First, I apologize for not putting up any updates for awhile, I’ve been extremely busy, that coupled with the fact I’ve been wrapping my head around how to write this review caused a bit of a delay. Now, as most of you hopefully know by now, the goal of this blog is to provide you all with some information about HYIPs. I attempt to provide a bit of light about how they work and give you all fair warning about the risks involved if you choose to invest in these online programs.

If you’ve taken the time to read my walkthrough article, What is a HYIP?, you’ll know that it’s my opinion that most, if not all, HYIPs are schemes set-up to take your money, offering unsustainable profits on money that you invest. The programs close after a time, and most people lose money. If there’s anything I can tell you, there is no way to get-rich-quick by investing in HYIPs.

This is my honest opinion. You might get lucky, choose a few choice programs and make some money, but if you stick around and invest in multiple programs, you’ll lose with some also. So, as I’ve said before, realize the risk involved beforehand. If you are the type that still wants to take a risk and look at it as a gamble, know it’s your choice and the risk is significant.

That in mind, lets take a look at the program that is the topic tonight, definitely not a get-rich-quick scheme as far as HYIPs go as it takes seven (7) months before you’d break-even on your investment (if you choose to invest).

Fixed Monthly Income is a long-term HYIP that the admin told me opened around 07/22/2010. I’m unable to confirm this as I only became aware of the program last month. I’m not saying the program has not been around, open to private investors, only that my research tells me the program opened mid-February. The Alexa graph below, shows traffic to the site started in February, and this is also the time that Fixed Monthly Income started advertising with different HYIP monitoring sites.

Anyway, lets start off by taking a look at the frequently asked questions most HYIP investors have:

• Deposits are accepted by Bank Wire Transfer and Western Union.
• Withdraws are processed within 48 hours on business days Monday through Friday. After request it can take 2 to 5 days for funds to transfer.
• Minimum deposit is $1,000.
• Minimum withdrawal amount is $500.
• Initial investment can be withdrawn at any time.

First, I’m going to address the fact that the program requires a minimum deposit of $1,000, more than I suggest investing in any HYIP, and more than most investors are interested in putting into any one program. So, if you are interested in this program, please realize the risk and do not spend funds that you are not willing to lose (or that you cannot afford to lose!).

While probably not unique, I haven’t seen a program quite like Fixed Monthly Income. It definitely is a long-term investment as far as HYIPs are concerned below is the program’s payment structure:

There is only one plan with Fixed Monthly Income, and if you were to invest the minimum $1,000 into the program, you should receive $100 monthly. It would take four (4) months before you could make your first withdraw due to the as the minimum withdraw being $500. It would take four (4) months instead of (5) because you should receive a 10% bonus on month 3. You should break-even with the program on month seven (7) when you would be able to make your second withdraw. You’re able to withdraw your initial investment at any time, so there’s the possibility to break-even or get out in profit earlier if you choose to withdraw your investment.

I hope the risk is evident to all of you as the program is very long-term as far as HYIPs go. Many high-yield programs do not even make it for seven months, and several months is definitely a long period to wait before you can make a withdrawal.

Moving on, lets take a bit of time to look at the security of the site. My standard Whois Search provided typical information, listing little information other than the Panama City address and contact information that is found on the site. I haven’t attempted to contact the admin through means other than email, so I cannot verify if the phone number is in service. The IP Search tells us that the program is hosted on a dedicated server by Piradius. There is no DDoS protection offered, however at the same time there is no online account, all funds are transferred directly from bank to bank or through Western Union, so there is no risk of having your money stolen by someone hacking the account. The one security measure that is missing is a SSL certificate. As the site requires you to submit bank information, I feel this is a rather large red flag. Without a secure encrypted submission, it’s possible that your account number (along with the bank account name) could be retrieved by a hacker or a malicious program.

As the program claims to be running since 2010, I felt it necessary to take a look at their Alexa graph to do a traffic analysis:

Unfortunately, traffic information doesn’t start until mid February of this year, so all we have is what can be seen above. The above traffic graph isn’t the most promising, but is, in my opinion, to be expected with this sort of program. The typical spike a high-yield program sees in traffic isn’t as pronounced with Fixed Monthly Income due to the high minimum requirement to invest in the program. There will only be a small number of HYIP investors interested in this sort of program due to the long-term to hit break-even-point and the large minimum investment required.

Well, I don’t have much else to talk about at this time, so I’m going to wrap things up. I’ll definitely keep an eye on Fixed Monthly Income and pass any information I receive along as this program has attracted my interest. As always if you have any questions feel free to contact me. I always take the time to answer my emails. So until next time, keep walking through the world of HYIP investing!

This review was paid for by Fixed Monthly Income.