New HYIP Investing Strategy.

jambutty

Geriatric Moderator
#1
Over the years my previous “Investment Strategies” have changed to reflect today’s HYIP industry. Thus the threads - HYIP Investing Strategy. Part I at http://goldentalk.com/t5214.html and HYIP Investing Strategy. Part II at http://goldentalk.com/t5327.html are out of date and have been closed.

The basics are still the same in that an HYIP can fold at any time without warning, although there MIGHT be signs of all not being well prior to the disappearing act.

The signs are, but in no particular order of importance:
The introduction of a special new plan with a higher interest rate and/or minimum deposit than the other plans, accompanied by a closing date (usually at the end of the month or 30 days hence) after which new deposits will not be taken. I take it as a sign that admin is seeking new deposits before doing a bunk, especially if the closing date is extended.
A change to the existing plans.
A change to the payout terms.
Selective payments of small amounts only.
No more instant payments if instant payments were the norm.
Withdrawal requests being put back into account balance.
Your History in the HYIP shows a payment as being made but does not include the “Transaction Number” if it normally does so.
Site down with claims of DDoS attacks. We have no way of knowing if the claims are true.

The bottom line is still that it is a gamble on whether you make a loss or a profit.

Once you have made a deposit into an HYIP there is NOTHING THAT YOU CAN DO except carry on withdrawing if you can and hope that you get to at least your break-even point before the programme folds. No amount of posting and voting what a scum bag the admin is will alter the situation. But don’t let that stop you from venting your wrath.

So before spending any money do a few checks first.

But before you do think on this.
As a general rule, although not cast in stone, an HYIP offering up to about 5% per day and not returning the principle is probably OK. Any programme offering higher terms is going to be dodgy.
An HYIP offering up to about 2.5% per day and returning the principle is probably OK. Any programme offering higher terms is going to be dodgy.

Work out the break-even point. The break-even point is determined by dividing the daily interest rate into 100. This will give you the number of days be they calendar days or business days. Learn to differentiate between the two. 50 business days is 10 weeks (70 calendar days) and could be even longer if bank/public holidays are included in the 50 days. Take into account that your country’s bank/public holidays may not be the same as the HYIP admin’s. Also take into account that because of the different world time zones, your Wednesday could be admin’s Tuesday or Thursday. So you could find that an HYIP that pays 5/7, its Monday to Friday becomes your Tuesday to Saturday or in a different part of the world it becomes your Sunday to Thursday. Confusing isn’t it?

You then have to decide if YOU think that the HYIP is likely to last to at least your break-even point and hopefully beyond.

You do that by doing a “Whois” check at http://whois.domaintools.com/ to find out the expiry date of the domain registration to ensure that there is enough time left for your chosen plan to reach its end. There is little point in joining a 150 business days (210 calendar days – 30 weeks) plan if the domain registration expires well before the plan does. Admin may well extend the registration but that is unlikely to happen until a few days before the registration expires. However having a domain registered for a certain period of time is no guarantee that the programme will last that long and neither is an extension. In general, if my break-even point plus 30 days comes before the domain expiry I will join if all other factors are favourable, in the hope that admin will extend the domain registry when the time comes.

Read the HYIP FAQ’s and Terms and any other details on the web site, particularly those pertaining to the payout terms. If an HYIP does not return the principle and offers compounding DO NOT GO FOR COMPOUNDING. All your daily earnings become your principle and that is not returned. The odd HYIP has been known to only allow one change from the default compounding figure. Be warned, be wary, be wise.

Test the Contact Admin facility. A slow or no response should have you backing away.

Check with GoldPoll at http://www.goldpoll.com/ to see if GP monitors your chosen HYIP. If GP doesn’t monitor it proceed with caution.

Check this forum to see if there is a thread about your chosen HYIP in the “HYIP – High Yield Investment Programs” at http://goldentalk.com/f4.html, the “I Have Been Paid By…” at http://goldentalk.com/f72.html and “Program Scam Warnings” at http://goldentalk.com/f5.html forums and read them. You could also check other HYIP forums like TalkGold.

Having settled on your choice of HYIP the next question is how much to deposit.

Some people favour a ‘test spend’ of the minimum allowed or of a small amount. OK so you are not likely to lose a lot with such a tactic but you won’t earn much either. Worse still, is if your ‘test spend’ gets you to the end of the plan unscathed there is no guarantee that a much larger subsequent deposit will be successful. Indeed there is a better than even chance that it won’t.

I prefer my initial deposit to be large enough so that if the plan comes to term successfully the clear profit will be higher than the minimum allowed. You can then re-cycle some of that clear profit safe in the knowledge that you haven’t lost and from then on you are making more money until the inevitable end.

For example – an HYIP offers 1.8% per day for 100 days with a minimum of $20, principle not returned. That $20 will earn you $16 clear profit after 100 days, which isn’t enough to re-cycle. A $30 deposit will earn a clear profit of $24 after 100 days so you can re-cycle $20 and still have a clear profit of $4.

And now for the $64,000 question. When to join and make a deposit? If only playing the HYIP game was that simple. Well your guess is as good as mine and anyone else’s. All the experience in the world will not tell you when.

Some people will try to quote statistical evidence that the ideal time to join an HYIP and make a spend is when the programme has been running for a few weeks but not later than when it has been running a few months. Sadly that is a pseudo statistic that just doesn’t compute. We don’t know what is in admin’s mind until after the programme disappears.

You have to decide when to join for yourself. After all it is your money and thus your gamble.

Finally – if you remember nothing else then remember this:
If it sounds too good to be true, then it probably is.
Do not spend just because you have some spare cash in your payment processor account.
Spend in haste, repent at leisure.
Do not spend more than you are prepared to lose.
Do not get greedy. The road to poverty is littered with greedy punters.
Don’t put all your money into one HYIP.
Withdraw daily to minimise potential losses.
Do not compound until after you have passed your break-even point. Your priority should be to get back an amount that is equivalent to your deposit as quickly as possible and the only way to do that is to withdraw daily. There is one exception. If the plan term is less than about 45 days, the principle is returned and all other factors suggest that a deposit is warranted, it might sometimes be beneficial to set 100% compounding for the full term. Up to 45 days is usually less than the break-even time so you could earn more than by withdrawing daily.
Avoid programmes that pay hourly.
Past performance is no guarantee of future payments. Just an indication that it might.
There are no certainties in the HYIP world except possibly that sooner or later a programme will fold. There are only probabilities.
For every winner there are several losers. That also applies to life in general in the markets, gaming, lotteries etc.
Lastly be satisfied with what you’ve got. Don’t go chasing dreams for they will likely as not end up as nightmares.

Good luck!
 
Last edited:
#3
Fantastic post Jim :beer:
I hope you will add this one to your welcome post to newbies....Everyone can learn from this post..
There is so much great information here....


.
jambutty said:
Over the years my previous “Investment Strategies” have changed to reflect today’s HYIP industry. Thus the threads - HYIP Investing Strategy. Part I at http://goldentalk.com/t5214.html and HYIP Investing Strategy. Part II at http://goldentalk.com/t5327.html are out of date and have been closed.

The basics are still the same in that an HYIP can fold at any time without warning, although there MIGHT be signs of all not being well prior to the disappearing act.

The signs are, but in no particular order of importance:
The introduction of a special new plan with a higher interest rate and/or minimum deposit than the other plans, accompanied by a closing date (usually at the end of the month or 30 days hence) after which new deposits will not be taken. I take it as a sign that admin is seeking new deposits before doing a bunk, especially if the closing date is extended.
A change to the existing plans.
A change to the payout terms.
Selective payments of small amounts only.
No more instant payments if instant payments were the norm.
Withdrawal requests being put back into account balance.
Your History in the HYIP shows a payment as being made but does not include the “Transaction Number” if it normally does so.
Site down with claims of DDoS attacks. We have no way of knowing if the claims are true.

The bottom line is still that it is a gamble on whether you make a loss or a profit.

Once you have made a deposit into an HYIP there is NOTHING THAT YOU CAN DO except carry on withdrawing if you can and hope that you get to at least your break-even point before the programme folds. No amount of posting and voting what a scum bag the admin is will alter the situation. But don’t let that stop you from venting your wrath.

So before spending any money do a few checks first.

But before you do think on this.
As a general rule, although not cast in stone, an HYIP offering up to about 5% per day and not returning the principle is probably OK. Any programme offering higher terms is going to be dodgy.
An HYIP offering up to about 2.5% per day and returning the principle is probably OK. Any programme offering higher terms is going to be dodgy.

Work out the break-even point. The break-even point is determined by dividing the daily interest rate into 100. This will give you the number of days be they calendar days or business days. Learn to differentiate between the two. 50 business days is 10 weeks (70 calendar days) and could be even longer if bank/public holidays are included in the 50 days. Take into account that your country’s bank/public holidays may not be the same as the HYIP admin’s. Also take into account that because of the different world time zones, your Wednesday could be admin’s Tuesday or Thursday. So you could find that an HYIP that pays 5/7, its Monday to Friday becomes your Tuesday to Saturday or in a different part of the world it becomes your Sunday to Thursday. Confusing isn’t it?

You then have to decide if YOU think that the HYIP is likely to last to at least your break-even point and hopefully beyond.

You do that by doing a “Whois” check at http://whois.domaintools.com/ to find out the expiry date of the domain registration to ensure that there is enough time left for your chosen plan to reach its end. There is little point in joining a 150 business days (210 calendar days – 30 weeks) plan if the domain registration expires well before the plan does. Admin may well extend the registration but that is unlikely to happen until a few days before the registration expires. However having a domain registered for a certain period of time is no guarantee that the programme will last that long and neither is an extension. In general, if my break-even point plus 30 days comes before the domain expiry I will join if all other factors are favourable, in the hope that admin will extend the domain registry when the time comes.

Read the HYIP FAQ’s and Terms and any other details on the web site, particularly those pertaining to the payout terms. If an HYIP does not return the principle and offers compounding DO NOT GO FOR COMPOUNDING. All your daily earnings become your principle and that is not returned. The odd HYIP has been known to only allow one change from the default compounding figure. Be warned, be wary, be wise.

Test the Contact Admin facility. A slow or no response should have you backing away.

Check with GolfPoll at http://www.goldpoll.com/ to see if GP monitors your chosen HYIP. If GP doesn’t monitor it proceed with caution.

Check this forum to see if there is a thread about your chosen HYIP in the “HYIP – High Yield Investment Programs” at http://goldentalk.com/f4.html, the “I Have Been Paid By…” at http://goldentalk.com/f72.html and “Program Scam Warnings” at http://goldentalk.com/f5.html forums and read them. You could also check other HYIP forums like TalkGold.

Having settled on your choice of HYIP the next question is how much to deposit.

Some people favour a ‘test spend’ of the minimum allowed or of a small amount. OK so you are not likely to lose a lot with such a tactic but you won’t earn much either. Worse still, is if your ‘test spend’ gets you to the end of the plan unscathed there is no guarantee that a much larger subsequent deposit will be successful. Indeed there is a better than even chance that it won’t.

I prefer my initial deposit to be large enough so that if the plan comes to term successfully the clear profit will be higher than the minimum allowed. You can then re-cycle some of that clear profit safe in the knowledge that you haven’t lost and from then on you are making more money until the inevitable end.

For example – an HYIP offers 1.8% per day for 100 days with a minimum of $20, principle not returned. That $20 will earn you $16 clear profit after 100 days, which isn’t enough to re-cycle. A $30 deposit will earn a clear profit of $24 after 100 days so you can re-cycle $20 and still have a clear profit of $4.

And now for the $64,000 question. When to join and make a deposit? If only playing the HYIP game was that simple. Well your guess is as good as mine and anyone else’s. All the experience in the world will not tell you when.

Some people will try to quote statistical evidence that the ideal time to join an HYIP and make a spend is when the programme has been running for a few weeks but not later than when it has been running a few months. Sadly that is a pseudo statistic that just doesn’t compute. We don’t know what is in admin’s mind until after the programme disappears.

You have to decide when to join for yourself. After all it is your money and thus your gamble.

Finally – if you remember nothing else then remember this:
If it sounds too good to be true, then it probably is.
Do not spend just because you have some spare cash in your payment processor account.
Spend in haste, repent at leisure.
Do not spend more than you are prepared to lose.
Do not get greedy. The road to poverty is littered with greedy punters.
Don’t put all your money into one HYIP.
Withdraw daily to minimise potential losses.
Do not compound until after you have passed your break-even point. Your priority should be to get back an amount that is equivalent to your deposit as quickly as possible and the only way to do that is to withdraw daily. There is one exception. If the plan term is less than about 45 days, the principle is returned and all other factors suggest that a deposit is warranted, it might sometimes be beneficial to set 100% compounding for the full term. Up to 45 days is usually less than the break-even time so you could earn more than by withdrawing daily.
Avoid programmes that pay hourly.
Past performance is no guarantee of future payments. Just an indication that it might.
There are no certainties in the HYIP world except possibly that sooner or later a programme will fold. There are only probabilities.
For every winner there are several losers. That also applies to life in general in the markets, gaming, lotteries etc.
Lastly be satisfied with what you’ve got. Don’t go chasing dreams for they will likely as not end up as nightmares.

Good luck!
 
Last edited by a moderator:
#5
jambutty said:
Thanks Dave.

Just trying to point people in the right direction.

I’ve made a small addition.
If they are going to play anyways then at least by learning from you they won't be throwing their money at complete scams that never intended to pay out in the first place...

This way maybe their spends can be a 'gamble' rather than a 'donation'....
 

vbleble

Active Member
#8
hi jam, good thread. Yes I agree that the signs you suggested are some good clues to indicate a problem hyip. But sometimes some of the signs are not accurate.Just like GNI, it has some changes recently, but still it is going smoothly, so it's can only act as a reference only. Also there is one other problem, that is when you see the signs it's often too late for you to escape, only those who are the first to try to escape can succeed.
Thoe are just some comments I want to add, I think this post should also be read by all the newbies. Btw, I found a typo there, "Check with GoldPoll at http://www.goldpoll.com/ to see if GP monitors your chosen HYIP. If GP doesn’t monitor it proceed with caution."
 
#14
jambutty said:
Over the years my previous “Investment Strategies” have changed to reflect today’s HYIP industry. Thus the threads - HYIP Investing Strategy. Part I at http://goldentalk.com/t5214.html and HYIP Investing Strategy. Part II at http://goldentalk.com/t5327.html are out of date and have been closed.

The basics are still the same in that an HYIP can fold at any time without warning, although there MIGHT be signs of all not being well prior to the disappearing act.

The signs are, but in no particular order of importance:
The introduction of a special new plan with a higher interest rate and/or minimum deposit than the other plans, accompanied by a closing date (usually at the end of the month or 30 days hence) after which new deposits will not be taken. I take it as a sign that admin is seeking new deposits before doing a bunk, especially if the closing date is extended.
A change to the existing plans.
A change to the payout terms.
Selective payments of small amounts only.
No more instant payments if instant payments were the norm.
Withdrawal requests being put back into account balance.
Your History in the HYIP shows a payment as being made but does not include the “Transaction Number” if it normally does so.
Site down with claims of DDoS attacks. We have no way of knowing if the claims are true.

The bottom line is still that it is a gamble on whether you make a loss or a profit.

Once you have made a deposit into an HYIP there is NOTHING THAT YOU CAN DO except carry on withdrawing if you can and hope that you get to at least your break-even point before the programme folds. No amount of posting and voting what a scum bag the admin is will alter the situation. But don’t let that stop you from venting your wrath.

So before spending any money do a few checks first.

But before you do think on this.
As a general rule, although not cast in stone, an HYIP offering up to about 5% per day and not returning the principle is probably OK. Any programme offering higher terms is going to be dodgy.
An HYIP offering up to about 2.5% per day and returning the principle is probably OK. Any programme offering higher terms is going to be dodgy.

Work out the break-even point. The break-even point is determined by dividing the daily interest rate into 100. This will give you the number of days be they calendar days or business days. Learn to differentiate between the two. 50 business days is 10 weeks (70 calendar days) and could be even longer if bank/public holidays are included in the 50 days. Take into account that your country’s bank/public holidays may not be the same as the HYIP admin’s. Also take into account that because of the different world time zones, your Wednesday could be admin’s Tuesday or Thursday. So you could find that an HYIP that pays 5/7, its Monday to Friday becomes your Tuesday to Saturday or in a different part of the world it becomes your Sunday to Thursday. Confusing isn’t it?

You then have to decide if YOU think that the HYIP is likely to last to at least your break-even point and hopefully beyond.

You do that by doing a “Whois” check at http://whois.domaintools.com/ to find out the expiry date of the domain registration to ensure that there is enough time left for your chosen plan to reach its end. There is little point in joining a 150 business days (210 calendar days – 30 weeks) plan if the domain registration expires well before the plan does. Admin may well extend the registration but that is unlikely to happen until a few days before the registration expires. However having a domain registered for a certain period of time is no guarantee that the programme will last that long and neither is an extension. In general, if my break-even point plus 30 days comes before the domain expiry I will join if all other factors are favourable, in the hope that admin will extend the domain registry when the time comes.

Read the HYIP FAQ’s and Terms and any other details on the web site, particularly those pertaining to the payout terms. If an HYIP does not return the principle and offers compounding DO NOT GO FOR COMPOUNDING. All your daily earnings become your principle and that is not returned. The odd HYIP has been known to only allow one change from the default compounding figure. Be warned, be wary, be wise.

Test the Contact Admin facility. A slow or no response should have you backing away.

Check with GoldPoll at http://www.goldpoll.com/ to see if GP monitors your chosen HYIP. If GP doesn’t monitor it proceed with caution.

Check this forum to see if there is a thread about your chosen HYIP in the “HYIP – High Yield Investment Programs” at http://goldentalk.com/f4.html, the “I Have Been Paid By…” at http://goldentalk.com/f72.html and “Program Scam Warnings” at http://goldentalk.com/f5.html forums and read them. You could also check other HYIP forums like TalkGold.

Having settled on your choice of HYIP the next question is how much to deposit.

Some people favour a ‘test spend’ of the minimum allowed or of a small amount. OK so you are not likely to lose a lot with such a tactic but you won’t earn much either. Worse still, is if your ‘test spend’ gets you to the end of the plan unscathed there is no guarantee that a much larger subsequent deposit will be successful. Indeed there is a better than even chance that it won’t.

I prefer my initial deposit to be large enough so that if the plan comes to term successfully the clear profit will be higher than the minimum allowed. You can then re-cycle some of that clear profit safe in the knowledge that you haven’t lost and from then on you are making more money until the inevitable end.

For example – an HYIP offers 1.8% per day for 100 days with a minimum of $20, principle not returned. That $20 will earn you $16 clear profit after 100 days, which isn’t enough to re-cycle. A $30 deposit will earn a clear profit of $24 after 100 days so you can re-cycle $20 and still have a clear profit of $4.

And now for the $64,000 question. When to join and make a deposit? If only playing the HYIP game was that simple. Well your guess is as good as mine and anyone else’s. All the experience in the world will not tell you when.

Some people will try to quote statistical evidence that the ideal time to join an HYIP and make a spend is when the programme has been running for a few weeks but not later than when it has been running a few months. Sadly that is a pseudo statistic that just doesn’t compute. We don’t know what is in admin’s mind until after the programme disappears.

You have to decide when to join for yourself. After all it is your money and thus your gamble.

Finally – if you remember nothing else then remember this:
If it sounds too good to be true, then it probably is.
Do not spend just because you have some spare cash in your payment processor account.
Spend in haste, repent at leisure.
Do not spend more than you are prepared to lose.
Do not get greedy. The road to poverty is littered with greedy punters.
Don’t put all your money into one HYIP.
Withdraw daily to minimise potential losses.
Do not compound until after you have passed your break-even point. Your priority should be to get back an amount that is equivalent to your deposit as quickly as possible and the only way to do that is to withdraw daily. There is one exception. If the plan term is less than about 45 days, the principle is returned and all other factors suggest that a deposit is warranted, it might sometimes be beneficial to set 100% compounding for the full term. Up to 45 days is usually less than the break-even time so you could earn more than by withdrawing daily.
Avoid programmes that pay hourly.
Past performance is no guarantee of future payments. Just an indication that it might.
There are no certainties in the HYIP world except possibly that sooner or later a programme will fold. There are only probabilities.
For every winner there are several losers. That also applies to life in general in the markets, gaming, lotteries etc.
Lastly be satisfied with what you’ve got. Don’t go chasing dreams for they will likely as not end up as nightmares.

Good luck!

For those people who do not understand compound interest or do not know how to work it out try this link http://uk.geocities.com/cdmxrn@btinternet.com/compound-interest.xls

If you use Internet Explorer the workable spreadsheet will appear in your browser window but you won’t be able to save any changes to it.

If you use Firefox or Opera you get the option of downloading it to your computer or using it in your browser window. If you download it you will of course need to have Microsoft Excel installed on your computer to view it, although some other spreadsheets will accept Excel data.

Either way to find out how much interest a sum of money will earn either 100% compounded or not compounded over a period of time, all you have to do is input the principle amount, the % interest rate and the period (number of days). The result will be updated automatically.

A percentage compounded is much more complicated and so far I haven’t been able to work out a formula for the spreadsheet.

If you compound say 50%, half the first day’s interest is added to the principle and half is withdrawable. And that happens each day.

But to get a rough idea of what the earnings will be, instead of inputting the full amount of deposit put half in each line.
salute! nice thread!!
 
#16
jambutty i really appreciate you for that information. But there was a time i registered with some hyips, i go through their statistics and ratings they looks more attractive to me. Immediately i deposit my money into their site to invest, the next day i can't be able to log on their website, so that's what make me not to invest in hyips for so long. jambutty, your information have change my mind, now i'm willing to invest in hyips again.
 
#18
I am very happy to be able to get lots of guides on hyip investments. Well, all these hyip strategies are very useful. I will apply those hints in my hyip investments.
 
#20
This info is one in a million and it's what most internetpreneurs are marketing for a living and we ve got it here in a platter of gold. I advise we maximise this info to it's full potential.