HYIP: The Goods and the Bads

HYIP stands for High Yield Investment Program. While a HYIP may sound enticing, you should be careful; many HYIPs are little more than thinly disguised ponzi schemes.

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

Those HYIPs that are not ponzi schemes are frequently outright scams. Investors not only are never paid any interest yield, they also never see their original investment in the HYIP again either. If the returns sound too good to be true, the HYIP is likely too good to be true. Claims of secret banking systems and alternative financial networks are simply false. In fact, the problem became common enough to cause the Federal Bureau of Investigation (FBI) to issue warnings about being taken in by the claims made in these fraudulent programs. You are probably best off if you heed their warnings.

If you are considering on making an investment in a HYIP be certain to do diligent research first. Any legitimate security that is sold to the public must be registered with the Security and Exchange Commission (SEC). If the HYIP you are considering is not registered, you should not invest. Other questions to ask yourself include, whether the claims to good to be true, and how the people running the program generate the high yield returns that you are being promised. You should be careful of the claims people make regarding some secret network or principle that allows them to make excessive returns. If the proponents of the HYIP cannot or will not explain how the returns are made then you may want to avoid investing in the program.

Nowadays HYIP scam are rampant so you must be careful in choosing the program you will be investing. There are some HYIP that are legit and pays their investors. According to http://www.hyipexplorer.com/ these are the list of legit HYIP:
1. TopFinancial
-Minimum Deposit : 10 USD
-ROI(Return Of Investment): 1.1% -2.1% Daily
2. YES-Investment.Com
-Minimum Deposit : 5 USD
-ROI(Return Of Investment): 0.8%-6% daily
3. EZ-Profit.Net
-Minimum Deposit : 5 USD
-ROI(Return Of Investment): 5% Daily
4. GoldenInvestment.Net
-Minimum Deposit : 10 USD
-ROI(Return Of Investment): 6% Daily
5. Proxima Titan Funds
-Minimum Deposit : 10 USD
-ROI(Return Of Investment): 1.5% to 2.7% daily for 150 days

According to http://www.hyipranks.com/ here are their list of legit HYIP:
1. TopFinancial
-Minimum Deposit : 10 USD
-ROI(Return Of Investment): 1.1% -2.1% Daily
2. Funds Wide
-Minimum Deposit : 10 USD
-ROI(Return Of Investment): 1.75-1.95% daily for 120 days
3. Cherry Shares
-Minimum Deposit : 50 USD
-ROI(Return Of Investment): 1.1% daily for 150 business
4. Green Financial Services
-Minimum Deposit : 10 USD
-ROI(Return Of Investment): 1-3% daily for lifetime
5. 123 Gains
-Minimum Deposit : 10 USD
-ROI(Return Of Investment): 1-2% daily for 60 days

These are the top 5 of the two websites that rank the HYIPs so by just studying the investment and the ROI we can observe that you can really get a great deal of money with this kind of program. This kind of programs present greater risks to be a scam so before choosing what HYIP to join be sure you got the grasp of the details about it and consider the risk and potential earnings. Evaluate all the aspects before deciding, find some forums or HYIP ranker website that discuss what are legit or sam programs. Basing on the 2 HYIP ranking website, the best bet would be that TopFinancial is legit and really pays its investors. Just a piece of advice "Don't squeeze if it is not worth the juice!!", so don't take the risk by putting your hard-earned money to any program if you're not sure that you can get advantage of the program.