HYIP, what is it all about?

HYIP stands for High Yield Investment Program. Just what it sounds like, it is a program offering a high yield investment and is offered on the internet, through investment website. HYIPs are offering probably the most profitable investments available today, much more than any bank or investment fund can.

HYIPs typically accept investments ranging from $0.01 up to $10,000 or more while promising high returns. These returns are variable depending on the investment plans such as hourly, daily, weekly, monthly and/or 30 days, 50 days, 60 day, 90 days, 120 days, 150 days and even 365 days or yearly. In general, interest rates offered ranges anywhere between 1-5% daily, 2-10% and 3-40% monthly. But it’s not hard to find programs that offer higher profit or unrealistic rate in an unrealistic time frame, if you find one you can be sure it’s a SCAM or Ponzi-like program. Most HYIPs accepts payment through e-currency programs such as e-gold, e-bullion, liberty reserve and v-money; only a few accept PayPal and AlertPay. However, liberty reserve is the most common being used among these currencies.

A Ponzi scheme is a system by which investors are lured to invest in a program by promises of very high returns on the investment. Early investors are paid using the money that later investors invest in the scheme. Things go well until new investors stop joining the system and the money runs out.

Now, if you are considering on making an investment in a HYIP be certain to do diligent research first. Ask yourself whether the claims are too good to be true and how the people running the program generate the high yield returns that you are being promised. You should be careful of the claims people make regarding some secret network or principle that allows them to make excessive returns. If the proponents of the HYIP cannot or will not explain how the returns are made then you may want to avoid investing in the program.

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