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Harmonic Market is a hyip which falls between short term and medium term program. Actually, more like a short term program. I joined this program few days before and tested it well. Usually, I will get lots of mails asking me to review a short term program. But after shiftmoney failed, I am more careful to review any such programs. Anyway, those readers who requested me to review short term programs can try this one. Harmonic Market has lots of good quality features like hosted on dedicated server, BlockDos ddos protection, SSL secured website, Unique script, own forum, original content, interesting concept etc., We are going to discuss more on this in following review....
Plans - Originality starts from Plans itself. Harmonic Market introduced a new blocks system for investments. There are three blocks Block A, Block B and Block C. Each unit in Block A costs $25, Block B costs $500 and Block C costs $3000. All blocks will expire in 30 calendar days and Principle is not returned at end of 30 days. Let's start from Block A.
Block A - Investments in Block A will give 3.7% daily interest for 30 calendar days. Remember, Principle is not returned at the end of 30 calendar days. Since each unit is $25, you can make investments only in the multiple of 25 like $25, $50, $75 etc., Let's assume you invested $100 in Block A. It means you bought 4 units in Block A. Then, you will get $3.7 daily for 30 days which is $111 total returns which includes your principal. It's 11% profit in 30 calendar days. I know what you are thinking now. 11% profit in 30 calendar days is obviously very less. But, you can increase your profit with compounding. See the table below.
Block A Investment = $100 | |
Compounding | Total returns |
0% | $111.0 |
25% | $127.3 |
50% | $146.6 |
75% | $169.8 |
100% | $197.4 |
Harmonic Market allows only 0%, 25%, 50%, 75% and 100% compounding rates. It is very clear from the above table that your profit is increasing exponentially with compounding. For example, 50% compounding is giving 46.6% profit. So, if you invested $100 then you will get $146.6 total returns in 30 calendar days. If you invest without compounding then it is not much profitable. So, use compounding in this program to get better gains. I personally used 50% compounding for my $75 investment in Block A.
Block B - Each unit in Block B is $500. So, you can invest only in the multiples of $500 like $500, $1000, $1500 etc., This plan is little risky, but you are awarded with 4.3% daily interest for 30 calendar days. Once again see the table below to understand your returns in Block B.
Block B Investment = $1000 | |
Compounding | Total returns |
0% | $1,290.0 |
25% | $1,512.8 |
50% | $1,786.0 |
75% | $2,122.0 |
100% | $2,536.1 |
See how your profit is increasing with compounding. That is the power of compounding. Even a 25% compounding rate will give you considerable profit.
Block C - Each unit in block C is $3000 which is way too much for my level of investment. But, if you can risk this much money then you will get 5% daily interest rate for 30 calendar days. I personally won't recommend this plan unless you are a big investor. I am not going to present the returns table for Block C. If you want to analyze yourself then please use this hyip calculator. You can also contact me with questions.
How to select best compounding rate? I want to answer this question upfront. Usually, I will get this question to my email whenever I review a program. To be honest, you have to determine your comfortable compounding rate. I opted for 50% compounding for my $75 investment in Block A. Since this program is a short to medium term program, I recommend compounding up to 50%. Good thing is you can change your compounding any time. Another strategy is to select 100% compounding for first week and then switch it to 50%. Just play safely with compounding. But, having 0% compounding for whole 30 days is not at all profitable especially for this program.
Payment options - It's disappointing to say that only Liberty Reserve is accepted by Harmonic Market. Most of the hyip investors has LR account. But, some new bies are depending on STP, AP or SP for deposits. My advice to new bies are open a LR account. Most good quality hyip programs will accept only LR and PM in the beginning and then slowly they will add other processors. If you wait for the admin to add more payment options then you will get into a risk to loose your money. Because in hyip, timing is very important. I did this mistake when I was a new bie and lost in few hyips. But, Harmonic Market is not accepting Perfect Money also. I hope admin will add Pefect Money soon. Strictpay is also a nice option to add. There is no withdrawal or deposit fee. But, minimum to withdraw is $0.25. All withdrawals are automatic.
Security - I am really very impressed with the security of the program. Harmonic Market is hosted on a dedicated server with DDOS protection by BlockDos. Website is SSL encrypted and so very secured for transactions. Harmonic Market is not using gold coders or any other licensed script. It is using its own custom developed unique script. It is little difficult to understand the navigations and to play around the website. For example, deposit history is displayed under "Blocks" menu in left side. If you deposited on 17th Jan then you will see a link for "2009/01/17". You have to click that date to see your deposit, compounding and interests. This is the page you have to use for changing your compounding and to keep track of your investment. Just browse the website 2 times, you will figure out everything.
Design/Content - Design of Harmonic Market is very simple and to the point. If you are used to the template based design in all other hyips then you will find this different and unique. Harmonic Market is registered in Panama but I could not find any valid proof for this in their website. As per the website, they have qualified and experienced traders who are trading in different forex market to get the returns. I leave it to you to decide the credibility of there forex trading. Content in the website are very original. I am sure admin of this program has spent considerable effort in building the website.
Support System - There are lots of ways to contact the admin. Use the support center to create a ticket to admin. You can use the same support center to keep track of your ticket. This is the proper support system which I would like to see in all hyip programs. But, this is not the only way to contact. You can also post a topic in forum. Yes, Harmonic Market has its own forum. You can post your question over there to get it clarified. Usual contact form and email support is also available. You have to click Contact link in the left side bar for this. In fact, phone support is also available. But, I am not much interested with this.
Points to Note-
- Multi-level referral commission up to 4 level. 5% - 3% - 2% - 1%
- Profitable plans if you use compounding wisely
- Quality website and unique script
- Has its own forum and proper support ticketing system
- $0.25 minimum withdrawal. No fee for deposit or withdrawal.
- Join soon to be in profit and win this game.
Quality Factor:
Quality Factor | Rating |
Is it a sustainable investment plan? (High 6) | 3.00 |
How is the design and usability of the site? (High 4) | 3.50 |
Is the content of the site is original? (High 4) | 4.00 |
Is the site launched in hurry with issues? (more points if NO - High 4) | 4.00 |
Is it on a dedicated server? (High 6) | 6.00 |
Does it have DDOS protection? (High 6) | 6.00 |
How is the security of the program? (High 7) | 7.00 |
How good is the script used by the program? (High 10) | 8.50 |
How is the up-time of the program website? (High 5) | 5.00 |
Does it accept more payment processors? (High 4) | 2.00 |
Does the program has it's own forum? (High 2) | 2.00 |
Does the program has proper support ticket system? (High 4) | 4.00 |
How fast and how good the support team answers the ticket? (High 5) | 4.00 |
How is the admin marketing the site? (High 5) | 4.25 |
How about the website traffic ranking in alexa? (High 5) | 5.00 |
The X Factor (Hidden) (High 5) | 4.00 |
The Y Factor (Hidden) (High 5) | 3.50 |
The Z Factor (Hidden) (High 5) | 4.00 |
Is admin already a member of any forums and how long? (High 3) | 0.00 |
Is admin/any support team member active in any forums? (High 4) | 0.00 |
How is the opening response in forums? (High 6) | 5.00 |
Any spam mails for this program? (more points if NO) (High 5) | 5.00 |
Average rating | 4.08 |
Performance Updates:
Infinitiva rating is increased from 4.53 to 4.64. This is mainly because of the consistent performance with awesome alexa ranking. Infinitiva's alexa ranking is less than 20,000 for last 2 months. Remember Infinitiva is a top quality hyip which accepts all major payment processor and online for more than 6 months already (reviewed here). Next 3 months is going to be challenging for Infinitiva as they have to pay lots of expired deposits in 150 trading days plan. I am sure many investors has set 30 to 70% as compounding. So, the principal would be too big for them. Hope infinitva will sustain these payouts and continue to pay longer.
TopFinancial rating is increased from 4.25 to 4.46 which is a considerable jump. TopFinancial is performing too good and attracted lots of big investors. I personally know couple of MMG members who have more than 5k deposits in Top Financial. They are going to be a quality long term program of this year. I see all positive signs and so decided to increase the rating.
FxStar rating is decreased from 4.44 to 4.40 which is not a big difference. Many investors chosen the STARTER plan which approximately pays 25% profit in 30 calendar days. This program is having exponential growth which is unbelievable. Hope it won't explode soon. I have lots of hope with this program especially because of the quality website and the effort admin puts into this program. It's alexa ranking is too good and it is very rare to see a long term program picking up in this phase.
IncoForex rating is not changed. IncoForex is actually less profitable when compared to other long term programs. But, it is more sustainable. Some times I am feeling that Incoforex is boring. On average, I am getting 0.5% interest per business day. Anyway, this program is having top notch quality and can be sustained for long time.
Atlantis Mutual rating is increased from 4.18 to 4.22. This program is like medium to long term program. It is paying all expired upgrades without any problem so far. Admin is very good in marketing.
CSMFinance rating is decreased from 4.19 to 4.08. This program suddenly not paying instant. CSM usually pays instant when you request a withdrawal. But, now it is taking up to 9 hours to receive payments. I usually consider this as a bad sign. So, I reduced the rating for this program. This is very profitable long term program. I already doubled my investment in this program. Admin should boost the marketing to sustain the payments for more time. Let's see how this goes.
MoneyPlus rating is is decreased from 4.16 to 4.13. This program is online for more than 2 months and paying without any problem. But, still I am not seeing major improvement in alexa ranking. Growth is little slow for this program. But, I do hope this program can withstand the payments for more time.
PerfectCash rating is increased from 3.97 to 4.11. This program is an example of a program which is paying fine even though design is bad. All a program needs is a good admin. Actually, smart admin.
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