- Instant Exchanger


     HYIP is acronym for High Yield Investment Program. As the name suggests, these type of investment programs always come with great profits on investment made by investors and there is normally a great percentage of risk involved.

Strategy On How To Invest in HYIP

     What is a program with potential? Is it the program with the highest interest rate? No, those are probably the ones that may end up disappointing you. Stop for a minute and think: is it possible that an investment fund is able to pay you 5% a day, for a long time? Well you know it, of course not! Paying 5% every working day means 52 x 5 x 5% = 1300% a year! High Yield Investment Programs (HYIP) will offer you anything between 0.7 and 5% per day, sometimes even more than that. Sometimes they offer a percentage of more than 100. This only means that, hopefully, you will get back the money you invested (the principal).

Symptoms of HYIP Scam

1. Guarantees
There is no investment program that can provide guarantees or should. This is solely because the government is on the look out for programs such as these. It is advisable that you also do the same to be on the winning side. A guarantee of 15% return every week is a red alert. Be warned that it is a scam and you should take a run for it!! Investment markets are dynamic and fluctuate from one minute to the next. The only thing you should look forward to is a chart of the programs history but this does not in any way guarantee success in future.

2. Egold
Be on the lookout for programs that need to get your money via this service. Egold transactions cannot be reversed. They are permanent and cannot be stopped. This is an alert of HYIP scam because this person doesn't want to provide refunds and just disappears with your cash.

3. High Returns
Unrealistic returns are a definite signal a company is a scam. 20% to 30% monthly should be a cause of alarm for anyone on the lookout for an investment program that is worthwhile. Stocks usually average about 5-7% return annually. This is just the average and the best performing ones may only go as high as 30% percent in a single year.

Symptom of Fast Falling HYIP

1. The ROI. 1-3% a day is realistic.

2. The website. If it has poor design or it has that common HYIP script used by 80% of the HYIPs, then this is a falling HYIP.

3. To find out if it is a falling HYIP, check the Whois info. It is a positive sign if the domain has been registered for more than one year.

How To Avoid HYIP Scam

     Whenever you want to invest in HYIP and avoid a scam, ensure you do a thorough back ground check on the company or group you are investing in.

Remember to:

•Have a look at HYIP forums, they all have rating systems. Beware of HYIPs with problems or are not paying.

•Go for programs with short investment-durations. Investing money for a year in a fund that probably won't last that long, is not very clever. The higher the interest rate, the shorter the investment-period should be, keep it limited to one week if possible.

•Give preference to programs that pay back the invested sum. Programs that do not pay back the principle, promise high interest rates instead. The idea is that in time you will earn back the invested sum. But time in relation to HYIPs is a precious commodity.


     It is very easy to get pulled into a HYIP if you get paid once or twice, but don't fall prey into these scams. You will be on the losing end when you discover that all your hard earned money is lost. Most of these HYIP no longer exist. They have shut down, with so many people's money.

     HYIP involves high risk taking and unless you are willing to go through the agony and pain of losing money, DO NOT get involved in it. Even if you do get returns from these HYIP programs, you are in essence stealing from someone less fortunate, and the cycle will continue. The lifetime of a typical HYIP does not exceed one year, of course there may be exceptions. Often it is a matter of months or weeks. Here today, gone tomorrow. It seems a hopeless task to select a potential program, doesn't it?