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1.0%-1.9% daily, 6%-9% weekly, principal back.

What’s new with GeniusFunds? Well for a start the plans have been expanded considerably although there is still the healthy mix of long and short term investment options that have made GeniusFunds so distinctive in the past. The basic workings of GeniusFunds also remains essentially unchanged. You will still need to open an account with them first, then deposit into that account before ultimately directing your funds into any combination you please of the plans available. This is done by buying “shares” in the various plans. One single share costs just one single dollar. Or in other words once you have made the minimum required deposit you may then continue to add to it or withdraw from it in blocks of $1. The main plans as outlined in my last review are still in operation. Again you can refer back to that review anytime but I’ll just give you a quick reminder that there is a plan that pays daily and a plan that pays weekly. The ROI available to be earned from either is variable so it’s a little difficult to offer examples of what you might earn for your money. But GeniusFunds do provide us with a recent earnings history so you can give yourself an idea of the recent average. The minimum amount you may invest is based on how you choose to join, i.e what payment processor you use. I will explain that in a moment but remember that there is no maximum figure. The plans still have the same lofty titles as always. The first plan is called the “Emerging Markets Growth Fund”. There are three variations here depending on how much you want to spend but they will all make daily payments. The interest rate will vary from 1% to 1.9% per day and is based on the type of share you wish to buy. For the so called Common Shares you need to spend at least $10 and will earn from 1% to 1.2% per day. For Preferred Shares the minimum rises to $500 and the daily rate varies between 1.1% and 1.4%. For a minimum of $5000 you may purchase Premium Shares and they will earn you a daily rebate of between 1.3% and 1.9%. All payments are made on business days only and there is a lock down period of 150 days on your principal. No less of a mouthful comes the grandly titled “World Bond Market Fund” and this is where you want to be if you’d prefer a slightly increased return on your investment paid on a weekly basis. It works a lot like the previous plan with your dividend being paid according to the particular type of share you have bought. The shares themselves remain at the same unchanged price of one dollar each and you may buy them as follows. Common Shares still take a minimum deposit of $10 and pay between 6% to 6.5% per week. Preferred Shares need a minimum purchase of $500 and offer a return of 6.5% to 7% per week. And for $5000 you may buy Premium Shares that offer a weekly dividend of 7.4% to 9%. The lock down period for your principal is 180 days this time and payments are made every Monday. The next plan however is something you may not all be so familiar with as it has only come into play more recently. It’s called the Genius HYDA and it replaces the Genius CD account which was described in my previous review. So how does that work? Well for all intents and purposes it’s a bit like its predecessor in the sense that it’s intended to resemble a sort of online bank account. You will be paid a fixed rate of interest on your account. There is no “investment term” here as such. All that is required of you is to give 10 days notice of your intention to make a withdrawal. The interest earned depends on the amount you keep in your account and works like this. For amounts between $300 and $2000 you will earn 14% monthly. $2001 to $5000 will earn you 18% interest per month. And for the last of the big spenders out there an account balance of between $5001 and $25,000 will get you a fixed monthly income of 25% interest on your deposit. You should be aware that you can withdraw as much as you like but once your account drops below $300 you will stop earning interest. The other thing is that as your balance can fluctuate as you decide to deposit or withdraw so your interest rate will be calculated daily but accumulate to the figures I have mentioned above assuming your balance remains between the specified parameters. One of the other major changes to have been implemented by GeniusFunds since they last graced the pages of MNO is the list of payment options open to you. It’s been vastly improved upon and this can only have boosted an already buoyant level of investor confidence. The payment methods now include LibertyReserve, PerfectMoney, SolidTrustPay, AlertPay, and bank wires. Please be aware of the fact that your minimum investment will vary according to your processor. You can deposit a minimum of $10 if using LR and PM. You may only deposit a minimum of $50 if joining via AP or STP. Bank wires are only available to deposits of $500 or more.