FAQ
On what principle are the investment projects selected?
1. Here you can find only the projects I personally invest my money in.
2. If for one reason or another I withdraw my money from a project, it is immediately excluded from my list, irrespective of whether it keeps on working or not.
3. Any investment carries some risks. In order to reduce them I (as a rule) do not invest money in the projects:
- with a ROI over 60% per month (far less where they promise from 10% to 70% per day);
- existing for less than 20 days.
Can some of the listed projects stop paying?
Yes, it can, just like shares may happen to sunk to nothing, a bank - to shut down, the biggest company - to bankrupt, a yesterday prosperous firm - to become unprofitable. Hence, you must split up your money among several projects, in this case you will always be in profit. For example, at present I’m investing in 24 projects. Not all of them are present in my list, some of them should be checked first, worked out with smaller deposits.
What are the most reliable projects in your list? In what of them do you recommend to invest?
In respect of HYIPs we cannot speak about “reliability”. There are projects that pay so far, and there are projects that stop paying one fine day. And it’s obvious that the higher the interest, the higher the risks. That’s why I have to distribute the money among a score of projects.
I NEVER direct people to investing in a particular project, because I cannot guarantee that it will be working long and happily. In return, I suggest you to study closely this site’s information, the investment offers, evaluate eventual risks, and only after that transfer your money.
The main thing: make sure to split your total amount among 15-20 projects, don’t be carried away only by high-yield ones (30-35%), combine them with average-yield and low-yield ones (by the HYIPs “standards”, of course) rendering 17-20% per month.
How much to invest?
I think that investing sums less than $100 has no financial meaning. Nevertheless, a lot of people invest $10 or $20.
Investment forums are crowded with thousands of happy posts like: “Today I received $0,30!” That means that the “investor” put out $20 at 1,5% per day. Nice profitability? Yes. But with this deposit amount he will get $9 per month.
Can we call it a profit? Hardly. Even the most low-paid navvy in the poorest country earns more.
And what about loss of time? Indeed, small and cautious investors, as a rule, withdraw their cents every day, spend hours on forums talking to other similar investors, and go the projects’ sites and monitors with a sinking heart, worrying about the fate of their $20.
But maybe it’s better to put in ten projects $20 each, then the monthly profit will increase up to $90? However, the loss of time will increase accordingly, but the result will still remain insignificant.
In short, we’d better take a calculator and make a simple calculation. If we take an average income of 25% per month, we’ll see that the invested 100$ will bring $25, $500 will bring $125, and $1000 - $250.
The key point is that the game, i.e. the efforts, was worth the candle.
Optimum volume of investments
Define how much you can afford, so that these investments had no impact on your mode of life. This must be spare money or the money that lies idle at present and won’t be needed within at least one month. In no case should you invest your “last” or borrowed money.
As your investments must bring some substantial profit (what else do we place money for?), the invested amount cannot be too small. For example, to receive a monthly income of $300, one should invest at least $1000 (in terms of the average monthly ROI of 25-30%).
But don’t go in too much. On the stage of getting experience you shouldn’t invest more than $1000-2000, having split them up among 12-20 projects, of course.
If we admit that 2 projects out of 10 are down, your loss would be around $200. In return, the remaining $800 will turn into $1040. So even in this case you will earn 4% monthly or 48% per annum, what is about several times more than with the bank deposit.
At the beginning I’d recommend to set your heart on the average monthly ROI of 15-18%, and to consider eventual losses from this point of view. Already after 1-2 months a newbie passes into the category “experienced” and may gradually increase the total invested amount (mainly by reinvesting the profit), in the meantime reducing the risks.
The deposit term is up and I received the promised interest. Should I leave the deposit for another term?
If the project pays a very high interest (over 50%), then it would be imprudent to keep the money in this project for more than one term, as even the most reliable programs shut down sooner or later. Yes, maybe the project will be alive for several years, and you will regret having played too safe and withdrawn the money too early. But the losses are suffered harder than a short-received profit. Much worse when you reproach yourself: “Heh, if only I had stopped in time…”.
As for the serious projects with the ROI of 15-22%, I myself, for example, withdraw the principal quite rarely and reinvest it. Let them pay as long as they can.
Trade-off: reduce the deposit amount for reinvestment and put the profit in other projects. This would minimize the risks.
Is it necessary to provide real personal information at registration in projects and EPS, Perfect Money, Liberty Reserve etc?
It’s not necessary for the projects, but indispensable for the electronic payment systems (EPS). Because your money will be kept there, after all. And if you lose, forget, destroy by mistake your password or the file with security keys (for WM), then in order to restore your access to your account or e-wallet the EPS will ask you to provide a scanned copy of the document, confirming that you are the true account’s owner - passport, driving license etc.
I noticed that sometimes a particular project disappears from your list. Does that mean it is closed?
Not necessarily. Simply the “factor of tranquility” is very important for investors. If it happens that the project’s site is inaccessible, and after two days it reappears without any explanations from its administrators about what happened, then all my wish to work with such a project is lost.
The same thing regarding feed-back (if you wait for a reply from admin for 2-3 days), if the TOS change on the fly, if there are delays in payment etc.
What is meant by "Test"?
Before investing more or less considerable amounts in a project, I test it. In other words, I invest relatively moderate amounts and look how regularly and how promptly withdrawals are processed, if the interest is duly added, how the administrators respond to my messages etc.
Sometimes I shift to the test mode the projects that start to “glitch”, don’t inspire confidence as before, but still have chances to amend.
You say that you earn on investments $8-10K per month. I put your profits together and got no more than $5-6 per month. Quite a bit too, but not so much…
The list of projects on the homepage doesn’t include all the projects I put my money in. Some of them are put away because of the above reasons, but as the deposits’ terms haven’t expired yet, I keep making profit. Some of the projects are new to me, and I’m testing how suitable for working they are, as well as what is the real (not only promised) interest they pay.
Besides that, part of my money is invested in quite different projects.
Why does your site have a Russian version?
Firstly, I am originally Russian myself, and secondly, about 300 million people in the world intercommunicate in Russian. Not a small audience after all :)
Why do you expend your time for your site, if everything is all right with your income?
Firstly, the time expenditures to maintain the site are covered by the refferal payments and advertising profit – extra money doesn’t hurt anyone. However, I’d like to repeat once more, that I place the advertising only for those projects which I invest my money in personally. The more advertising, the more investments are involved in these projects, which means they will be earning profit longer, what I’m personally interested in :)
Secondly, I make profit exchanging e-currencies.
And thirdly, (maybe it seems to be futile to someone), I simply enjoy talking about this business. I’m interested to receive emails and reply to them, I’m happy when some of my addressees tells me that he/she has recovered his/her investments and earned money. The only thing I regret is that I had to learn only by my first-hand experience and to pay for that by the wasted money and time.
When you say that you placed $1000 or $1400 in one or another project, does it mean that you recommend exactly these amounts to be invested in these projects?
I work according to the principle: to place no more than 10% of the total amount in one project.
If you’re about to invest $1000-2000, do not duplicate in any case my deposits of $800 or $1500 into one project. Act proportionally to your capabilities: having $2000, split them up into several parts of $200-350 each per project. In such a way, your risks will be kept to a minimum.
Do you lose money yourself?
Sure. The specific amount of losses (or short-received profit) depends on how many payments I managed to get. Let’s say, if I lose a deposit of $1000 and have already withdrawn $6000, can it be considered as “a loss”?
As I previously said, the main thing is not how much you’ve lost, but how much you’ve got. My positive balance never fell under 12% per month and is 20% on the average - only thanks to investing simultaneously in 20 and more projects. This takes some time, but the losses in one project are covered by the interest from the others.
And the last thing. I am not a representative of any projects whatsoever. I risk my own money, I can not and do not want to be responsible for another’s decisions, therefore I’m asking you not to take the information represented on this site as my recommendations to invest in one or another project.
Read, think, analyze, but take your decisions on your own.
The updatable chapter with questions-answers can be found here.
