Nowadays the word HYIP has become a very common term in the cyber arena, even though a lot of people still have never heard of it before. It's even caught the attention of government financial departments to ponder on. Even the federal securities are talking about HYIPs. So what's the big story behind this four letter word? Let's find out through this detailed report, which is based on what I've learned from other experienced investors, some of which have several years of field experience in this arena.

What is High Yield Investment Program (Hyip)?

HYIP, which simply means High Yield Investment Program? It's exactly what it sounds like. These companies ask you to provide them with a loan of money and they promise to repay you with interest payments on a Daily / Weekly / Monthly basis. 

The return you get on your investment ranges from very small to very large percentages and could be spread over a long period of time. You'll usually recoup your investment in about 2-3 months, and from then on it's pure profit.

HYIP's are probably the most profitable investments available now days. Some can give you up to 100% return on your investment per month. This industry is growing by storm everywhere on the internet. There have never been investment opportunities such as this to give such a high profit within the shortest time.

There are many different HYIPs on the internet with many different methods of payment and repayment. 

Never invest in every single HYIP that is out there. Around 90%+ of these HYIP programs are scams. If you follow the advise in this guide, you'll make great profits like I do.


What do these HYIP Companies do? 

Most of these companies will follow a unique investment strategy to gain a high level of profit. They manage their/your investment in the most efficient way to ensure the profit return for their clients. Some of them will invest in the stock market, others in property, bonds or forex. Most of the time a company will use a combination of investment opportunities to generate such a high profit margin. Each company usually has their own unique investment strategy.

Are HYIP's Legal?

The real HYIP's are legal, they're a form of investing, but they're only legal if you declare your earnings from them on your tax form, usually under 'capital gains' (similarly, you can put your losses on them as well).

Can there be fraud in HYIPs? 

Yes there can be, and there are plenty of them online. From our research, as many as 90% of the HYIP programs out there are fraudulent programs run by scammers. They're are just there to take your money and run. These HYIPs usually last no more than 3-6 months. That's why it's wise to do your due diligence before investing any money. 

Security

To start off with, the subject of internet security is probably the single most important subject to consider when dealing with money, or currencies on the internet. Hacking has become a major problem that cannot be ignored. 

There are many methods used by the hackers of our time, and they're figuring out new ways to do it every single day. SpyWare and Keylogging programs are one of the most practiced forms of gaining information that's used to rob individuals of their funds from accounts on the internet. 

It's also used to gain information so a hacker can gain entry to any program that you may belong to. I'm going to outline some methods to keep out the hackers, and I'm going to list some very good programs that can be acquired for free, and some that cost money. 

It's my personal opinion that if you purchase the best security you'll have the best security, and if you intend to protect programs that involve a good deal of money, then you should consider the purchase of the best software to be a really good investment. So ... lets get started.

About Firewalls

This section is reprinted from Shields Up

A firewall ABSOLUTELY ISOLATES your computer from the Internet using a "wall of code" that inspects each individual "packet" of data as it arrives at either side of the firewall - inbound to or outbound from your computer - to determine whether it should be allowed to pass or be blocked.

How does a Firewall Work?

All internet communication is accomplished by the exchange of individual "packets" of data. Each packet is transmitted by its source machine toward its destination machine. Packets are the fundamental unit of information flow across the Internet. 

Even though we refer to "connections" between computers, this "connection" is actually comprised of individual packets traveling between those two "connected" machines. Essentially, they "agree" that they're connected and each machine sends back "acknowledgement packets" to let the sending machine know that the data was received.

In order to reach its destination - whether it's another computer two feet away or two continents distant - every Internet packet must contain a destination address and port number. And, so that the receiving computer knows who sent the packet, every packet must also contain the IP address and a port number of the originating machine. 

In other words, any packet traveling the net contains - first and foremost - its complete source and destination addresses. As we've seen earlier on this site, an IP address always identifies a single machine on the Internet and the port is associated with a particular service or conversation happening on the machine.

Look what this means! . . .

Since the firewall software inspects each and every packet of data as it arrives at your computer - BEFORE it's seen by any other software running within your computer - the firewall has total veto power over your computer's receipt of anything from the Internet.

A TCP/IP port is only "open" on your computer if the first arriving packet which requests the establishment of a connection is answered by your computer. If the arriving packet is simply ignored, that port of your computer will effectively disappear from the Internet. No one and nothing can connect to it!

But the real power of a firewall is derived from its ability to be selective about what it lets through and what it blocks. Since every arriving packet must contain the correct IP address of the sender's machine, (in order for the receiver to send back a receipt acknowledgement) the firewall can be selective about which packets are admitted and which are dropped. It can "filter" the arriving packets based upon any combination of the originating machine's IP address and port and the destination machine's IP address and port.

So, for example, if you were running a web server and needed to allow remote machines to connect to your machine on port 80 (http), the firewall could inspect every arriving packet and only permit connection initiation on your port 80. 

New connections would be denied on all other ports. Even if your system were to inadvertently pick up a Trojan horse virus program which opened a Trojan listening port to the outside world, no passing Trojan scanner could detect or know of the Trojan's existence since all attempts to contact the Trojan inside your computer would be blocked by the firewall!

Or suppose that you wish to create a secure "tunnel" across the Internet to allow your home and office computers to share their files without any danger of unauthorized intrusion. Firewall technology makes this possible and relatively simple.

I hope I've conveyed some sense for the powerful benefits and features created by firewalls. At a cost ranging from $29 to $39 USD, these personal firewalls are a terrific bargain! If you've also received the sense that this can be very tricky stuff I'd have to agree.

THE MECHANICAL FIREWALL

A mechanical firewall, such as a NAT router or a DSL modem, and software firewalls such as Zone Alarm, System Suites Net Defense, Norton Personal Firewall, and others too numerous to mention. My preference is Norton. 

A NAT router, such as Linksys, actually acts as a mechanical barrier between the internet and your PC. There are many on the market and a good computer store will carry a good selection of the best of them. Be sure, though, that your system has one of the following, an ETHERNET or a USB port present and open.

This will be necessary to utilize a NAT router. If you don't have this on your PC, then you can purchase a PCI card that will add this to your system. The ETHERNET connection is the preferred connector for a router. A DSL modem also acts as a mechanical barrier between the internet and your PC. Most of the time if a hacker sends a mass ping out, a DSL modem, or a router is what he will see on the ping. Not your computer. Regular dial-up, and cable modems are not quite as secure as DSL. So, if you want to really be secure, then start with a NAT router. If you have DSL, then you wont need a router unless you want to link to the net with several computers.

THE SOFTWARE FIREWALL

A software firewall, in a way sort of confuses a hackers attempts and even in some cases logs the hackers attempts at entry into your system. Software firewalls can be an extremely effective way to thwart a hacker and protect your sensitive data. 

You can set a software firewall to conform to your individual needs and most software firewalls have a good help system and directions to aid you in the setup of the software. A good software firewall enhances and strengthens a good mechanical firewall. 

A mechanical and a software firewall work hand-in-hand with each other to make your system invisible to hackers.

There are several good firewall programs available, and a search via google using "firewall" as the subject will get you a list of them to look over. My personal preference, as I said is Norton Personal Firewall. I'll cover that in more detail later in this guide.

SPYWARE

Spyware is another thing to consider when developing your personal internet security. 

Spyware is very sneakily installed on your computer via free programs, toolbars, smiley face programs, email program addons and even via autosurfing programs. It also can enter, and so can viruses, in your email as it comes into your computer daily. 

Spyware sits in your computer and reads your sensitive data and surfing habits and details of the sites you visit, and sends the info to the person or persons who did the sneaky install. It is not a very ethical thing to do, but it is done to almost everyone everyday. 

There are many good stand alone anti-spyware programs available for free download. These include SpyBot Search and Destroy, Spyware Guard, and many others. Again, a search via google will turn up many choices. Just enter "spyware" as the subject. Again, Norton has included anti-spyware in its program, Norton Internet Security, and it is part of Norton AntiVirus.

VIRUS

Spyware can enter your computer in the form of Virus, or Worms, and also Trojans. A Trojan is named after the "Gift Horse" used in the war between Greece and Troy. And it comes in the form of an innocent or inconspicuous file or program. It gets into your system and sends out information such as passwords and ID names to the person, or persons, who installed it or sent it to your PC.

A worm gets into your system by innocent means such as email attachments etc. A virus can enter your system via any download or email or attachment to an email.

Viruses are the most destructive kind of PC invasion. Some viruses, once activated, can totally destroy your system's BIOS and can totally wipe out your hard drive. So a good anti-virus program is vital to good internet security.

So...in summary...A top level internet security system will consist of a Mechanical Firewall...a Software Firewall...a good Anti-Spyware program...and a good Anti-Virus program. I'm going to list a few of the programs available for a price and a key word to use to access a variety of free and paid for options later in this guide.

A good program to self test your security online is called Shields Up. Here is the link to use it 

https://grc.com/x/ne.dll?bh0bkyd2 

PASSWORDS

Next .. lets cover the subject of developing, using, and entering passwords which are designed to protect entry into your personal pages of the programs you belong to.

RoboForm and RoboForm Pro.....

This program is my personal recommendation for keyless password entry into any program or site that requires a password, and can also be used to quickly access those sites, with one click, that either do or don't require a password. 

It's a great system that keeps all of your information handy and fills in all kinds of forms. There are those who debate about keeping a program like this on your PC, but if you utilize a full internet security program, then this form filler is safe and can do your password entries without using key strokes. 

Norton SystemWorks has a feature called "Password Manager" that does the password part, but RoboForm does it all. 

I highly recommend that you go ahead and purchase RoboForm Pro. It has unlimited passcards and you can install unlimited custom info fields. It's the greatest information entry time saver available on the net at this time, like I said will securely enter your saved passwords without keystrokes. 

It also keeps you from forgetting the entry information to all of your programs, and the data can be backed up, so you wont lose it if your PC crashes. It also stores the URLs you need for entry to your programs. I just cant say enough good things about it and I would be lost without it.

Creating and saving passwords to use for any program.....

What I'm about to cover here, is a method that I've developed to create passwords in a stealth mode without using keystrokes at all. I'm going to include an example of creating one and installing it to a program, or site, and then saving it to RoboForm.

Creating a password using copy and paste is a stealth method that requires no keystrokes to do it. First, log onto a site that has a lot of text and numbers in it. Make sure you don't try to copy from a hyperlink or a URL because it will frustrate you when it goes to that site. 

What you do is highlight a section of, or a few letters of a word, and copy it to notepad or wordpad. Then you find some numbers and highlight 2 or 3 in a row and copy them and paste them onto the letters you have just pasted on your "pad". 

Then locate and highlight a few more random letters and do the same. Repeat this process until you have created a password containing numbers and letters. It can be done in any order, and can include upper and lower case letters. 

Each time you complete a potential password, save the file under a filename you can locate easy, and just start a new line in this file for each password you create. I would not create more than about 8 - 10 at any one time. For instance, I'll create 3 passwords here using the text I have already entered.

Tut83Rep2

sw328nsta

281staRep3

The 3 passwords above were created from the text in the above paragraph without entering a single keystroke, and can now be copied and pasted into a password field in a program without a single keystroke. Once you use a created password, you need to save it to the password field in your RoboForm passcard via copy and paste, and you will have done the entire procedure without once entering a keystroke. 

Once you've completed the whole process, you should delete the password from your list of created passwords and resave the file without that password in it. Just remember to backup your RoboForm data so you don't ever lose your entry info. You can change your passwords monthly, if you like, using this method, and you probably will never have this information "hacked" from your PC.

CONCERNING EGOLD'S SRK FEATURE

E-gold has incorporated a security feature called SRK. It in actuality, is a virtual keyboard, and is immune from keylogging programs. This is a must when entering your passphrase, if you don't use RoboForm, and when you enter it in the profile section of E-gold for the first time, you should use the SRK feature there at least. My cut and paste password creation technique will do the same job, but the SRK may be more convenient for some folks.

A brief word about Norton Programs

I'm an avid supporter of using Norton SystemWorks and Norton Internet Security.
They cost in the neighborhood of $140.00 for both of them, but they contain everything you'll need, except the mechanical firewall, to maintain "Top-notch" Internet security. 

There are some excellent free software programs out there, but we're talking about protecting your on line account info, and your online E-currency accounts from a hackers intrusion. It's an investment worth making. In my own opinion, Norton is the best you can buy. I personally don't like compromising my internet security and I advise you to take on this attitude also.

USEFUL LINKS THAT YOU NEED

Norton Programs http://www.symantec.com 

RoboForm http://www.roboform.com 

McAfee Programs http://us.mcafee.com/ 

AVG Anti-virus http://www.grisoft.com/ 

Ad Aware http://www.lavasoftusa.com/software/adaware/ 

SpyBot S&D http://www.safer-networking.org/index.php?page=download 

Anti-Keylogger http://www.spydex.com/advanced_anti_keylogger.html 

Virtual Keyboard http://www.lakefolks.org/cnt/ 

Password Auto-generator http://tjc.iwarp.com/password.htm 

Zone Alarm Firewall
http://www.zonelabs.com 

Zone Labs Security Scanner http://download.zonelabs.com/bin/free/cm/index4.html 

Shields Up https://grc.com 

UPS by Belkin http://www.belkin.com 

UPS by APC http://www.apc.com 

There are a multitude of options for internet security on the internet. You can enter "keywords" into your google or Yahoo searches and come up with a large variety of choices.

Some of these key words are:

anti-virus

virus

spyware

firewall

NAT router

How Do I Know if an HYIP is a Scam or Not?

Simple and straight answer: You don't. You can take advice from people in the industry, read forum posts, etc. The decision to join should be entirely your own, and you should understand the risks involved as I've outlined them here in this report.

An observation -- Possible Scam filters 
--------------------------------------------------------------------------------

In my time in the HYIP arena I've observed the following:

1. Hourly or Pay by the minute HYIPS are almost all scams. None of them lasted for more than a few weeks.

2. HYIPS with 'Gold' at the end of their name (ex. KenaroGold and TradeProfitGold) tend be scams.

3. HYIPs with 'Bank' in their name tend to be scams. A HYIP is a HYIP, not a bank.

4. HYIPS with 'OIL' in their names (There was one called OILBank once. LOL) all tend be scams. The OIL like the bank and the gold is added to disguise the scam.

5. HYIPS with the canned HYIP script then to be scams (we are aware of only a few exceptions out of the hundreds of HYIPS that have launched and disappear since May when I started out).

Due Diligence Resource

There are tons of forums and message boards out there that share HYIP investment strategies and possible scams to look out for, but one of the most credible sources for the truth about the HYIP arena I've found and use myself, is E-told.

E-told.org was founded in December 2000 for the purpose of aiding HYIP investors in their online search for programs to invest in. 

I subscribed to their daily watchdog newsletter because I need it, they're doing my homework for me. They're doing my due diligence. E-Told has helped me save money in just a short time. The way I see it, it's kinda like an insurance policy that pays off with notifications and warnings so you can protect yourself. You can find out more by clicking here.

I also highly recommend their informative ebook, "The Truth about Gold & HYIP's"

Is there any risk in HYIPs? 

There's risk in any business. If you can't take a risk, then you can't expect to gain either. The bigger the risk, the bigger the return. These HYIP companies manage their investments in the high-risk arena and that’s why they also make such a high profit. So there's always a risk of losing money, which can happen with any business. The same is true if you put your money in the stock market on your own. That's why it's always best to invest a comfortable amount you can afford to risk. 

How Much Can I Make?

It depends entirely on how much you invest (obviously the more you invest, the more you make), and the daily percentage of the program (higher daily percentage = more money daily).

How Much Can I Lose?

Again, you can lose as much as you invest. Therefore remember the golden rule of HYIP: ONLY INVEST WHAT YOU CAN AFFORD TO LOSE.

How Much Can I Invest?

Depends on the company. Some companies allow you to invest from $1, and most have no upper limit. Check the specific company for more details.

How do you invest in these programs?


Most HYIPs use different types of e-currency as their way of accepting funds from investors. E-gold is the most used e-currency, but there are also other e-currencies such as Evocash, Paypal, Intgold, Netpay, Stormpay and many others. Nowadays, e-currency has become a very popular way of exchanging money online. It's also used by various merchandise websites as an accepted payment method. 

Given the fact that the HYIP industry is a very risky place, most people tend to be very reluctant when comes to investing in HYIPs, even if they're legit. There have been cases where people have thought they’ve found an incredible opportunity and happily invested their whole fortune. When the programs later went out of business, the consequences have been devastating. 

Considering both positive and negative aspects of HYIP investing, the conclusion is IF the selection of HYIPs is done properly, it can be extremely profitable.

If you enter into any of the programs on the net, it's of your own choosing; realizing that all HYIPs are an arena of high risk. It would be presumptuous to assume ALL programs and opportunities are going to reward you with a return indefinitely; some will fail due to the nature and volatility of this arena.

But, sow enough seeds and many will grow. Long-term protection lies in a simple strategy; D-I-V-E-R-S-I-F-Y with little bits seeded in the best programs you choose to enter. NO BIG SPENDS in any one program! In other words, don't put all your eggs in one basket.

This philosophy and game plan to create income in this internet arena is simple and has been working in spite of the many programs that fail. Getting in the black is the mission here and is attainable IF you follow the rules laid down by the more seasoned HYIP investoers. A good game plan is to develop a $5k to $100k+ /month income by funding a total of 5 to 20 different programs paying out 10% to 100% a month each, with a total of $30,000 to $40,000 (or more) invested over the course of a couple years. I also suggest weighing your investments more towards programs that are offshore since the ROIs are usually much higher. 

Here are some basic rules to follow for long-term profitable returns

Rule 1: Don't put your money in ANY program that offers only an e-gold number to do a spend to a a yahoo, ziplip, hushmail, or hotmail address as the only means of communication with them. These programs, IF they have a website, will usually have a FREE website from Homestead, Tri-pod, Geo-Cities, etc. Big clue that they may be a scam! 

Your chances of turning a profit with these ops are very, very low - there have been hundreds of failed programs using this agenda. This goes for most, if not ALL of what we call quick "in and outs", but this rule can also apply to very professional looking websites that give you virtually NO contact point information.  

Only invest or participate in programs that can provide you with a valid email address(es), or give you a phone number to speak with and a fax number and a program manager's name to deal with as well as a snail mail address and place of doing business from. At least make sure your sponsor or someone has this information or don't participate. Most professional HYIPs have a member's forum, so you can monitor them and check out what others have experienced, both positive and negative.

Rule 2: Don't go fishing where you shouldn't be fishing. This advice comes from my mentors. I can't emphasize the importance of this strongly enough. Let me say a couple words about doing so-called 'due diligence' on paper trades. 

IF the little investor understood even a fraction of what this is all about, they would know that due diligence is not something that can be done on HYIPs the same way you would with a typical licensed firm. If you're coming in with $10 Million, you'll be able to satisfy yourself about legitimacy with irrefutable proof (sometimes certificates of deposits), because you will deal directly with the paperwork of the trade itself -- paperwork that even your own intermediary may not get to see.

Sometimes an investor with $1 Million is lucky to be able to get a sole signature account and be privy to more info -- but it's not the norm. As for the rest of us? Forget it. If you think you have to dig and snoop and post on message boards forever to determine if a program has merit, then get OUT of this arena. 

To put it more bluntly, this business is a PRIVATE sector. There are usually no public registries, no BBB listings, no bankers or licensed brokers who will confirm anything, nada, zero, zilch. That's just the nature of this industry.

Rule 3: Don't put all your eggs in one basket; diversify a little money into a lot of areas, so if one venture goes sour you still have the others intact to produce income. Some will go sour! If you don't enter this arena intending to fund many different things overall before you're done; you shouldn't be playing here at all - you'll get burned. Funding two to three things with large amounts is financial suicide; just like it is in the stock market. Just like the "Mutual Fund" approach, focus on the overall "plan"; not on a single program or two. 

Build your program list up to no less then ten, it may take time but this is the proper way. Do not, I repeat, do NOT, lay your faith on a single program or two. It can destroy you and make you bitter and blind in this arena. 

Always lay your faith on the "big plan" not on a particular program, this is where the market splits into two groups of people, one ruled by broken faith the other group led by laying their faith on "the plan" and not on a program. 

If you lay your faith, hope or belief on a program and it doesn't work, this intangible decision you've made with your will leads to destruction of your attitude, finances, personal well being and your sense of fairness. 

If your faith is destroyed or damaged, you'll lay a damaged faith on the next program you look at, or a damaged belief, or a damaged hope and you won't find your way to investing with a good feeling... you'll start missing the programs that pay. 

"The Plan" is to eventually fund 20 plus programs, and as soon as some pay out widen your programs to up to 30 or more. Your faith in "the plan" then matures and grows stronger as the overall financial picture, including wins and losses, balances and produces and positive cash flow. The programs themselves individually are not the focus except to try and do as much due diligence as possible so you enter the best 20 that are paying and have the longest track records. It's too easy to want to put ten or twenty grand into a couple programs and be done with it; but it's much safer to fund $500 to $1,000 in twenty different programs that are considered the best programs. Then when one or two fail; it's no big deal. Concentrate on the "plan" not the "programs". 

Rule 4: Recoup your seed money from any one venture as soon as possible. Take your seed money back when you reach 2-1 or 3-1. Remain vested with THEIR money and not yours from that point on. Too many programs have started out fine, we get comfortable with them and start putting extra money in before the returns from the last spends come back and then they fail. Don't reinvest more before you've been paid back - no matter how long it takes. A good rule I follow is to take my seed money back as soon as possible and only keep reinvesting half of the payout proceeds with each cycle. 

Rule 5: Don't let large amounts accumulate; take smaller profits often and you'll see REAL money. Even from the most stable programs; take funds back often. Taking small amounts of profit along the way, versus letting a larger amount accumulate before a program goes sour will allow you to see real money instead of missing out on what you thought you had.

Rule 6: Don't jump into new programs right away. I know; "ground floor opportunity, first in gets the worm". Wrong! Truth is, MANY programs never make it through launch. The facts?? If it's good this week, it will be good next week or a month or three months from now. Let the program establish a payout history with good customer service before putting money into them. With some exceptions, I don't join new programs right off the bat. If they're still around in another month and everyone who's in them is happy with the program, then it's time to take another look at it. One way to check is to read each program's member forums.

Rule 7: Don't put large amounts of money into newbie programs no matter how good they look or how well they come recommended. Time is of the essence. Make the programs establish good track records of paying out several months to a year before sticking three and four digit amounts in them. I can name many programs last year who paid out for three or four months and then POOF!... vanished within thin air into cyberspace. 

Just as everyone got comfortable with them and started putting some real money into them; they disappeared. Continue using the same strategy of recouping seed money asap and building your portfolio with half the profits each time the program pays out; and putting half the profits into your pocket each payout. Small profits in lots of programs beats a big loss in a single program or two. 

Rule 8: Anticipate some rough water ahead and weather it out while the administrative end of some programs catches up with the trading and sign-ups as enrollments escalate. Most programs with small admins have no concept of how many people can enter a program off the net in a short period of time. It doesn't take long to get in a real pickle admin-wise. And remember, only fund programs that have real contact people; like real email, phone and fax numbers to communicate with, real snail mail addresses and places of business. DON'T do business when the program gives you only an e-gold account number to do a spend to and a ziplip, hushmail, hotmail, or yahoo address as the only means of communicating with them. 

The internet arena works at producing income for those willing to apply the rules above, but it is a vicious minefield for the uneducated and the "I'll do it my way-ers". 

A good philosophy to apply in this arena is best described by Alexander Graham Bell 1847-1922, Inventor and Teacher of the Deaf: "When one door closes another one opens; but we so often look so long and so regretfully upon the closed door, that we do not see the ones which open for us." This is very true in this arena.

What's the best way to profit from HYIPs?

The answer to this question is simply one word; "Diversify"

Sure, everyone says the same thing. Whether you're investing in Stocks, Bonds, HYIPs, or even baseball cards, the more you diversify, the better chance you have of earning steady profits. I'll list several diversification strategies. As a general rule, it's always safe to get your initial investment out as quickly as possible, then you use your profits to invest with and laugh all the way to the bank.

Here's the first strategy:

Strategy 1 - (for those of you new to HYIPs) 

Start off with an amount of money you can afford to lose. Look around to get a sense of which programs people have been profiting from. To start off I suggest starting with a small amount with several programs, then gradually, over time, increase that amount and add more programs to your HYIP portfolio. 

Also be cautious with programs that pay more than 30% per week. The higher the payout the more likely the program won't completely pay off and may crash and burn. With your initial investment funds, select several programs that seem stable. Out of these selected programs, rank them in order from 1 - 7 (best chances of being able to payout to worse). After ranking the 7 or so programs from best to worse, invest the following percentage of your investment funds:

Program 1 - 25%
Program 2 - 20%
Program 3 - 15%
Program 4 - 15%
Program 5 - 10%
Program 6 - 10%
Program 7 - 5%

For example if you're starting with $200 to invest with, invest the following:

HYIP 1 - $50
HYIP 2 - $40
HYIP 3 - $30
HYIP 4 - $30
HYIP 5 - $20
HYIP 6 - $20
HYIP 7 - $10

This will get you off to a good start. Then as money starts rolling in, you can reinvest into new programs, or even into the programs you've already invested in. 

Strategy 2 - (for those of you who have been investing in HYIPs for over 2 months)

If you're one of those people who've been investing your money into HYIPs for over 2 months, you've probably already gotten a sense of what kind of returns you're capable of making. However, even experts need a strategy. Here's a strategy that I recommend to novice investors:

Remember, the key to long term success is "diversity". Without diversity, that $1000 that you've invested in only 3 programs could easily evaporate in minutes. Even though a lot of program admins don't admit it, a lot of programs really invest their funds into other HYIPs. 

A lot of admins say they put the money into forex, but this takes a large sum of money in the first place just to open a forex account (forex is short for "Foreign Exchange" of currencies). This is what makes diversity so important. 

If you're only investing in 3 programs - Programs A, B, & C - your risk of having a domino loss of your funds is more likely. For example, Program A is a huge successful program that's been running for 2 years. They've gotten everyone's confidence, including the confidence of program B. Program B invests 1/2 of all their funds into program A, expecting the returns to continue. Program C's admin, on the other hand, is great friends with the admin of Program B. He has 100% confidence that Program B's admin won't run off with the money, and invests 60% of their funds into Program B. 

Everyone thinks they're secure, until Program A loses all its money by hiring a bad Forex trader. In turn, Program A can no longer afford to pay out its investors, so they close up. Program B then loses 1/2 of its weekly revenue, since this money was invested in Program A, and decide that they no longer can afford to payout. Program C, then loses 60% of its revenue, and also closes up. All this can happen in less then one week. Your $1000 investment into 3 programs, that seemed very stable, has vanished into thin air.

This is exactly why diversification is so very important. When you're investing large amounts (by large amounts, I usually mean over $1000), you should spread this money across at least 8-10 stable programs. This will prevent you from suffering a domino collapse of massive proportions. Those 8-10 Programs you pick should be a mixture of daily, weekly, and monthly payers. My recommendation is that you distribute your funds like this:

Daily Payers - 25%
Weekly Payers - 45%
Monthly Payers - 30%

How to pick a stable HYIP - Daily, Weekly, or Monthly payers?


HYIP's are usually set up to pay a percentage of your deposit back in Daily, Weekly, or Monthly payouts. Are any of these payment structures more secure and reliable then the others? 

I've found that different payment structures lead to different states of security and longevity of an HYIP. As a general rule, the least secure of these structures are the daily paying programs, although some have been around for almost 2 years and going strong. These programs usually claim to offer anywhere from 0.5%-7% per day (Gold games often offer much more then this per day. Stay away from all gold games unless you're a gambler). 

I've found that Weekly paying programs, followed closely by Monthly payers, have been much, much more reliable in the long run. Sure you'll find scams in weekly and monthly programs; however, the risk is slightly less then that of daily paying programs. 

It's hard to say exactly why Weekly and Monthly programs tend to last longer and be more secure then Daily paying programs. Perhaps it's because Daily paying programs don't have the ability to invest their funds into long term less risky investments, while weekly and monthly payers can invest their funds in more stable longer term investments. This also allows them to compound their funds. A program will only last as long as it's investments payoff a greater percentage then they have to pay to their members. This is why you're probably better off by placing your funds into a variable weekly paying program. 

Strategy 3 - (For experienced online HYIP investors)

In reality, I shouldn't be giving strategy to experienced investors since they've probably already made profits and know what works best for them. By being experienced, I mean you've gone through the ups and downs with HYIPs and learned what works and what doesn't.

Diversification was the key for the beginners and the novice investors. Diversification is also  the key for experienced investors, but it's a little more manipulative. All investors no matter how experienced you are and no matter what you're investing in, should diversify. 

However for experienced HYIP Investors, diversification means investing in more then 4-5 programs rather then 8-10. As one becomes experienced in the field, they learn what types of programs pay, and what ones turn out to be scams. Usually at any time, there are at least 5 top HYIPs out there that have been paying for a while and don't show signs of failure. As an experienced investor, you would diversify your funds among these 5 programs. 

Should you invest more in one than the other?

That's really up to you. I recommend keeping the investments in each program within 20% of each other. For example, if you have $10,000 to invest, your investments would look something like this:

Program #1 - $2,000
Program #2 - $2,400
Program #3 - $1,600
Program #4 - $1,800
Program #5 - $2,200

As you can see, all the investments are within 20% of the average investment ($2,000). This might be hard to do sometimes, but I've found that keeping the investments within 20% of the mean investment provides stability for your funds. Other than this, you have to see what works best for you.

Why Use Gold Currencies

Most, if not all HYIPs use Gold Currencies for funding investment accounts. Gold Currencies link together financial institutions and markets across the globe in a way that allows instantaneous value transfers with a fraction of the paperwork and fraud associated with traditional bank wires and credit cards. 

Here are some of the reasons that Gold Currencies are the best way to do business on or off the Net! They're cheaper! Transaction costs using credit cards or PayPal range from 2.5% to 4.5%. International bank wires cost, on average, $40 to $70 using Western Union.

Gold Currencies allow transactions to take place from as low as 0.1% to 1% on the very high end (e-gold). In other words, the cheapest Gold Currency on the net allows online transactions for FORTY-FIVE TIMES LESS than credit cards. 

Here's another thing. Bank wires in-country take at least three days to clear. International bank wires can take up to three weeks to clear! 

Gold Currencies solve these problems by allowing INSTANTANEOUS and NON-REVERSIBLE transactions! Gold Currencies solve that problem by allowing instantaneous transfers of money anywhere in the world! 

As the network of exchange agents and market makers grows, it's now possible to quickly and easily convert your digital currency to cash in any country in the world. 

Some Gold Currency Debit Cards allow account holders to withdraw their converted gold or silver bullion to cash through any ATM machine on the planet! This means that no matter where you are, if you can find an ATM machine, you can convert your Gold Currency into cash in the local currency!

There are several companies now offering Gold Currency linked debit cards. Gold Currencies are safe! Credit card fraud is becoming increasingly prevalent as hackers steal card numbers from computer networks, crooks root through your garbage and steal your identity, and other nefarious thieves devise ways to get your account number. 

Digital Currencies offer a higher level of security than credit cards. Even the lowest level of security for digital money, an account number and password, is a magnitude safer than a credit card. All a thief needs to steal a credit card is the account number. With digital currencies the merchant never sees your password, so it is impossible for a thief to steal it, unless you give it to him yourself (by letting him access your computer - see our article on protecting your computer from hackers). 

Gold Money supports digital certificates for customer identification. These certificates cryptographically verify that you are you. This makes it more difficult for thieves from accessing your account. 

Gold Currencies allow one thing that credit cards never will: Person to Person Payments. 

Gold Currencies Allow You to Protect Your Privacy! 

It's a known fact that traditional banks keep massive database tracking all of your account activity in the name of "know your customer" and "fighting the war on drugs". 

But in reality, we all know that those banks conveniently use those databases to sell information about their customers spending habits to other companies, and governments use that data to find excuses to confiscate your money and property. So, not only does your government have access to all of your spending habits, but so does any individual or organization who wants to buy it. 

Most Gold Currencies are based in "capital-friendly" jurisdictions with strict privacy protection laws. For someone to get your account information they have to obtain a court order in the country that your Gold Currency is housed. 

This means that true crimes can be prosecuted, but that your privacy will remain intact if you're just an average law abiding customer. Think of it as guaranteeing yourself the right to "due process". 

Furthermore, money laundering is not really an issue since you have to spend your national money (such as dollars) through an exchange agent in order to purchase Digital Currency in the first place. 

Since exchange agents all have accounts at banks with anti-money-laundering practices in place, this means that all money used to purchase digital currencies is theoretically "clean". Clean money in, clean money out! 

So, Gold Currencies are able to provide privacy to their customers, and still be able to guarantee that they're not being used for money laundering. As long as all the money coming in and out goes through banks with anti-money laundering practices in place, then money laundering is impossible. 

Furthermore, all of the Gold Currencies in business at this time are firmly committed to discouraging crime and money laundering, while at the same time protecting the privacy of their account holders. 

Why use Gold Currencies for HYIP investing? Because they're cheaper, faster, safer, global, and private. 

HYIP GLOSSARY

The following terms are directed toward High Yield Investment Programs (HYIPs). Please let me know if there are other words that need to be added to this list. Thanks!

Account Center - The account center is where you view (some or all of the following information is available) your statistics, profile, purchase positions, manage positions, withdrawal, advertising, referrals, contact us, and logout.

Auto-Deposit - When your money is automatically deposited into your account.

Auto Reinvestment Percentage - A certain percentage of cycled money is kept and automatically re-invested back into the program and stays for a certain time limit.

Back Room - The back room is where you view (some or all of the following information is available) your statistics, profile, purchase positions, manage positions, withdrawal, advertising, referrals, contact us, and logout.

Banner - An advertising tool provided by the company to promote the Program. Thus enabling you to earn Referral Commission for new signups.

Commissions - Compensation received for a Referral signup.

Compounding - To compute (interest) on the principal and accrued interest. Compounding is an option which you can increase your principal. If you choose 100% compounding rate, for instance, all your daily profit will be added to the principal. This way, on the following day, interest will be calculated on the principal + the amount of the previous profit payout.

Compounding Frequency - The number of compounding periods in a year.

Compounding Period - The length of the time period that elapses before interest compounds.

Compound Interest - Interest paid on previously earned interest as well as on the principal. For example, interest earned in one period earns additional interest during each subsequent time period.

Debenture - General debt obligation backed only by the integrity of the borrower.

Diversification - An investment technique intended to minimize risk by placing money in a number of securities. In a diversified portfolio, a decline in the value of one stock, for example, would not dramatically affect the overall value of the holdings.

Due Diligence - The process whereby a person investigates an opportunity, assesses the quality of the management team, and the key risks associated with an opportunity.

E-currency - Short for electronic currency.

E-Gold - E-gold is integrated into an account based payment system that empowers people to use gold as money. Specifically, the e-gold payment system enables people to Spend specified weights of gold to other e-gold accounts.

Exchanger - A company which is able to convert your cash dollars into e-currency.

Forum - An online community where members are able to post information to share with others. 

Funding - When you put money into your e-currency account using an authorized exchanger.

High Yield Investment Program - High Yield Investment Program is just what it sounds like, a program offering a high yield investment. 

HYIP - Short for High Yield Investment Program.

Interest - The price paid for borrowing money. It is expressed as a percentage rate over a period of time and reflects the rate of exchange of present consumption for future consumption.

INTGold - INTGold is a digital currency, online payment system, debit card service, and IntGold account processor. 

Login - To login is to provide your username and password in order to have access to the back room or member's area.

Logout - This enables you to end your session within a member's area of a Program.

Manage Position - Manage Position is located in the back room/member's area. This area provides information on your transactions in the program. All or some of the information is provided on the page: payment mode, amount invested, cycled amount, purchase date, expected cycle date, cycled, and paid.

Maximum Spend - The most amount that you can pay into a program in one day.

Member's Area - The member's area is where you view (some or all of the following information is available) your statistics, profile, purchase positions, manage positions, withdrawal, advertising, referrals, contact us, and logout.

Minimum Spend - The least amount of money accepted in order to join the program.

Non-Compounding - Does not compute (interest) on the principal.

Payment Processor - A Payment Processor allows anyone with an email address to send or receive payments using e-currency.

Profile - The personal information of a member.

Re-invest - This is the amount that you would put back into the program to cycle again.

Referral - A person that you referred to the program.

Referral URL - This is a web site link that contains your specific username or number that a referral would click on to view the program information. This enables you to get credited for their signup.

Risk - The measurable possibility of losing or not gaining value.

Sponsor - A sponsor is a person who has referred people to a program.

Statistics - The statistics shows information regarding your current program. The following information is available (some or all of the information is available) to view in your back room/member area: You view your total investment, amount paid, amount available, referral bonus, total referrals, referral URL, and if available downloads.

Withdrawal - A requested amount that would be deposited back into your e-currency account and not re-cycle through the program.

I hope you've enjoyed this educational report that was based on the wisdom of many savvy HYIP investors. This information is provided to help you get off to a secure and safe start. If you know of anything that I should include, please let me know. I'd be happy to hear from you.

As always, invest at your own risk, understand that private arrangements are by their nature high risk, and use only expendable funds. Past performance is no guarantee of future performance and any one of these, even if they have been around 33 years, can go down tomorrow. As long as you accept the risks and take your own responsibility for your decisions you will be just fine.

For a review and more information on HYIP programs, visit: Easy Money or Egold Club at http://egoldclub.cn!

To your money-making success,

Back to Top