HYIP which stands for High Yield Investment Program is just what it sounds like, is a type of investment program that yields high return rates ranging from 5% to as much as 250% per month. HYIPs are offering probably the most profitable investments available today, much more than any bank or investment fund. HYIPs claims that they can provide high interest rates by utilized your invested amount in forex, offshore trading, stock exchanges, soccer betting, commodities, etc. Some of them even work out the invested amount in other HYIPs and share the profit with you.
HYIPs can be divided to on-line and off-line investments. Off-line HYIPs are usually not available for common investors, their minimum of deposit is about $100k and more. Therefore, we will direct our interest to online-based investment opportunities. Investors invest in these online-based HYIPs via their websites using e-Currency, such as Liberty Reserve, Perfect Money, Alertpay, etc. The interest will be paid on daily, weekly, bi-weekly, monthly or yearly basis depend on their investment plan into your e-currency account.
Since you don’t have to do any kind of activity to gain the interest, investing in HYIP means a passive income source where you just sit back and waiting the money coming to you. However, this passive income system is associated with a huge range of risks, because most of these HYIPs are short-lived and are just Ponzi schemes. These schemes appear very attractive due to their promise of high interests. Ponzi schemes do not have revenues because the money collected from investors was not really invested. Note that if you invested in these Ponzi schemes there is no way to get back your money once you are scammed. Although this kind of investment is quite risky HYIP programs are getting more participants by the day and every so often another HYIP program is launched. Many investors have succeeded earning fortunes virtually overnight because an experienced HYIP investor can easily spot out bad scam HYIPs. Besides, good HYIPs also exist and may live long enough (for years), those people who began dealing with them from the beginning make huge profits.
Let’s consider an imaginary HYIP that offering the investment plan below:
- Interest: 1.3% daily for 30 days
- Min deposit: $10
- Max deposit: $10000
- Compounding: Available
- Principle return: Yes
- Referral bonus: 3%
- Withdrawal: Automatic
- Payment methods: Liberty Reserve & Perfect Money
Let’s say you have invest $100 in this plan, then this particular HYIP will pay you 1.3$ daily for 30 days. In other words, you will be paid total 39$ (net profit) and your 100$ principle return to you once your investment matured. If you choose to compound all the paid interests (reinvest), then you will be paid 147.33$ at the end of the investment term (net profit: $47.33). (Note: You can always use the HYIP calculator to calculate the profit for any investment plan) The minimum and maximum deposit that can be made is $10 and $10000 respectively. The withdrawal system of this HYIP is fully automatic, thus the daily payment is made automatically into your e-Currency account. The e-Currencies accepted are Liberty Reserve and Perfect Money. Besides, you can earn extra profit in the referral system, if somebody invests in this HYIP by following your unique referral URL then you will be given referral commission of 3% calculated on the amount invested by this new member.
Investment is always invariably associated with risks, HYIPs are not exemptions. There are new programs opening everyday but most of them are short-lived and are just Ponzi schemes. The lifespan of HYIP scam/ Ponzi is depending on how long the program is able to seek for new deposits. The moment new deposits stops, the program gone. Therefore your investment is quite vulnerable to getting scammed! However, HYIP can prove to be profitable if invest in it wisely. But be very careful if you’re interested in this type of investing opportunity since it can also lead to big losses. If you are really serious in being involved in a HYIP, you must always be ready to suffer a scam attack and that’s why you are always being advised to not invest more than you cannot afford to lose. Note that you cannot either complain your e-Currency authorities or suit the HYIP owner because your lawyer would charge you more than your invested amount. As a conclusion, investing in HYIP is actually like gambling! You are most likely a gambler instead of a investor. The difference is that if you invest wisely then your chances to profit would be higher.