Many people ask the question: which projects are the more profitable — HYIPs with principal (deposit) return or HYIPs without it, i.e. projects where the deposit is included in the payment? Let’s see what HYIPs with and without deposit return are, considering their pros and cons and trying to draw a conclusion, which plans are secure and which are the most profitable.
First, let’s consider what such plans are. For this I will give here a few plans options taken from real HYIP projects. So I immediately dispel the myth that newcomers sometimes believe in that “HYIPs without deposit return” are some sort of fraudulent projects that are not going to return your deposit and that they need to find “HYIPs with deposit return” for all to be good. In fact, this is not true and there are risks in both cases. The HYIP without deposit return is just such a kind of a HYIP where your deposit can be refunded, but gradually in the form of interest on payments.
There are also situations when the plan type is not specified and you have nothing to do but guess about the plan yield or apply to the project support.
Examples of plans for HYIPs with deposit return:
А1) 1.2% daily for 120 days, principal return
А2) 3% daily for 30 days, ргіnсіраl return
А3) 5% after 1 day, ргіnсіраl return
Examples of plans for HYIPs without deposit return:
В1) 2% daily for 120 days, ргіnсіраl included
В2) 6.5% daily for 30 days, ргіnсіраl included
В3) 105% after 1 day, ргіnсіраl included
These examples have specially selected plans with almost the same yield.
“Plan A1″ with ргіnсіраl return means that you will receive 1.2% of the profits daily during 120 days. And then the deposit will be refunded to your project account and you will be able to get it. It is easy to calculate what the net profit is in this case: 1.2 x 120 = 144% and additionally you will get your 100% back. Thus, your income (return) will make 244%.
“Plan B1″ without deposit return means that you will receive 2% profit daily during 120 days. And then the deposit will be nulled and for further participation in the project, you will need to make a new deposit. The calculation shows that for the same 120 days we will get 2×120% = 240% profit (return). So deposit was included in payments. So our net profit is 240% – 100% = 140%.
As you can see, we have approximately the same profit for the same period, and plan A1 is even slightly profitable. But this is only in theory, in reality, not every project can work up to the end of this period. And projects such as plans A1 often reach the end of the period, but then they bear a large burden on the simultaneous return of a large number of deposits, resulting in a high probability that the HYIP will work exactly 120 days and will close, not returning deposits.
Of course, in this case, you often have profit, receiving 144%, but the net profit will make only 44%. of course, only few people are satisfied with such profit after 120 days of standby.
Now let’s see what happens when both our projects are closed on the 60th working day. In the first case, you will have time to return 1.2х60 = 72%, i.e. your losses will be 100-72 = 28%.
In the second case, you will get back 2 х 60 = 120%, where 100% is your deposit. So, you get the net profit of 20%.
Thus, at first glance, plans with deposit return, as it seems to many newcomers, are more favorable in comparison with plans without deposit return. But now, in the midst of the crisis era in the HYIP industry, more attention should be paid namely to security, and to get back your deposit.
In any case, remember one of the investor’s golden rules – the diversification rule, or, in other words, “do not put all your eggs in one basket”. So you are able to recoup, even if we lose some money any time. Plans with deposit return are, as a rule, more profitable and may serve as ”baiting a trap” for some projects. but sometimes it is due to the plans with deposit return that you can significantly increase your revenue, the main thing is to rightly approach to the issue.
However you cannot be 100% sure that plans without deposit return are the safest. First of all a lot, of course, also depends on the project and its administrator. Only after a careful analysis of the project, you can make a final conclusion. HYIPs often happen to have both such plans. Then you can risk and make a deposit to the plan with deposit return. many projects also happen to offer fairly profitable plans without deposit return, but do not want to spend money on a good promotion and technical equipment. Such projects may be less secure than projects with deposit return. So, first of all, it is necessary to look at the project itself and a set of very different factors.