High-yield investment program

Operators generally set up a website offering an "investment program" which promises returns as high as 45% per month or 6% a day, disclosing little or no detail about the underlying management, location, or other aspects of how money is to be invested. The U.S. Securities and Exchange Commission (SEC) has said that "these fraudulent schemes involve the purported issuance, trading, or use of so-called 'prime' bank, 'prime' European bank or 'prime' world bank financial instruments, or other 'high yield investment programs.' (HYIP's) The fraud artists … seek to mislead investors by suggesting that well regarded and financially sound institutions participate in these bogus programs."^[1] In 2010, the Financial Industry Regulatory Authority (FINRA) warned that "[t]he con artists behind HYIPs are experts at using social media — including YouTube, Twitter and Facebook — to lure investors and create the illusion of social consensus that these investments are legitimate."^[2]

Though Ponzi schemes have existed since at least the early 1900s, the rise of digital payment systems has made it much easier for operators of such websites to accept payments from people worldwide.^[3] Electronic money systems are generally accepted by HYIP operators because they are more accessible to operators than traditional merchant accounts. Some HYIP operators opened their own digital currency companies that eventually folded; these companies include Standard Reserve, OSGold, INTGold, EvoCash, and V-Money. StormPay was started in the same way in 2002, but has remained in business even though the HYIP that it was created to serve was shut down by the State of Tennessee.^[4]

Some HYIPs have incorporated in countries with lax fraud laws to secure immunity from investor laws in other countries. The operators have been known to host their website with a web host that offers "anonymous hosting". They will use this website to accept transactions from participants in the scheme.^{[5][original research?]}

Some investors try to make money by attempting to invest in HYIPs at an early enough stage to create a return, and then by cashing out before the scheme collapses to profit at the expense of the later entrants. This is in itself a gamble as poor timing may result in a total loss of all money invested. To reduce this risk some of these investors use "tracker sites" listing the schemes and their current state. One expert states that there is not enough evidence to corroborate that tracker sites can actually help investors make more money.^[6]

HIGH YIELD INVESTMENTS

The writer is not a professional trader or investment advisor and readers use this information at their own risk. Based on over 30 years investment experience the writer suggests methods to obtain high yields of 9% and 10% or more.

If you have savings sitting in a bank account earning a pitiful less than 2% interest you need to improve your return. Yes, the bank is safe and you cannot lose your money. Putting money into the stock market is always risky but you should never buy and hold any stock forever. One needs to keep track of all investments. If you have a $10,000 savings account at 1.5% interest you earn $150 for the year. At 10% you earn $1000 per year. Which investment do you want to make?

I break down investment into the following areas: property, bank savings accounts or cash, so called blue chip stocks, high yield income trusts, income funds and stocks. High yield does not have to mean high risk. I have studied fifty such high yield investments and hold most of the ones I mention in this article. There are hundreds of these high yields investments listed on the stock exchange. Why more people do not invest in these high yield funds, trusts, and stocks is a mystery to me. Many of these have at least a 5 to 10 year track record. Yes, they go up and down with the market but you can always sell if a big drop in the stock market happens and buy it back at the low point. Ride them back up and you can make some big returns. They trade just like stocks.

Very rarely do you hear Cramer speak about these investments. Every now and then he gives a heads up to NLY which yields over 14% a year but that is about it. Cramer is about mad money and trading. If you need to generate a steady income stream then the investments below may be considered.

Out of the fifty high yield investments, I have selected six that offer yields over 9% a year and are somewhat very stable over time. All of these have at least a 5 year track record of pay outs. You can look at the history and current prices at www.bigcharts.com . Most of these pay monthly distributions. Which means if you do not take the cash out then you can reinvest your money to compound it. All of these can be purchased and sold just like common stocks. With on line trading it is easy to buy or sell whenever you like.

PHT - Pioneer High Income Trust, now at $16.49 per share has an 8 year track record and currently provides a yield of 10%. This pays out monthly so a 10% yield /12 months = 0.833% per month.

PHK - Pimco High Income Fund, now at $13.85 has an 8 year record and provides a yield of 10.5%. Payment is made monthly.

EOS-Eaton Vance Enhanced Income Fund has a 6 year operating record and now yields 9% per year, currently at $12.28.Distribution is paid monthly.

EAD-Wells Fargo Advantage Income Opportunities Fund II, at $10.05 has an 8 year record and yields 10.1%. Distribution is made monthly.

AGD- Alpine Global Dynamic Dividend Fund now sells for $7.73 and yields 9.3% it has about a 5 year track record. Payout is made monthly.

NLY- Annaly Capital Management Inc. has been around 10 years and yields over 14%. Dividends are paid quarterly.

Purchasing these six can provide you with your own high yield custom made mutual fund. These cover property, global stocks, bonds, and so forth. Obtain a copy of the prospectus before you buy. DISCLAIMER / WARNING: Use this information at our own risk. The writer is not responsible in any manner for any loss readers may have in the market. This article is meant to be educational information only. Reading this article absolves the writer of any and all legal actions by direct or indirect parties. The writer is not a professional trader or financial advisor.

How to Find The Best High Yield Safe Investments Read more: http://www.ehow.com/how_4748462_high-yield-safe-investments.html#ixzz2YyQehdKM

A lot of people today have been stung by the current financial conditions, whether in stocks or otherwise. And, as a result, many are running for cover and seeking the safest money investments they can find to shelter their assets until the economy turns around.


We're seeing many investors now moving their money into investments like cash and "treasuries" that aren't going to keep pace with inflation. And although they aren't happy about losing money with any investment, they are settling for losing a little versus losing a lot somewhere else (e.g. the stock market).


I too have taken a more conservative approach with my investment portfolio, but I want you to understand that you can still find high yield safe investments right now if you know where to look! That's the key: most people don't know where to look, so they're settling for break-even or money-losing investments, when they don't have to.


"You can still find high yield safe investments without having to settle for break-even or money-losing assets! And I'll tell you where to find them."


Below, is important information about two of the most secure, high yield safe investments you can make today.

One is a very timely short-term investment that is expected to continue flourishing for the the next 2-3 years.

The other has been a cornerstone investment for many of the world's wealthiest investors for generations because it can deliver both asset security and superior yields. Best of all, it is expected to flourish for the next 25 years and I'm going to tell you exactly why, how and where this is happening! Have a question? Get an answer from a Personal Finance Professional now!

High Yield Investments For Income

High yield investments offer additional income, but remember with high returns come greater risks. When you evaluate investments that appear to pay more you should approach them like Sherlock Holmes… with a healthy degree of skepticism. Be sure to question everything, and pay attention to the details.

Doing your detective work means knowing how the high yield investment generates its returns, and what factors would cause those returns to go down. Then and only then should you consider buying it.

Start your search for yield with the list below. Just don't forget, although they may generate a significant amount of monthly income, with high yield investments, expect your principal to fluctuate, sometimes drastically. The reward for such risk? Yields which are significantly higher than safer alternatives like treasury securities.

High Yield Bonds

High yield bonds are issued by companies whose financial strength is not rock solid. They must pay a higher yield than other safer alternative in order to attract investors. You can buy individual high yield bonds, but most investors would find high yield bond funds to be a more attractive and diversified option. Learn more about high yield bonds:

Quit Suffering From Low Yields

This article originally appeared on Traders Reserve.

There are some less traditional income investments that every income investor should know about in this low-interest rate environment. Forget money markets, CD rates and dividend stocks that often don’t even beat inflation (giving you negative returns). Why bother with them when there are sectors and asset classes that offer you double the yield, along with nice capital returns.

Smart investors are finding new high-yield investments within industries that pay out yields in excess of 8% as a result of passing through higher profits from strong operations. The investments you can purchase in today’s market are by design pass-through securities, meaning they pass through 80%-90% of all net income to shareholders in the form of dividends and distributions.

Investments in closed-end funds, master limited partnerships and REITs that are raising their payouts because business conditions are strengthening, not because they are leveraged to the eyeballs like the companies financed by junk bonds or bad mortgage debt.

Here are six high-yield investments every investor should know about: