It is worth accepting as inevitable that any HYIP closes sooner or later. That is the normal order of things in the HYIP industry. Reliability in HYIPs is a fairly debatable concept, but it is still worth working out which type of HYIP is most effective to deal with.

Let us start with the most lucrative: high-percentage HYIPs, which can bring an investor 60% a month and up. Such projects usually last no more than one cycle. There are exceptions, though, such as Forex King. Most often the success of projects that can run for about a year (an extraordinarily long time for a HYIP) comes down to having a capable admin. There are very few such projects, however.

Let us go through the downsides and upsides of high-yield projects. On the positive side there is, naturally, a large return and a rapid move into profit, usually much faster than in other projects. As for the minuses, they are enormous risks. To pay percentages like that, investors have to arrive in shoals - huge ones - or have iron confidence in the project so that they reinvest. Whether all these conditions come together is a big question. And from investors' extensive experience it is known that such projects most often close very quickly. That said, if you are the sort who likes a knockout dose of adrenaline, this is your thing.

The second type of HYIP is mid-yield. These usually pay from 15% to 60% a month. Mid-percentage projects are, perhaps, half of all existing HYIPs. If the admin is capable and knows what they are doing, such projects can run quite successfully for around four months, and possibly longer.

The only negative is that the project needs a good, steady inflow of funds to exist, and that is not always the case. In mid-percentage projects the positives outweigh the negatives. First, you will most likely move into profit quickly. Second, the profit may not lag far behind high-percentage projects, at lower risk. Third, mid-yield HYIPs are something between high- and low-percentage ones - something that gathers the advantages of both. And fourth, mid-percentage projects are the most popular type of HYIP, so investors are drawn here more, which provides exactly the inflow of funds a HYIP needs to operate.

The third type is low-yield. These give investors up to 15% a month. It is hard to single out any standout projects here, because the audience is smaller. Low-percentage projects most often run for about a year, though they may last two, or may close after a couple of months. Again, it all depends on how the project was prepared - in other words, on its strategy.

The minuses of this type include, as you would expect, low profit and a fairly long wait to move into profit (and few people like waiting); it also happens that admins ask too high a minimum to enter, and it is hard to pick a genuinely worthy project at this level. Still, there are pluses. First, low-yield projects do not require a large inflow of new investors, unlike the two types above. Second, participants here reinvest more willingly. The third plus is that admins are most likely set up for a fairly long run, otherwise they would simply have preferred another type of HYIP - which means the legend will also be good and most likely even truthful; that is, these may be real people working in physical offices.

So where is it more effective to invest after all? Unfortunately there is no single answer. Everything depends on the individual investor, their wishes and their means. Many investors combine HYIPs and work with one or two types, or perhaps all three. It really is worth working with every type of HYIP - but be selective and pay attention only to the most promising and reliable projects. Do not avoid high-yield ones: yes, there is a certain risk, but worthwhile projects turn up there too. Nor should you fear low-percentage HYIPs, because they will give a smaller profit but keep risks to a minimum. So be open to everything new, invest with a light heart, but do not lose your vigilance when choosing - and then events will play into your hands. Good luck!