Can you really "get rich quick" with HYIP's?:How Long Does It Takes to Become a Millionaire with HYIPs?
Let's assume you start with $500 to invest.
Although you can invest in some HYIPs with as little as $10, you would probably want to invest at least $500 to provide some basic diversification. It's about
amount you would spend to get usual MLM type program started, after you include "upgrade fees" and initial advertising. Not to speak of hours of posting and promoting you will NOT have to do with a passive HYIP investment.
Do not use money you must have for rent or food. If you must start with less, resign yourself to possibility that you could lose your whole stake, and have to start over again. If you are persistent and play odds correctly, you will win in end.
Here is how long it would take to go from $500 to $1,000,000 at various rates of interest compounded monthly using an online High Yield Investment Programs.
5% -- Forever! (Almost) 10% -- 6 years 8 months 15% -- 5 years 6 months 20% -- 3 years 6 months 30% -- 2 years 5 months 40% -- 1 year 11 months 50% -- 1 year 7 months 60% -- 1 year 5 months 70% -- 1 year 3 months 80% -- 1 year 1 month 90% -- 1 year 100% -- 11 months 110% -- 11 months 120% -- 10 months 130% -- 10 months 2 weeks 140% -- 9 months 150% -- 9 months
There are some interesting things to learn from this chart.
From 5% to 10% there is a massive drop in time, there is another pretty big drop at 20%, a smaller but worthwhile drop at 30%, again at 40% and marginally at 50%, but from there each 10% more has a rather small effect.
From 80% to 150% notice that even though you have almost double interest (added 70% to it) you only shave 4 months off time (reduced time it takes by about 30%)
Making a bar graph of above (with 10%, 20%, 30% up to 100%) will show you what best percentages are.
10% llllllllllll llllllllllll llllllllllll llllllllllll llllllllllll llllllllllll llllllll 15% llllllllllll llllllllllll llllllllllll llllllllllll llllllllllll llllll 20% llllllllllll llllllllllll llllllllllll llllll 30% llllllllllll llllllllllll lllll 40% llllllllllll lllllllllll 50% llllllllllll lllllll 60% llllllllllll lllll 70% llllllllllll lll 80% llllllllllll l 90% llllllllllll 100% lllllllllll 110% lllllllllll 120% llllllllll 130% llllllllll 140% lllllllll 150% lllllllll
The graph shows us very clearly that between 30% and 50% is best range. However 20% is a big advantage over 10% that's for sure, and is first really worthwhile interest.
OK, now let's assume you join HYIPs that pays 40% interest per month (Compounded). How long will it take you to get to 1 million?
Starting
.05c .50c $5 $50 $500 $5000 $50,000 $500,000 with
-- 4 years 3 months -- 3 years 8 months -- 3 years 1 month -- 2 years 6 months -- 1 year 11 months -- 1 year 4 months -- 9 months -- 3 months
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Surprisingly enough, this shows that starting with lots more money really doesn't speed it up all that much.
If you want to diversify, it is important to remember that you will be hard pressed to invest in more than one program with much less than about $150, although there are some good programs that have minimums in range of $10 to $50.
Notice that 500,000 is ten million times more than 5c, yet 5c only takes 17 times longer to reach same goal!
This exercise has yielded some interesting results.
1. Even if you are starting with less money, it will only take about 1 year longer to get to 1 million dollar point.
2. While high interest rates are tempting, and there are other good reasons for going after high interests such as closing "risk window" as soon as possible, you don't really need to go above 40%, and even 20% isn't too bad. Much above 40% and it is extremely likely that program is a scam or will get overextended at some time and fail . All it takes is a couple of bad trades, or an ugly rumor, for even a good program to get squeezed for liquidity.
With only $50 and 30% interest per month (compounded), you are a millionaire in 3 years and 2 months! That is not to imply that we would simply rely on any single program to get my million dollars. One primary rule is that no one can ever be 100% sure which program will last more than another week. It is all probabilities. Please remember that. Drill it into your head. It isn't about being right every time. We don't always pick winners. We don't know anyone else in this business who does. You only need to learn to avoid worst crooks and scams, and be right more often than you are wrong, and remember to spread risk. Have a little faith. Not all your fellow men are crooks. It only takes a couple of legit, well-managed funds, to more than make up for a couple of losers.
