sum of money. Profit is calculated on weekdays and reinvested to increase your principal deposit and the overall profit. Profits and principal deposit are paid out at the end of the investment period.<\/p>\n

Classic<\/h3>\n

If you prefer to have unrestricted access to your profits, CLASSIC plans are a good choice for you. Profits are paid out on weekdays and can be withdrawn. The basic deposit is paid at the end of the investment period.<\/p>\n

Prestige<\/h3>\n

It provides an excellent opportunity for accumulation of funds. This plan enables you to multiply your funds and at the end of the investment period receive your start-up capital or invested amount to implement your bold ideas. Your profits and principal deposit are paid out at the end of the investment period.<\/p>\n

Premium<\/h3>\n

Opens a wide perspective for capital strengthening and provides an opportunity to generate maximum profit within minimum timeframe. This is a unique and a very good offer for people who value their time and who have made it in the business world. Profit is calculated on weekdays and paid out at the same time with the principal deposit at the end of the investment period.<\/p>\n

Partner<\/h3>\n

An ideal solution from the Company\u2019s founders for permanent and loyal clients. It\u2019s an excellent choice for those wishing to maximize their profits within the shortest possible time. Profit is calculated on weekdays and paid out at the same time with the principal deposit at the end of the investment period.<\/p><\/blockquote>\n

Now let\u2019s discuss the details of some of the plans in each category.\u00a0 In each case, I will first repeat the details given in the website.\u00a0 Next will be the discussion.<\/p>\n

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

Stable Plan #1<\/p>\n

3% daily for 110 trading days <\/strong><\/p>\n

    \n
  1. Minimum amount: 750 and more<\/li>\n
  2. Accruals: Mon-Fri<\/li>\n
  3. Plan duration, trading days\/calendar days: 110\/154<\/li>\n
  4. Profit Payout at the end of the investment period: Yes<\/li>\n
  5. Return of principal deposit at the end of the investment period: Yes<\/li>\n
  6. 100% profit plowback: Yes<\/li>\n
  7. 115% insurance of principal deposit: Yes<\/li>\n
  8. Referral commission: 10.00%<\/li>\n<\/ol>\n

    The minimum deposit for his plan is rather high — $950.\u00a0 However, it might be doable for a few serious investors.\u00a0 So, let\u2019s continue.\u00a0 This is a fairly long term plan — 110 working days or 154 calendar days.\u00a0 That\u2019s around five months.\u00a0 As is true of all plans in this category, you cannot withdraw your interest earnings or your principal until the end of the investment term.\u00a0 In addition, your daily earnings are compounded (plowed back) 100% to add to your principal every day.\u00a0 At 3% daily interest rate, it is easy to see that this could result in a very significant profit.\u00a0 As a numerical example, I used the online calculator to calculate the return for a deposit of $1,000.\u00a0 The result was an astounding $25,828.\u00a0 I couldn\u2019t believe this.\u00a0 So, I did a little spreadsheet calculation and, low and behold, within a few dollars, I checked this.\u00a0 Although the possibility of having a $1,000 deposit turn into $25,000 five months later is a very nice idea, one has to worry about the sustainability of the program.\u00a0 Is this really possible?\u00a0 The investor will surely be in suspense as the weeks roll by.<\/p>\n

    The remaining four investment plans in this category all have a minimum investment of $40,000 or more.\u00a0 I don\u2019t think that there will be any investors in this price range.\u00a0 If, perchance, you are such a person, I would recommend that you make use of the online calculator.\u00a0 And brace yourself for some more astounding numbers.\u00a0 For example, the minimum investment of $40,000 in the second plan has a return of $744,714.\u00a0 That\u2019s almost three quarters of a million dollars!<\/p>\n

    Classic Plan #1<\/p>\n

    0.8% daily for 260 trading days<\/strong><\/p>\n

      \n
    1. Minimum amount: 10 and more<\/li>\n
    2. Accruals: Mon-Fri<\/li>\n
    3. Plan duration, trading days\/calendar days: 260\/365<\/li>\n
    4. Profit Payout at the end of the investment period: No<\/li>\n
    5. Return of principal deposit at the end of the investment period: Yes<\/li>\n
    6. 0-100% profit plowback: Yes<\/li>\n
    7. 100% insurance of principal deposit: Yes<\/li>\n
    8. Referral commission: 0.50%<\/li>\n<\/ol>\n

      This plan only has a minimum deposit of $10.\u00a0 So, it would likely be the most popular investment plan for the typical HYIP investor.\u00a0 In this plan, you can withdraw your interest earnings every day.\u00a0 As an example, if you invest $100, your daily interest would be $0.80.\u00a0 After 260 work days (or 365 calendar days — a year), you would have earned $208 in pure (net) profit.\u00a0 In addition, you would get your principal back for a total return of $308.\u00a0 If, instead of withdrawing your money every day, you let it compound and waited till the end of the year to withdraw everything, your total return would be $793.\u00a0 But, a year is a long time to wait for a return from a HYIP.\u00a0 This category of investment plan will most likely be used by people that would like to receive interest earnings every day.<\/p>\n

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

      Classic Plan #2<\/p>\n

      1.1% daily for 110 trading days<\/strong><\/p>\n

        \n
      1. Minimum amount: 350 and more<\/li>\n
      2. Accruals: Mon-Fri<\/li>\n
      3. Plan duration, trading days\/calendar days: 110\/154<\/li>\n
      4. Profit Payout at the end of the investment period: No<\/li>\n
      5. Return of principal deposit at the end of the investment period: Yes<\/li>\n
      6. 0-100% profit plowback: Yes<\/li>\n
      7. 100% insurance of principal deposit: Yes<\/li>\n
      8. Referral commission: 0.50%<\/li>\n<\/ol>\n

        The minimum investment for this plan is $350.\u00a0 So, it will be doable for a significant number of HYIP investors.\u00a0 This plan has a slightly higher interest rate that the first one but the term is shorter.\u00a0 For a deposit of $1,000. the daily interest earnings would be $11.\u00a0 So, assuming that\u00a0 you withdraw your interest earnings as soon as they are available, you would break even in 91 (1,000\/11) trading days, close to the end of the investment term.\u00a0 Your total net interest earnings would be $1,210 (11 x 110).\u00a0 In addition to that your initial deposit of $1,000 would be returned to you at the end of the investment term.\u00a0 You can use the calculator to work out additional investment scenarios.<\/p>\n

        Classic Plans #1 and #2 are fairly typical HYIP investment plans.\u00a0 They feature conservative interest rates that are only paid on work days.\u00a0 They could be very sustainable programs in the long run.<\/p>\n

        The remaining three plans in this category have minimum investments of $50,000 or higher.\u00a0 As was true of the last four plans of the previous category, they will probably be out of the reach of HYIP investors.<\/p>\n

        Prestige Plan #1<\/p>\n

        6500% after 110 trading days<\/strong><\/p>\n

          \n
        1. Minimum amount: 850 and more<\/li>\n
        2. Accruals: Mon-Sun<\/li>\n
        3. Number of accruals: 1<\/li>\n
        4. Plan duration, trading days\/calendar days: 110\/154<\/li>\n
        5. Profit Payout at the end of the investment period: Yes<\/li>\n
        6. Return of principal deposit at the end of the investment period: No<\/li>\n
        7. 0-100% profit plowback: No<\/li>\n
        8. 125% insurance of principal deposit: Yes<\/li>\n
        9. Referral commission: 14.00%<\/li>\n<\/ol>\n

          This plan is a one shot deal.\u00a0 You receive a set percentage at the end of the investment term.\u00a0 Your principal is included in your earnings.\u00a0 For this plan you receive 6,500 percent after 110 working days (or 154 calendar days).\u00a0 That\u2019s around five months.\u00a0 This is the same as Stable Plan #1.\u00a0 So, if I invest $1,000 in this program, I will get $65,000 five months later!\u00a0 This is even more radical than the Stable Plan #1 above where $1,000 yielded over $25,000 five months later.\u00a0 I don\u2019t see how this can possibly be sustainable.\u00a0 But, wouldn\u2019t it be nice if somehow AurumBank <\/a>can make this happen.<\/p>\n

          The remaining four plans in this category all require $40,000 or more as the minimum deposit.\u00a0 Again, I won\u2019t discuss them as this amount will be beyond the reach of just about all HYIP investors.\u00a0 If, perchance, one of these programs is of interest to you, the website description of all the plans is excellent and there is a calculator that will tell you exactly how much your earnings will be.<\/p>\n

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

          Premium Plan #1<\/p>\n

          7% daily for 110 trading days <\/strong><\/p>\n

            \n
          1. Minimum amount: 950 and more<\/li>\n
          2. Accruals: Mon-Fri<\/li>\n
          3. Plan duration, trading days\/calendar days: 110\/154<\/li>\n
          4. Profit Payout at the end of the investment period: Yes<\/li>\n
          5. Return of principal deposit at the end of the investment period: Yes<\/li>\n
          6. 100% profit plowback: Yes<\/li>\n
          7. 150% insurance of principal deposit: Yes<\/li>\n
          8. Referral commission: 15.00%<\/li>\n<\/ol>\n

            I don\u2019t see any difference between this plan and Stable Plan #1 except that the interest for this plan is 7% per day and for the Stable plan it is 3% per day.\u00a0 So, again let\u2019s assume an investment of $1,000 and use 100% compounding.\u00a0 By the way, in a program where you cannot make withdrawals during the investment term and where your principal is returned to you at the end of the term, it is ALWAYS wise to use 100% compounding to grow your principal to the maximum amount.\u00a0 Using the online calculator and 100% compounding, the total return at the end of the five month investment term will be (Brace yourself!!!) $1,706,929!\u00a0 If you thought some of the other earning projections were high, this one is off the chart.\u00a0 One thousand dollars turning into almost two million dollars after five months!\u00a0 I don\u2019t see how this can be possible!<\/p>\n

            The remaining four plans in this category again require a very high starting investment.\u00a0 So, I will not discuss them further.<\/p>\n

            Likewise all five of the Partner plans require at least $60,000 for a minimum investment.\u00a0 So, I will not discuss them either.<\/p>\n

            Having made these income projections, it is interesting to compare the returns for Plan #1 for the Stable, Prestige, and Premium categories.\u00a0 All three of them only provide returns at the end of the investment period which is the same for all of them — around five months.\u00a0 Here are the returns:<\/p>\n

            Stable — $25,828
            \nPrestige — $65,000
            \nPremium — $1,706,929<\/p>\n

            Here are a few observations:<\/p>\n

            In all three cases, the returns are extremely high.\u00a0 As I already indicated, for the Premium plan, the return is off the chart.\u00a0 It just seems too high to have even a remote chance of being obtainable.<\/p>\n

            Since the three plans all involve the same investment amount and the same investment term, one wonders why there is a need for the Stable and Prestige plans.\u00a0 Anyone who does his homework will opt for the Premium plan (unless he decides that he might get nothing because the predicted amount is impossibly high).<\/p>\n

            There is a bit more to say about this program.\u00a0 However, this review is much too long already; it will be continued in Part 2 which will follow in a number of days.\u00a0 In the way of a summary, the presentation of the investment plans by AurumBank <\/a>is superb.\u00a0 The details of every plan are perfectly clear and the calculators put into numbers what the narrative details say in words.\u00a0\u00a0 In many other HYIP presentations the reader has to struggle to figure out how an investment plan works — especially if it is a little out of the ordinary.<\/p>\n

            This said, it appears that the AurumBank program could be greatly simplified by cutting back on the number of categories of investment plans that are offered and by eliminating plans with minimum investment amounts that are beyond the reach of even the wealthiest of investors; many of the plans have such high minimum investments that it seems almost silly to list them.\u00a0 Finally, in the interest of making the program sustainable in the long run, the Admin might want to reconsider the advisability of offering interest rates that lead to unrealistic returns.<\/p>\n

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

            In closing, I suspect that the Classic investment plans will be the favorites of online investors, primarily because of the possibility of receiving a daily return.\u00a0 If you do decide to invest in AurumBank<\/a>, our advice, as always, is to make this investment part of a diversified portfolio.\u00a0 And, remember, investing in any HYIP is risky business.\u00a0 So, never invest more than you can afford to lose.\u00a0 Good Luck!<\/p>\n

            *********************<\/p>\n

            To the Admin: We always welcome comments on our reviews \u2014 pro or con \u2014 and we will be happy to publish them in the Emily News<\/em> blog.<\/p>\n

            *********************<\/p>\n

            Please don\u2019t forget that you can post your screenshots of payment, scam, or other proofs related to a program by clicking on the \u201cDetails\u201d button in the Emily News<\/em> monitor.\u00a0 Also, don\u2019t forget that you can add your referral link when you post your proofs — another way to build your downline.<\/p>\n

            *********************<\/p>\n

            If you like this review, please share it by using the social media buttons below.<\/p>\n","protected":false},"excerpt":{"rendered":"

            Based in the UK, AurumBank is a global investment company offering its services in many different parts of the world.\u00a0 Their areas of expertise include \u201cforeign exchange trading operations in the stock, currency and cryptocurrency … AurumBank — Review, Part 1<\/span>Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":878,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[83,84,59,10,68,78,73,5,21,61,18,63],"class_list":["post-870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-aurumbank","tag-aurumbank-scam-or-paying","tag-honest-hyip-review","tag-hyip","tag-hyip-investment","tag-hyip-investment-plan","tag-hyip-investment-program","tag-hyip-review","tag-investment-plan-review","tag-investment-plans","tag-investment-program-review","tag-investment-programs","exalt-entry"],"yoast_head":"\nAurumBank - Review, Part 1 - 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=870\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"AurumBank - Review, Part 1 : Different HYIP investment blog. 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