HYIP Glossary

The list of terms that often used in HYIP:

Account Balance
The ballance of one's current account inside a program. These funds can be used to withdraw or to invest into program's investment plans.

Account Center
It is where you view(some or all of the following information is available), your statistic, profile, purchase positions, manage positions, withdrawal, advertising, refferals, contact us and logout.

Account Number
The unique number of a personal member account.

Active Deposit
The amount of money that is actively engaged in the money making program.

Affiliate Program
same as Referral Program

Auto-Payment
same as Instant Withdrawal

Auto-Withdrawal
same as Instant Withdrawal

Back Room
same as Account Center

Banner
An advertising tool provided by the company to promote the Program. Thus enabling you to earn referral commission for new signups.

Betting
Some HYIP programs make money on differrent kinds of bets e.g. sports.

Bonus
Funds the administrator adds for some reason to the member account differing from any planned earnings.

Commissions
Compensation received for a referral signup.

Compounding
This is the concept that one earns interest on the interest he have already earned. At first, your money grows slowly, but as time passes, your money grows more rapidly. This is often considered the "eighth wonder of the world".
Example: You deposit $400 to the program with 5% interest and 25% compounding. When you receive you payment 25% will be added to your deposit and 75% you'll receive to your account. So you'll receive (5%*$400)*75%=$15 and your deposit will become $400+(5%*$400)*25%=$405

Compounding Deposit
A deposit with the compounding option used.

Compounding Percents
The percent of earning which is deposited back into the system.

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

Deposit
The funds deposited into the program.

Deposited Total
The total amount of money ever deposited into the program to date.

Diversification
The concept of spreading the money among a number of different investments or investment programs in order to reduce risk. It's the idea that one shouldn't put all of your eggs in one basket. Advice: Diversification is a good way to reduce your risk and exposure to the market. Every good portfolio should be diversified. The level of diversification is up to you, though.

Downline
The people one recruited (his referrals), plus the people they recruited, and so on.

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 an e-currency, issued by e-gold Ltd., a Nevis corporation, 100% backed at all times by gold bullion in allocated storage. Read more at About e-gold.

Earned Total
The total amount of interest one's investments have ever earned inside the program.

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

Exponential Growth
same as Compounding.

Foreign Exchange Market
same as Forex

Forex
Market for trading currencies internationally. The foreign exchange market is a decentralized market that has no physical exchange floor. Trading is done over the counter, via phone, fax or electronic distribution networks. Turnover in this market is approximately $1.5 trillion USD daily, making it the largest, most liquid financial marketplace.

FX Market
same as Forex

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.

HYIP
A High Yield Investment Program. These programs claim to invest in high risk, high yield opportunities. An HYIP can be both offline or online, and maybe be investing in a variety of markets. A large portion of online HYIP's are simply ponzi schemes that call themselves HYIPs. Usually every high yeild program goes with quite a risk, so it will be helpful to use divesification while investing in these programs.

Instant Withdrawal
The system payment feature which processes the withdrawals automatically when a member makes a request.

Interest Rate
The amount of money in percent that a borrower pays to borrow money (a HYIP pays to investors). For example, if a $100,000 investment has a 5% monthly interest rate, the program will have to pay $5,000 each month (or any specified period) until the program ends. The goal for investors is to earn the highest interest rate possible without sacrificing any security.

Investment Package (for HYIP)
A set of similar investment plans grouped by some similar properties (payout ratio, compounding feature or other).

Investment Plan (for HYIP)
The investment proposal with a pre-defined interest rate, initial deposit range and other options. One program may have many additional plans grouped in investment packages.

Laddering
Purchasing bonds that mature at various intervals. This provides the investor with greater regularity of income.
Advice: Bond laddering works by purchasing bonds with different maturities. For example, you might purchase 3 year, 5 year, and 10 year bonds. By doing this, you are giving yourself greater liquidity because your bonds will be maturing periodically. If you simply bought three 10-year bonds, you would have to wait 10 years to see any of your money returned to you.
Bond laddering is a good idea for anybody who needs liquidity and a greater certainty of receiving their money at periodic intervals.

Liquidity
Liquidity refers to the ability of people to get into and out of investments. A "liquid" stock is a stock with a lot of volume that is easy to buy and sell. A "liquid" investment is an investment which is easy to withdraw. A liquid investment is one that you can buy and sell easily and quickly. An example of a liquid investment is a bank account. You can go to the bank and take your money out quickly and easily. An example of an illiquid investment would be real estate. If you want to sell your house, you have to put it on the market and could end up waiting over a year to get your money. Or an investment with a non-withdrawable principal. Understanding how liquid you need to be is important. Obviously, if you're in college, you want to be liquid so you can make your tuition payments. If you're retired, you'll want to be liquid to pay your living expenses.

Maturity
It's the length of time that you have to wait until you get your money back. Or one can say: this is the date the borrower has to repay the lender the principal.

Maximal Deposit Withdrawal Duration
A time period after which the program member cannot withdraw his deposit.

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

Member's Area
same as Account Center

Minimal Deposit Withdrawal Duration
A time period after making the deposit during which the program member cannot withdraw his deposit.


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

MLM or Multi-Level marketing
Money-making programs which require participants to market and sell things in order to make money, and the money earned is based not just on how much was sold, but also on how much was sold by the other participants you've recruited.

Payout Ratio
The percentage of earnings paid out in dividends. It is calculated by dividing amount of all dividends by amount of all earnings.

Penalty
It is a sum of any currency which administrator removes from the user account and transfers into the system.

Ponzi Scheme
The term Ponzi is derived from the actions of a man names Charles K Ponzi. It is any program or claimed investment opportunity which relies on new investments to pay off the older ones. Those whom invest first are thus paid their returns from those who invest after them, leaving the last investors the ones who lose out. Many HYIPs who claim to be trading, investing, etc are really only running a ponzi scheme. Some have also compared the US Social Security system to a ponzi scheme.

Portfolio
All of your investments. If you own five stocks, a bond, and have bank CD's, those would be collectively referred to as your portfolio. When you hear a person talking about their portfolio, they're just referring to all of their investments. If they say their portfolio is up 12%, it means the average return for all of their investments has been 12%.

Principal
The initial deposit one makes to the account. This excludes any compounded earnings added to the deposit.

Principal Withdrawal
Many programs do not allow to withdraw principal. It damages the liquidity but assures the program owners that the money deposited to their system will remain there for long.

Profile
The personal information of a member.

Referral
The one you recruited to join the program or to make an investment (your referral). Many companies usually pay for the refferals their users or members recruit a persent of referrals' earnings or of a deposit. It is called a Referral Program.

Referral Percent
A percent of an amount that someone's referral deposits into the system or a percent of his earnings which goes to the upline.

Referral Program
A money-making program where you earn money based on recruiting others into the program (referring). Many companies usually pay for the refferals their users or members recruit a percent of the referrals' earnings or deposits.

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.

Re-invest
To put back an amount into the program to cycle again. Closely related to compounding.

Return on Investment
A profit or loss from an investment. An individual's return on investment is easy to calculate. If you invested $20 and earned $30, you would have a 50% return on your investment.

Risk
The measurable possibility of losing or not gaining value.

Spend
(used as a noun) a payment, deposit, transfer of funds.

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

Sponsored
The listings can pay for being "sponsored" and thus to be listed at the top of the current section. But it doesn't influence the listing's rating, payout or any other statistics. Neither it influences the listing being Normal, Trial or Premium. So please while choosing the HYIP site to invest pay greater attention to the money invested and earned statistics, site's design and the such.

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 account center: You view your total investment, amount paid, amount available, referral bonus, total referrals, referral URL, and if available downloads.

Total Deposit
The total amount of money on all the active deposits inside the program .

Transaction
Any single funds movement into, out of or within the system.

Transactions History
The history of all your transactions.

Upline
The people who recruited you, plus the people who recruited them, and so on.

Withdraw
To withdraw money means to call them off the HYIP or any other program.

Withdrawal
The transaction when one transfers funds from any account in the HYIP or any other investment program to any account outside the program.

Withdrawn Total
The total amount one have ever withdrawn to date.


Thanks to my friend, the contributor =)

Kind of HYIP

NOTE: The ROI(Return of Investment) here is your capital+profits.

1. Short Term HYIP

This kind of HYIP has the short periode of investment, between 0 day(hourly) to two weeks. It means that you can get the ROI in just one day to two weeks. Since the ROI(Return of Investment) here are in a short time, the profit rates given are also high. The interest rates here are usualy between 5%hourly to 200% a day.

2. Medium Term HYIP
This kind of HYIP has the medium periode of investment, between two weeks to two months. Therefore, you can get the ROI in two weeks to two months. The interest rates here are usually between 8% a day to 100% weekly.

3. Long Term HYIP
This kind of HYIP has the long periode of investment, between two months to forever(until the program is closed offcourse). In this type of HYIP, usually you will get the ROI in at least two months or more. Since this is a long term investment, the interest rates here are small(but still bigger than in bank and deposit investment rates), usually between 0.5 % a day to 10% a month.

4. HYIP Game
Actually this kind of HYIP is not the investment, it is the money game. The sistem used here is ponzy, new members pay for the old member. The periode of this HYIP usually short or medium. Since this is the ponzy money game, the admin will close the program if the withdrawal reach 85%-90% of total deposit. One thing to remember, if you want to join this HYIP, the earlier you join is better.


5. Private HYIP
As the name, private HYIP, this kind of HYIP is no longer open for the new member. It means that it only allows the old members to make investment there. It usually becomes a private because the admin wants to prevent his/her program running collapse by cannot manage a large amount of members and funds. Moreover, private HYIP is usually a medium or long term and the minimum investment is big enough, minimum $50 to $5000 to join that HYIP.

NOTE:
The profit/interest rates in most HYIP are counted include of your capital. For example: You invest $100 in HYIP that offers profits 60% a day periode in 2 days. So after 2 days you will get the ROI $120(100% your capital + 20% profit).

What is HYIP?

We know the conventional investment like saving your money in bank and get very little interest. Or may be investing money in some deposit program that are held by bank and get the higher interest than in the ordinary bank saving, but usually the minimum fund to deposit is very high. Thus, HYIP is another option for you to invest your money if you want the high interest by investing a little money.

So, what is HYIP? HYIP stands for High Yield Investment Program. It is the investment program that gives the higher rate interest than saving your money in bank and deposit investment without put a large amount of capital since HYIP allows investors to invest even in a very small quantity.

However, as with other investments, high gain means high risk. There are some dishonest admins of HYIP that close their program without any announcement and refund. So, remember just spend the money that you afford to lose because nobody would know when some HYIPs are going to be closed(scam) which is mean that you will lose your money if those are closed and no refund.

Well, those statements above are not to prevent you of investing your money in HYIP, but to remind you to do the HYIP investment smartly and carefully. If you invest your money in HYIP smartly and carefully, offcourse you will get profits. Also don't worry if you don't know how to do it smartly and carefully, I will share my tips that you can read. So, what are you waiting for? GO AHEAD AND GET SOME PROFITS.