High Interest Rate HYIPs – Risk and Returns

Once in a while, some HYIP Administrators come up with this mouth watering offer of huge interest payout in their program. Of course, experience HYIP investors know very well to avoid real daily profit* over 4% daily. However, every now and then, a new HYIP with very well designed website template, original text, SSL encryption, DDOS protection, company registration, prompt online customer services/chat, and other trappings of a good HYIP, offers interest that look fairly ‘reasonable’ say 2.5% – 3.0% daily for 30, 45, 60, 90 days and beyond with or without principal returned.

This often presents a dilemma for most HYIP investors. The challenges here include the fact that the interest offered does not appear way over the roof when compared with those HYIPS with 4.0% real daily* profit and above.  The second challenge is that these HYIP sites may also passed some of the major criteria used in identifying good HYIPs. Under these circumstances, is it advisable to invest in such HYIPs?

While individual HYIP investors will generally have the final say on how they choose their HYIP, the best I can offer is to share my experience. It is instructive to say, I have earned profit with a HYIP that pays 2.5% real daily for 60 days with principal returned. However attempts at reaching similar milestone with HYIPs paying 2.8% and beyond daily for substantial number of days have been met with mixed successes.

My instinct at the moment is to avoid such HYIPs that offer a real daily profit of 2.8% and beyond. The lifespan of such HYIPs are generally less lower than those with lower interest, besides principal is mostly locked in for the duration of the investment, compounding only compounds the risk. If you are tempted to take the bait with such HYIPs, entry, principal recovery, and exit strategy must be diligently planned and adhered to. Again, never trust any HYIP; invest only what you can afford to lose!

*Real Daily Profit refer to the exclusion of principal in profit calculation

Related Topics:

The Best HYIP
Learn winning strategies of HYIP
HYIPs, Pareto's 80/20 Rule, and Portfolio Diversivication
HYIPs and Greed
Why do HYIPs Scam?
InvestForia LTD Scam: A post Mortem
Can you recover lost HYIP fund?

Learn how to start investing in HYIPs

To create an account and starting invest in a High Yield Investment Program (HYIPs) is as easy as opening an email account, well, for the most part. However, before you start investing in HYIPS, you need to ensure you open an e-currency account with popular online payments processors.

TherOther payment processors like Perfect Money, Alertpay (Payza) are equally popular choice among most HYIPs investors. E-currency accounts are usually the payment facilitator of choice between the HYIPs and the investors. Some HYIP will accept Bank Wires, Paypal, and host of other payment processor. Remembers to keep all your passwords and other account detail very secure.

After setting up your online payment processor, it is necessary to fund the account before you can start using it for payment. To fund your Liberty Reserve account, you may need to consult your locality. For instance in Nigeria, e-naira.com renders such service, and are recommended by Liberty Reserve. Liberty Reserve also have a presence in many countries of the world. Most HYIP will allow you to start investing with as low as $10 (Ten dollars). Again the golden rule: NEVER INVEST ANY FUND YOU CANNOT AFFORD TO LOSE. All HYIPS will certainly fail, it's only a matter of time.


To use the e-currency account to fund your HYIP investment, you will need to first choose the HYIP, and register. Most serious HYIPS have members area where investors can Deposit or Withdraw from their portfolio. Deposit attempts will call up your e-currency authentication window for authorisation.

The interfaces of the various HYIPs are similar, and most have options for users support. Read the FAQ page of any HYIP carefully and understand the conditions before signing up with them. HYIPs are not for the faint of heart, and demands a lot caution, and planning.

Do you have anty question of comment? Please drop me a note.

The electronic money trail continues...

Related Topics

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HYIPs, Pareto's 80/20 Rule, and Portfolio Diversivication
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Lessons and Strategies in HYIPs: The Royalty7 HYIP misadventure

Turning a HYIP from gamble to investment is the trick of the game. It's a matter of getting your HYIP tactics right. Don’t get me wrong, every HYIP no matter how long it runs, will surely turn a scam. It just a matter of time. The trick then is determining when to join, how much to part with, and when to exit.

My first HYIP was a disaster. I joined a popular HYIP - Royalty7, which had consistently paid for over 200 days. Unfortunately, Royalty7 scammed a week after I joined, I received a single payment that was just 7% of my initial investment, the rest is still trapped in the program, with mounting pending withdrawals. I have written them off and moved on. But I learned a few lessons from the experience. The lessons gained from this ‘loss’ helped shaped some of the tactics I subsequently adopted.


What did I learn from Royalty7 and what tactics have I adopted?

1. NEVER invest in HYIPs what you cannot afford to lose.
I invested what I felt I could easily write off when I joined Royalty7. Now looking back, I feel vindicated by my decision. While some made huge profit from Royalty7, I lost what I could afford to lose.
My tactics: I NEVER EVER invest what I cannot afford to lose. This remains the golden rule of HYIP


2.All HYIP will crash/scam no matter how long and reliable they pay
It took ‘investors’ of Royal7 about 15 days or thereabout to recover their initial investment, in the 7% Daily for 30% plan. Older investors made a lot of ‘profit’ from Royalty7 while it lasted.
My tactics: Join Early


3.Some HYIPs are profitable
As stated earlier, some investors made a lot of profit from Royalty7 before while it lasted (as at the time of writing this blog, some are still hoping they will be paid). For instance, an investor who invested $25 in ROYAL7 and renews it each time it expires for 150 days, would have made 10 times his initial investment, even without compounding.  Some of these investors may also lose if they stayed too long in one HYIP.
My tactics : Exit early, long term I take daily profit


4.      NEVER put all your money in one HYIP
Royalty7 was my first HYIP, even though I invested what I could afford to lose, it was all in ROYAL7. With the benefit of hindsight, I have realized the naivety of such.
My tactics:I spread the Risk and have diversify my HYIP Portfolio


5. TAKE your profit
Many people tend to focus on the ‘big payday’ check, and forget the basic – capital. When investing in HYIP, be very skeptical. Each day a HYIP lasts is a bonus! Hence, it is wise to always take your income/profit no matter how small. Compounding, as offered by most HYIP might earn you more money, but securing your initial investment (or part of it) is essential if you must succeed in HYIPs
My tactics: I take my profit daily

6. Look before you leap
There are several HYIP monitors out there which shows the status of HYIP; if the HYIP is paying, waiting, having problem, or not paying. Checking out the status monitor should be one of the first step to take when considering the decision invest in HYIP.
My tactics: Look, listen, before you invest.


Those are my current strategy for turning HYIPs from gambling to investment. Do you invest in HYIP? Do you have an experience to share? Please do drop a comment. Those who may want to invest in HYIPs but dont't know where to start may also drop a comment. I will in the next blog show you how and where to begin.

Related Topics:
InvestForia LTD Scam: A post Mortem
Why do HYIPs Scam?
HYIP Monitors Review?
Can you recover lost HYIP fund?
Can HYIP investment be insured?