After a fairly quiet start to the first half of 2009 it seems that many of the online investment opportunities are reaching critical points in their operations.

One of these is HCI25, an organisation that on the one hand has paid out on schemes in the past and on the other frustrates its members by infrequent and poor communications.

Most people will have come across HCI25 in respect of the Reverse Pension Plan that they market.

For $45 you can take part (in fact you can purchase up to 15 contracts) for which you will receive approximately $78,000. I should make the point here that it seems payments will only be made to a designated bank and the cost of opening an account would be $90 (although see notes about LDTP below). Unfortunately the RPP is not available to citizens of Switzerland, Germany or Italy.  

Payment can be made via Liberty Reserve or c-gold. Indications are that there are less than 500 policies outstanding to fill so as with Imperia Invest time is of the essence.

The other main investment opportunity that HCI25 market is the LDTP programme. Each unit costs $195 of which $150 is put into trade. The number of units you purchase will dictate the daily percentage you receive. So, for 1 unit it will be 0.9% (increased on 29 June from 0.7%), 2 units is 1.1% (from 0.9%), 3 to 4 units 1.7% (from 1.5%), 5 to 6 units is 1.8% and 7 units or more is 2.4%.

Contracts run for 410 trading days (although you have the opportunity to compound 70% of the returns after 310 trading days).

If you buy just one LDTP unit then you will receive a bank account for nothing (as opposed to the $90 cost detailed above).

As I said at the beginning this group has paid out in the past but their communication is poor. Given that the RPP is close to filling up I think it is worth making an investment with HCI25, again you would be getting in at the right time.