The largest financial pyramids in history. The largest financial pyramids in the world State financial pyramids

5 minutes to read. Published 03/18/2015

A pyramid scheme is a money-making scheme and profits are achieved by continually attracting new investors rather than by investing in income-producing assets. For its monetary prosperity, the pyramid issues securities, since they are the most liquid and very convenient instrument. If the amount of financial infusion into the system is less than the amount of income payments, then we are talking about a pyramid.

Signs of a financial pyramid

The idea of ​​​​creating a monetary scheme was born in France and England in the seventeenth century. It first appeared in Russia in the 90s of the last century.

Signs of financial pyramids

• Illegality (no license).
• Concealment of financial information.
• Redistribution of funds between project participants.
• The need to pay an entrance fee.
• The earnings of a project participant registered earlier are always higher than those of a lower level.
• Guarantee of fixed interest payment.
• The place of registration of the company is somewhere on the islands.

8 famous financial pyramids on the Internet

Let's look at the most common monetary mechanisms currently operating on the Internet.

• MMM (founder Sergey Mavrodi)

The most massive pyramidal company was MMM JSC. The idea began to be promoted through advertising in the media. The monetary mechanism is rapidly developing due to the promises of the joint stock company to pay huge dividends.

The founder of the project, Sergei Mavrodi, is becoming a leading entrepreneur in Russia. Shares soar in price from 25 to 125 thousand rubles per unit, people rush to buy them. About 15 million people become investors. The system collapses in 1994. People are already paying 1000 rubles for a share, not 125 thousand.

Sergei Mavrodi is arrested. However, a week later a new pyramid appears. History repeats itself: shares rise, fall, points are closed, shareholders panic.

• Legion Financial Group

FG "Legion" is an international consortium of companies. Capital management is carried out by attracting investments, while funds of bank accounts with an AA-AAA rating, which are included in the world top 25 (WER), are used.

The financial group uses the Placement Program "PPP" (private placement programs), guaranteeing monthly interest payments according to the tariff plan for all investors. Interest is paid from the accounts of legal entities.

Legion has an affiliate program, due to which the investor also receives a percentage of the attracted capital. Income is also provided without your own investment.

• Financial group YES

Financial group "YES!" This is an association of a number of companies specializing in various areas of financial activity. The group consists of two organizations:

1. "YES! Invest", whose monthly income when investing money exceeds the interest rates of standard banks. The monthly net income of the financial group is more than 27%.
2. “YES!Credit” loan can be obtained in 30 minutes at 2% per day.

“DA!Invest” invests the funds provided by investors into “DA!Credit” and other reliable, highly profitable areas of business.

• Rostfinance Perm

RostFinance LLC (Limited Liability Company) is registered in Moscow and operates in all regions of the Russian Federation. The company provides entrepreneurs with step-by-step instructions for starting a business.

From the moment the client opens a business, RostFinance provides legal support and provides free staff training. The company helps an entrepreneur open an office in 5 days, with the average payback period for the business being 45 days.

Rostfinance LLC Perm also facilitates loan repayment on terms favorable to clients. Provides financial and legal services: credit broker, payment of loans in any bank in Russia, correction and challenge of credit history, legal assistance "Anti-collector".

The QNET company (QuestNet, Quest.net, QI) came to Russia in 2010 from Southeast Asia, its headquarters in Hong Kong.

QNET's field of activity is e-commerce: sales of personal care products, nutritional supplements, travel packages, energy-charged biodiscs.

The cost of products is not indicated on the website, but during a personal meeting, employees explain to candidates that each of them must buy goods worth 60-80 thousand rubles from the company. A client who invites one more person receives $200. All payments are made through an online wallet.

There are all the signs of a financial pyramid

1. Intrusive adware.
2. Lack of documents.
3. Incomprehensible diagrams.
4. The promise of fast and high earnings.
5. Conflicting products and entry fees.

• Financial pyramid Zeus

Business incubator Zevs is a business school, a legal project registered in Ufa. The number of participants exceeds 40 thousand people.

Each Investor contributes 10 thousand rubles, Co-investor 500 rubles, project participant 200. Zevs sells its services and products via the Internet.

The project has passed international certification, has an HTTPS protocol and protection against DDoS attacks.

• Financial pyramid Crocus

The Crocus financial group uses money-raising and lending schemes similar to those used by the DrevProm company, recognized as a financial pyramid.

Products of the group: microcredit and “co-financing” of loans.

What actually happens is this:

• the client takes the money to the company;
• crocus makes no more than three payments to the bank and disappears along with the funds;
• the bank sues the borrower and wins from him everything that was received due to the increase in interest and penalties.

The essence of the scheme is that clients are offered to repay the loan for a certain percentage (24-81%), depending on the amount of debt and the duration of the loan.

• Financial group NBF pyramid

The NBF company is called “Business Independence” and attracts investor money at 60% per annum. “NBF” consists of two parts: a microfinance organization and a collection agency.

The company raises money through a loan agreement with its collection agency.

Each of us makes the decision whether or not to invest in a particular project!

It is believed that the first financial pyramid in history appeared in 1717 in France. The creator of the pyramid, the country's Finance Minister John Law, had to secretly flee France. Since then, hundreds of times dishonest entrepreneurs have left hundreds of thousands of gullible investors high and dry.

The largest financial pyramids in history entered our current Top 5. They were selected not only by the amount of financial damage, but also by the number of defrauded investors. Among the pyramids were the notorious Russian companies MMM and Vlastelina.

5.L&G

The largest financial pyramid from the Land of the Rising Sun was founded by Kazutsugi Nami in 2000. The company promised a return of 36%, which attracted 37 thousand investors.

In 2007, the company defaulted, unable to pay off its obligations. Over the entire period of its existence, L&G managed to collect $1.43 billion.

In 2010, 76-year-old Kazutsugi Nami was sentenced to 18 years in prison.

4. Vlastina

The Vlastilina company was registered in Podolsk in 1992. According to the promises of the owner of the company, Valentina Solovyova, by investing half the cost of a new car, within a month it was possible to double the capital and purchase the coveted vehicle.

In 1994, the company began accepting deposits for the purchase of housing, as well as simply deposits, incl. in foreign currency. At the same time, the first interruptions in payments began.

In 1999, Valentina Solovyova was sentenced by the court to 7 years in prison, and in 2000 the fraudster was already released “for good behavior.” 16,000 people were recognized as victims of Vlastilina, who lost 536 billion rubles. and 2.6 million dollars.

3. Stanford International Bank

Texas billionaire Allen Stanford spent 15 years selling certificates of deposit to gullible citizens that guaranteed a high rate of return. Stanford was arrested in 2009. It turned out that the forged papers brought the fraudster and his family almost 7 billion dollars. With this money, the billionaire led a luxurious lifestyle and also paid bribes to supervisory authorities who covered up the criminal scheme.

In March 2012, 60-year-old Stanford was sentenced to 20 years in prison.

2. MMM

Over the 5 years of its existence, the pyramid issued 27 million shares, as well as 72 million tickets. They promised their investors in MMM 200% income per month. As a result, the number of depositors amounted to at least 10 million people.

The company, created in 1992, operated for 2 years with virtually no problems. However, in 1994, the tax service ordered that almost 50 billion rubles be collected from MMM into the budget. As a result, in August 1994 the company went bankrupt, leaving behind a debt to investors of 5 billion rubles.

1. Bernard L. Madoff Investment Securities LLC

This financial pyramid is the most famous that has ever existed. Created in 1960 by Bernard Madoff, the company was considered one of the most reliable investment funds. However, one fine day, Madoff's sons informed the authorities about their father's incredible frauds - he did not invest the funds entrusted to him, but simply transferred them to personal accounts.

As a result of the proceedings, it turned out that Madoff was unable to repay debts not only to citizens, but also to such reputable investors as BNP Paribas, Societe Generale, HSBC, Credit Agricole, Royal Bank of Scotland, UniCredit. In June 2009, the court sentenced Madoff to 150 years in prison. At that time, the fraudster was 71 years old.

There is no limit to human greed. The thirst for easy money just like that, in no time, turns off the ability to think logically, and even think with your head in general. Even the instinct of self-preservation disappears somewhere.

I am convinced of this every time I see another “adept” who has poured a lot of money into another “investment company.” And he begins to tell me that he will earn a lot, a lot, and everything will be fine with him.

Look. You think a lot:

Doesn't seem stupid. It seems like I have my own business. How does he not understand basic things, that money doesn’t just fall from the ceiling?

Where do those “apostles” who brainwash people like that study? Teach you how to write selling texts, huh? :)

Where is the limit to that thirst for easy money that turns even smart people into stupid zombies?

How many times can you repeat? there is no easy money. And they are not on the Internet. And don't look.

Signs of obvious financial pyramids

About the so-called HYIPs (High Yield Investment Program) - fraudulent projects that are disguised as investment funds with a high level of income. Projects like these help to invest money in cryptocurrencies, energy, or something else (depending on the invented legend). In fact, this is a financial pyramid. As long as investments are made and new people are attracted, the structure lives and even pays interest. As soon as payments exceed the inflow of money, the project is closed.

Sometimes it closes even earlier - at the very peak of the influx of money. And the founder of such a project disappears into nowhere with other people’s money.

Almost every year (or even more often) there are rumors that another investment project like this has failed. People make noise, yell, are indignant... and after some time they again take their money to another “cool European project with huge interest.” And everything is new. Everything is back to normal.

Some people like to play such gambling games every time. They are specifically looking for HYIPs that are still paying, and are trying to earn a little money before the pyramid collapses.

But the winners from participating in such a scheme (which, by the way, is illegal - this is financial fraud) are 1% of investors. Guess who's in it?

If you're so interested in the world of investing, remember (it’s so obvious and so simple!):

There cannot be a truly serious and large investment company that exists for two or three months and is registered somewhere in Cyprus or Malta;

If you are promised huge interest rates and huge income in a short time, this is also unclean. Where they promise more, they deceive more;

The website of a serious company will not be poor, with errors in the texts, with unfinished design and functionality;
- if they offer to sell a product that no one needs or does not exist;

If the affiliate program is well developed - you receive a percentage for each investor you refer - this is also a sign of a pyramid.

And one more thing: even if the company has a network of offices, has carried out a huge campaign to attract investors, with festivals and meetings, has an authorized capital, at the meeting you were given a company flag and pen and treated to a sandwich, and even allowed to sign an agreement - this means nothing. This is not a guarantee that you will not be scammed. On the contrary, the more they poke your nose in the authorized capital, the more they try to blur your eyes.

A real, live, fresh example is Vertex Life. It closed just the other day, leaving thousands of people high and dry. And there were offices in Kyiv and Moscow. They were supposed to open it in Lviv. Events were held, flags were distributed, and agreements were even concluded with investors.

At first there were glitches on the site. Then it turned out (according to the founders’ stories) that some IT specialist from the team hacked the database (!) and stole all the money (!!). You cannot enter the office - only by special invitation. And then bam... That's all. The site is working, but there is no withdrawal button.

The founders disappeared.

It's a shame? And how. But no one asked to invest money there (and the minimum investment was 100 bucks). They saw what they were buying... but they wanted to earn money very quickly and without hassle.

Let us repeat once again – there is no such thing as easy money. They are not available on the Internet either. Nowhere. The law of conservation of energy works: if you want money, make an effort.

Yes, there are masters who make money from “honest” HYIPs, but this is just luck for the time being. That's all.

Should you invest in cryptocurrency?

One of the fashionable investment options is for those who lack thrills. To cryptocurrency.

Citizens of the Russian Federation know that bitcoins and all cryptocurrencies in general are prohibited in their country. The Central Bank of the Russian Federation cites an article from the Constitution, according to which “the introduction and issue of other currencies (except the ruble) are not allowed.” In addition, the Central Bank considers bitcoins also a financial pyramid.

It's not worth the risk - a violation is a violation. And many scammers have scammed on this topic, promising to earn thousands of dollars on Bitcoin. In fact, they make money themselves...

By the way, the NBU also does not advise Ukrainians to carry out transactions with cryptocurrency. They say that if they are deceived, it is their own fault.

Bitcoin is at least more or less real - it is an exchange commodity, you can actually pay for services with it (I already wrote about this).

And his success haunts others.

They go further - they open platforms for investing in cryptocurrencies, which in fact do not exist. A real example now exists - S-coin. Again, the “serious European” company CoinSpace, has been on the market for several years. Here she came to the expanses of the CIS (according to legend). Registered in Malta. Offers investing in ghost cryptocurrency. There are no coins yet.

What else is given (and you think what it is, scam or not):

The site is a concrete crap on crutches with errors;

Does not work with any payment system. Only with banks (and at the moment it is not possible to work with cards on the site);

They were supposed to go public in October. Now they promise to come out in the spring (they admit that they have nothing);

They promise that immediately after entering the exchange, one S-coin will be equal to one euro;

They offer to sign for themselves and bring other investors.

Pyramid of pure water. Interest is paid from the influx of money from new customers. S-coin is sold and bought only within this site (a product no one needs...).

There are a lot of similar projects. Google about Helix (or read it if you're lazy) or OneCoin.

And after that...

If the world of investment beckons and you want to pour money somewhere, then first:

Register here and browse topics. You will learn a lot of interesting things. Including about obvious fraudulent projects - they are placed in a separate thread.

View the blacklist and . Constantly replenished and updated.

Study useful literature on the topic of investment. Don't go into the water without knowing the ford.

Invest in your business, in real estate, buy gold, in the end. Put money on a deposit or just travel around the world.

Don’t invest in any “cool European companies that are serious about things.” Check the information before you give your hard-earned money - news about scams and HYIPs can be easily searched for, literally at a dime.

Do you have extra money and really want to spend it somewhere?

Open an animal shelter.

Buy toys for kindergarten.

Buy a computer for your home school.

Buy medicine or help make repairs in the hospital.

At least they will sincerely thank you for this. And you won’t feel like a sucker.

Currently, there is often an opinion that Bitcoin is a financial pyramid with all the ensuing consequences. But is it? Let's try to understand the facts by compiling our list of sensational and stunning financial scams of the last century. The most famous financial pyramids from history are presented below.

It is no secret that not long ago the Central Bank of Russia labeled the above-mentioned cryptocurrency a financial pyramid. The motivation for such a decision is easily visible in the comments of officials from the department of the national payment system of the Bank of Russia. The analogy, in their opinion, is justified by the speculative nature of the transactions. They say that not only speculators aiming for easy money work with bitcoins, but also people paying for the said profit. In comparison with various kinds of securities, the security of this cryptocurrency is observed only in relation to the time spent by a person on its “mining”.

Definition of Financial Pyramid

So, how do financial pyramids work and what companies can be called that? This concept refers to a company that generates income and provides dividends for its investors solely through the continuous receipt of new cash deposits. The mechanism of the pyramid is simple - the income of the first investors comes from the deposits of the organization's next clients, who, in turn, from the next, and so on. In the vast majority of cases, the founders of the pyramid hide the main source of its income or make it false. The destruction of the financial pyramid occurs due to the cessation of new deposits.

Does it make sense to consider Bitcoin a pyramid scheme?

Unlike a financial pyramid, Bitcoin does not guarantee large profits for fund holders. In fact, this cryptocurrency is simply a convenient means of storing money and paying for various types of services and goods. Bitcoins have their own software and special properties, including the absence of inflation, the anonymity of depositors, the decentralized nature of activity, and the scanty cost of money transfers. As for the financial pyramid, its founder traditionally promises investors high profits, but the very essence of the pyramid does not provide for long-term viability, which deprives investors of the guarantee of profit.

For greater clarity, we will recall the nine largest and most devastating financial frauds of the last century.

1. Ponzi scam

The swindler Charles Ponzi is rightfully considered one of the creators of large-scale financial pyramids. Back in 1919, an enterprising Italian swindler, thanks to his powers of observation, developed a scheme to fool people. One seemingly ordinary day, a letter was brought to him. In addition to a piece of paper with text, it contained an internationally valid coupon. Such receipts could be exchanged for stamps and a reply letter could be sent to the addressee. An interesting fact: in the Old World, such a coupon was given one mark, and in the USA - six.

Having carefully considered his own observation, Ponzi founded a company in Boston, which he called “SXC,” focused on the purchase and sale of goods in different countries, and began to actively solicit investors. The swindler supported investor interest with promises to pay 150% of the invested funds after 45 days. Naturally, such attractive conditions could not but arouse increased interest among the residents of Boston. The process has begun.

In fact, Ponzi did not purchase exchange coupons at all, but acted in the now classic tactics of a financial pyramid - old investors received money from new ones; already in July, Charles received about $250,000 per day on bills. However, within a month, federal agents descended on Ponzi, checked his activities and liquidated the company as a financial pyramid. Lengthy legal proceedings led to Ponzi returning part of the money to investors, but another two million dollars seemed to disappear into thin air.

It's funny, the Italian swindler received only five years in prison for his activities.

2. Pyramid of Dona Branca

Portugal also had its own large-scale pyramid, and its founder was a woman; everyone preferred to call her Dona Branca. In 1970, an enterprising lady opened her own bank to enrich herself. To attract investors, she promised each of them a ten percent monthly interest rate. Naturally, such favorable conditions for rapid financial growth could not help but seduce thousands of people of different incomes from all over the country. For 14 long years, Dona Branca’s financial pyramid was alive and well; by that time, the woman herself had received the nickname “the people’s banker.” However, in 1984, the pyramid collapsed, which resulted in the arrest of Dona Branca and her imprisonment for a ten-year term. She spent the rest of her life alone.

3. "Double Check"

The diagram has no reference to chess. Shah is the surname of high school teacher Syed Shah from Pakistan. In 2005, the swindler arrived in his native Wazirabad from a long business trip to Dubai and immediately surprised his neighbors with the information that the trip had given him knowledge of an innovative exchange program. They say that if you follow this scheme, you can double your savings in seven days. The chosen fraud mechanism (doubling savings) formed the basis for the name of the scheme.

Starting with gullible neighbors, Syed Shah expanded his activities throughout the state. Within a year and a half, the scammer had received more than $880 million from 3,000 investors and was seriously considering running for political leadership in the region. However, law enforcement agencies confused his cards and made a quick arrest. It is interesting that even the publication of the swindler’s fraudulent schemes did not shake the faith in him on the part of deceived investors. Thousands of investors, their relatives and friends staged massive street demonstrations calling for Shah to be released. However, he is still in captivity and the investigation into his case is in the active stage.

4. Lou Perlman and his scheme

The name Lou Pearlman may not mean anything to the vast majority of readers, but everyone has probably heard, if not the music, then at least the names of the groups that he created. We are talking about such popular “boy bands” in the 90s as BackstreetBoys and ‘NSync.

However, in the United States, Perlman became known for his dark deeds, namely his financial scheme, which brought him $300 million. And all exclusively after deceiving various investors and banks! Lou Perlman started his criminal activities in 1981, when he founded more than ten different types of organizations that were just letters on paper. However, for 20 years, Perlman successfully sold shares in his “fake” companies!

Everything secret becomes clear, and as a result, Lou Pearlman’s criminal scheme was exposed. The swindler attempted to leave the United States, but he was caught and given 25 years in prison along with a fine of $1 million. Moreover, initially the punishment was much more severe, but Perlman agreed to cooperate with the court and admitted his crimes. It’s no joke, Lu’s fraud affected more than 250 individuals who lost two hundred million dollars, and 10 financial institutions that suffered losses of one hundred million.

5. European Royal Club

In 1992, swindlers Hans Spachtholz and Damara Berges with aplomb announced the creation of a non-profit association, the purpose of which was a noble impulse to lend a helping hand to small businesses and create an alternative to the large banks of Europe. The scammers proudly called their brainchild the “European Royal Club.”

According to the financial scheme of Spachtholz and Berges, people wishing to become members of organizations were required to purchase a so-called “letter”, which was essentially a share, for 1,400 Swiss francs. The owner of the “letter”, after purchasing it, received a guarantee of monthly income in the amount of 200 francs, which ultimately allowed the investor to expect to double his contribution after the end of the calendar year.

It was only after two years and a cumulative loss of $1 billion by hundreds of thousands of German and Swiss investors that the fraudulent system of Spachtholz and Berges was exposed. Interestingly, even at the moment the verdict was read out, the investors refused to believe that they had been deceived and whistled at the judge. Berges eventually received seven years in prison, Spachtholz - five.

6. Bernard Madoff's Pyramid

The swindler Bernard Madoff went down in history as the founder of one of the most famous financial frauds in the history of mankind. Several hundred companies and 3,000,000 people suffered from the fruits of the fraudster’s activities. Collectively, Madoff's victims lost nearly $65 billion.

Bernard Madoff approached the creation of the Madoff Investment Securities fund with thorough preparation. He has built an excellent reputation for his company through building an impressive client list. It included various banks, US elites and hedge funds. The reputable clientele acted as proof of the fund's reliability and profitability for those investors who had even the slightest doubt about Madoff's honesty. Bernard promised his clients from 12 to 13% per annum of invested funds.

For Bernard Madoff, the fall of 2008 became fatal, when several large investors demanded an amount of $7 billion from him. Then it became clear that the fund had absolutely no money - the pyramid collapsed. When federal agents, after a denunciation from Madoff’s sons, began to “dig” under the swindler, it became known that the fund had not been involved in investor funds for more than 13 years. The debt of Madoff's brainchild at the time the government took over it was about $50 billion.

Bernard Madoff was unlucky compared to previous founders of financial pyramids. For his fraudulent activities, he received a prison sentence of 150 years.

7. Wang Feng's Ants

The swindler Wang Feng, in his desire to get rich, invented a rather interesting and original scheme for making money. This Chinese man gave birth to the Yilishen Tianxi Group of China company in 1999. The investment fee for each investor was equal to $1,500. After investing money, investors received a box containing a unique breed of ants, and instructions on how to feed and raise them. Wang Feng convinced gullible investors that after 90 days of monitoring the insects, his assistants would come to them and pay for the ants. The insects themselves will be processed to create aphrodisiacs and medicines. Naturally, this sounded quite plausible, especially since the swindler very quickly began to get rich and spent considerable money on promoting his image, often appearing on newspaper pages and on television. Moreover, the state even awarded him a prize for being among the top 100 Chinese businessmen.

The organization was experiencing an unprecedented rise, but when its turnover reached two billion dollars, the pyramid collapsed, and the swindler himself was sentenced to death.

8. MMM

Even now, the name of Sergei Mavrodi evokes negative reviews in the Russian expanses. And no wonder, it was this swindler, taking his wife Marina and brother Vyacheslav to help him, who created the company “MMM” (the first letters of the founders’ surnames), which became the greatest financial pyramid in Russian history. This company expanded its activities widely in the 90s, promising investors up to 1000% dividends, and ultimately deceived millions of Russians. Over the five years of activity, Sergei Mavrodi became rich by at least one and a half billion dollars, was elected to the State Duma and trumped the immunity of a deputy. However, in 2003, the pyramid collapsed, and Mavrodi was arrested. To this day, he himself is sure that the Russian government is to blame for the collapse of his pyramid.

9. Insurance system in the USA

Fun fact, the Ponzi scheme we described above bears a recognizable resemblance to the American Social Security system. In 1935, then US President Theodore Roosevelt introduced an insurance system aimed at combating poverty among unemployed and elderly residents. As a result, the latter had the opportunity to obtain finance at the expense of the working American population.

It is clear that since that time the system has been stuffed with a number of changes and adjustments, but this does not negate its essence. As before, old investors live off the money of new ones. However, clouds are gathering over the United States - independent analysts are confident that already in 2018 the existing insurance scheme may die out. This is because there may not be enough money for everyone in need in light of the baby boomer retirement age approach.

In order to understand which company to invest in, you must always understand the principle of the financial pyramid, otherwise you can end up with nothing. People who invest their money in online financial pyramids that last from a month to a year expose themselves to a very high risk, even if the annual return is 100 or even 300%. If you really want to get serious about investing, then check out our " " page.

The best articles on investing on the Internet!

For decades now, the media have been accustoming people to one idea: you can’t earn anything from pyramids, you can only lose it. But is this really so?

But in fact, if you approach the process of investing in highly profitable investment projects professionally, then this type of investment can turn out to be very profitable. But what is the difference between a professional and an amateur?

One of the differences is that a professional has an investment plan with a well-thought-out strategy, which he strictly adheres to.

In this article, I decided to analyze in detail several strategies for investing in HYIPs that will help minimize risks, plan future profits and earn more money.

The first step towards a million.

Probably, most people invest their money in only one project, which they consider the most reliable. This approach is risky and more like gambling.

• Strategy “I’m like everyone else”
• Strategy "Brave Investor"
• Strategy "Steel eggs"
• Strategy "Rational Thinking"

The second approach is based on the principle of risk diversification, in which we try to minimize our risks.

• Strategy "I don't like champagne"
• Strategy "Wise Investor"
• Strategy “I’m saving for a funeral”

Below we will take a closer look at all the strategies described above and everyone will be able to choose for themselves the one that seems closer to them, based on their personal qualities, goals and financial capabilities.

Investing in one hype.

In this section, we will look at various investment and money management tactics when investing in one classic medium-interest HYIP with a perpetual deposit. For example, this could be a project with a profitability of 30% per month and a deposit included in payments.

We will calculate the strategy based on the following conditions:

• Long-term HYIPs with serious preparation according to the plan should live for more than a year. This is the number we will focus on. That is, we will assume that the project should last another year after you make a contribution.
• The second reason why the period of one year is taken is that the deposit usually works for only 12 months.

1. Strategy “I’m like everyone else.”

This is the strategy followed by most participants in long-term HYIP projects. The idea is that a person invests the entire amount in one fund and withdraws interest every week without replenishing his deposit.

By investing 20,000 rubles, you get 58,392 in a year. By investing 100,000 rubles you get 328,500.

Conclusion. This approach will help minimize risks and recoup your investment as quickly as possible when investing in only one project. But, as often happens, reducing risks also reduces profitability.

2. “Brave Investor” strategy.

The idea is that from the very first week a person begins to divide the payment into 2 equal parts. He takes 50% for himself, and invests 50% again in the project, thereby increasing the deposit.

In the presented calculation, we analyzed 2 cases: an initial deposit of 20,000 rubles and 100,000 rubles.

1 case.

In Elevrus, the minimum deposit is 3,000 rubles, so with such a small deposit we will have to save money for reinvestment within several weeks. As soon as the required amount accumulates, we immediately invest it in HYIP, thereby increasing the deposit and, accordingly, subsequent payments.

As a result, in a year we will be able to increase our deposit from 20,000 rubles to almost 78,000 rubles and at the same time earn almost 60,000 rubles.

Case 2.

In this case, from the first weeks, half of the payment is enough for us to replenish the deposit; it turns out that we are increasing the deposit every week.

As a result, our deposit increases over the year from 100,000 rubles to 513,000 rubles, and at the same time we earn 413,000 rubles.

Let's complicate the strategy.

Now you need to find out whether at some point you should stop reinvesting payments into the deposit and start taking it for yourself in full? To do this, in the last columns in both cases we add the income received up to this time with the current payment multiplied by the number of weeks until the end of the year.

Calculations show that the longer we stick to the strategy chosen at the beginning (split payments in half and reinvest 50%), the greater the profit we will receive, even if the hype stops paying immediately after the end of the year.

Conclusion. This approach increases risks, increases the period of “recapture” of the deposit, but ultimately increases income. If you started using this tactic from the first weeks, then you shouldn’t stop.

3. “Eggs of Steel” strategy.

The meaning of this strategy is that a person reinvests the entire payment amount back into the HYIP, thereby actively increasing his deposit.

For analysis, we will again take 2 cases: an initial deposit of 20,000 rubles and 100,000 rubles.

1 case.

The initial deposit is 20,000 rubles.

In this case, during the first weeks you will have to save money for a new deposit. But gradually the payments reach such a size that it is possible to reinvest every week.

As a result, over the course of a year, our deposit increases 19 times from 20,000 rubles to almost 377,000 rubles.

Case 2.

The initial deposit is 100,000 rubles.

In the second case, a deposit of 100,000 rubles allows us to reinvest earnings every week. Due to this, the deposit will increase 29 times from 100,000 rubles to 2,900,000 rubles.

Let's complicate the strategy.

Now we need to answer the question, when is the best time to stop increasing the deposit and start taking payments for ourselves if we plan for the hype to last a year?

To do this, we calculate how much money we can collect before the end of the year for each week. For both cases, it turns out that we can count on maximum income if we spend 39-40 weeks actively increasing the deposit, and after that we start withdrawing money in full, or switch to the “Brave Investor” strategy.

Conclusion. This tactic is very risky, because even the most reliable hype can collapse at any moment. And if this happens during the implementation of this strategy, the investor will lose his entire investment without receiving anything in return. But these tactics provide very rapid growth of the deposit.

4. Strategy “Rational thinking”.

I think this is also a very popular strategy. Its meaning is that a person first returns his entire contribution, and then switches to the “Steel Eggs” or “Brave Investor” strategies.

Below we will again consider 2 options: with a deposit of 20,000 rubles and 100,000 rubles.

1 case.

The initial deposit is 20,000 rubles.

We recoup the initial investment in 18 weeks, and then switch to the “Brave Investor” strategy. As a result, after a year we:

• we return our contribution
• we increase the deposit from 20,000 rubles to almost 50,000 rubles
• At the same time, we earn 29,600 rubles.

Case 2.

The initial deposit is 100,000 rubles.

We recoup the initial investment in 15 weeks, and, as in the previous case, we switch to the “Brave Investor” strategy. The results after a year will be as follows:

• we recoup the deposit
• we increase the deposit from 100,000 rubles to 305,000 rubles
• at the same time we earn 205,000 rubles

Conclusion. This tactic allows you to combine the advantages of different strategies. The good risk-return ratio makes this approach very popular among investors.

Investing on the principle of risk diversification.

Below we will look at tactics when investing in pyramids based on the principle of risk diversification (read more about why you can’t keep all your eggs in one basket).

To minimize risks when making money on financial pyramids, we divide the deposit amount into several parts and invest in various projects. In this situation, we will not depend on one hype, so this approach will work for many years. Some projects will be closed, new ones will appear in their place, and our deposit will grow and bring us income.

Let's take the average option with a yield of 3.5% per week and an average minimum deposit of 4,000 rubles.

5. Strategy “I don’t like champagne.”

The meaning of the approach is that a person invests money, scattering it across different projects. If one of the HYIPs closes, then he immediately finds a new project and makes a contribution to it. He takes all the payments for himself.

The calculations for this strategy are very simple. By investing 20,000 rubles, in a year we receive 36,000 rubles. By investing 100,000 rubles, in a year we receive 183,000 rubles.

Conclusion. This tactic is suitable for those who do not like to take risks at all. If you think that a bird in the hand is better than a pie in the sky, then this strategy is ideal for you.

6. “Wise Investor” strategy.

The essence here is the same as in the “Brave Investor” strategy. The investor takes half of the payment for himself, and reinvests the other half.

For example, let’s take 2 amounts: 50,000 rubles and 120,000 rubles.

1 case.

As a result, at the end of the first year we will increase our deposit from 50,000 rubles to 122,000 rubles and earn 72,500 rubles.

Case 2.

The initial deposit is 120,000 rubles.

In a year, our deposit will grow from 120,000 rubles to 289,000 rubles, and we will earn 174,000 rubles.

Conclusion. This tactic allows you to increase your deposit and consistently receive income from your deposit, and all this with minimal risks. I find this strategy the most interesting.

7. Strategy “Saving for a funeral.”

Here we completely reinvest the received payment, thereby increasing the deposit.

For example, consider the same amounts: 50,000 rubles and 120,000 rubles.

1 case.

The initial deposit is 50,000 rubles.

In the first year, you will be able to increase the deposit from 50,000 rubles to 294,000 rubles.

At the end of the second year, the deposit will increase to 940,000 rubles.

Case 2.

Initial contribution 120,000 rubles.

At the end of the first year, the deposit will increase from 120,000 rubles to 718,000 rubles.

After 2 years, the deposit will be 2,405,000 rubles.

Conclusion. Due to the fact that such tactics are not limited in time and the fact that the longer money is accumulated on a deposit, the more income you will receive in the future, there is a temptation to stick to this strategy longer and receive a huge income in a few years.

Conclusion.

I think the calculations presented in this article have shown you that you can earn a good income in HYIPs. You can choose from the 7 presented tactics the one that you consider suitable for you.