Thanks to Covid-19 in 2020, people have started to consider Bitcoin or cryptocurrency as an option for investment. This is mostly because countries will have to deal with economy recession.
Fiat money will lose its value while cryptocurrency will rise. At the same time, any programs who are offering to pay money have shifted back to using fiat money because some of the cryptocurrency become unaffordable and unpredictable.
The program’s owner can suddenly have to pay double or even triple the value if they keep offering cryptocurrency. Which is why I stick with investing programs that use fiat money, as also a way to diversify.
This next HYIP, Funds-Broker.com is another long timer HYIP. We can still invest with fiat money and get reasonable interest rate.
So, who is Funds-Broker.com? Is Funds-Broker.com legit or scam? What are the investment plans? How do we get paid?
Those are probably just a few questions that came to mind after hearing about the program. Well, in this article, I’m going to share with you my Funds-Broker.com Review based on my experience and what I can find from the internet.
Hope this helps. Is Funds-Broker.com going to be the best investment program out there?
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Type: High Yield Investment Program (HYIP)
2.1% Weekly Profit for 798 days
1,600% after 60 Trading Days
11% Daily Profit for 30 Trading Days
Minimum Deposit: $30
Maximum Deposit: none
Referral Commission: 0.25 – 0.5%
Payment Method: Perfect Money
Started Since: 14 October 2015
My Status: PAYING
Last Payment: September 2022
WARNING – Funds-Broker.com is HYIP
High Yield Investment Program (HYIP), is a program where anybody can deposit some money as investment and get a high profit in return after a duration of time. How high the profit can be very relative but still, they are not very sustainable for the long term.
They will be out of business, eventually. Not necessarily because they are scams, but sometimes just a single mistake can cause them to lose a lot of money.
Some consider this as PONZI scheme, where the first investor get paid by the next one. Eventually the last member won’t get paid at all.
IF YOU ARE NOT SURE ABOUT THIS PROGRAM JUST CLOSE THIS PAGE OR SKIP TO THE BOTTOM TO LEARN ABOUT ALTERNATIVE WAY TO MAKE MONEY ONLINE.
Why are people still using this kind of program?
For one thing, there are still some legit programs, even though they will be out of business sooner or later. People can still make money out of them.
Another thing is that people sometimes just want some extra income right away. They can no longer afford time and energy to work and build a business in a legit way. Some even already work for two jobs.
Investing some money is their only way. Hopefully to get something in return.
Why do I still use this kind of program?
Some people would say that this is not a legit way to make money online, let alone as a business for passive income. It is a scam and we will lose the money.
I tend to agree and in general will not recommend anybody to use.
But the legit way to make money online and turn them into a business requires time and hard work even money to start that not everybody can afford. What I’m doing here on this website is exactly one of those legit way. We build website like this and fill them with helpful information, get traffic and monetize.
You can learn more about it below. There are other way to make money online that I share here on this website.
I’m here just to share my experience, observation and point of view regarding this program. To help people make decision on whether they should spend their money with this program or not.
So you can just read about my story with them. No need to follow me invest some money or even join the program because I’m not recommending this in general. Do it at your own risk.
And it is all for the sake of making money online in a legit way.
Some tips for using HYIP service
If you are still willing to give this kind of program to try, there are some tips that we can use in general for every HYIP.
First of all, consider this program not as investment but more like gambling. Which means, just think that the chances are we are going to lose the money.
Use only the money we can afford to lose. Not the money you need to pay rent or school or food. Maybe money for cigarettes, or vacation.
Do not to think about making money or even huge profit, consider it just a bonus if we get. And if we do get some profit, try to save it for another program if you want. Think about investing as a whole not just per program.
Get our investment back as soon as we can. Do not try to compound or reinvest before that. Once we get our initial investment back, we can reinvest as we please.
Do our own due diligence. Research first, read from monitor, forum, or other people’s blog or website. Try to understand which user is actually give some time to invest. Anybody can say anything on the internet, even those who doesn’t have anything to do with it.
Test first, by try using every feature from the platform. Send tickets to support, ask them anything. Make sure we understand the rule and terms, how to deposit, or withdraw.
Choose the very low minimum investment plans so we are not going to lose money that much. There are a lot of ways to earn money online for free that I share here. Maybe just a few cents but we can try investment program with very low minimum deposit.
It is very easy to be tempted to reinvest our money once we know that the program is legit or just because we get our first payment. We think that the program will keep paying.
Remember that one of the reason for them to stop paying is because they lose the money, or make a mistake. Not just because they are scam from the beginning.
We have to control ourselves, set rules that we follow.
If you have set up your mind and still want to give this a try, keep reading. If you are not ready just skip to the very end of this post.
News and Update
May 2022. Finally I got my first payment from this with the new system. It turns out they didn’t charge additional fee to withdraw.
January 2022. Funds-Broker.com has decided to stop using Perfect Money as a payment method. They suggest exchanging the balance from Perfect Money to USDT or Tether (using Tron Network) with 1:1 ratio. There is a CURRENCY EXCHANGE system to do so.
The exchange actually allow us to exchange into Ethereum, another cryptocurrency but I do not recommend on doing so. Mostly because the value of ETH can be very different.
We also need to register the deposit address for this USDT from the EDIT ACCOUNT menu. They will ask for confirmation via email before they update our account change. We can still edit that wallet address later.
It seems more and more HYIP has started migrating to this Tether option. From the news on Funds-Broker.com, I assume that the reason is probably from Perfect Money themselves. Maybe they will stop operating or at least supporting HYIP or such.
That means, it’s just a matter of time before other HYIP will follow this changes.
For those who don’t have any wallet for Tether, we can use the one from Crex24.com. The reason I recommend this one is mostly because this exchanger platform accepts Perfect Money, so maybe it will be easier for ourselves, to transfer from our PM account.
Other wallet will work as well, as long as they accept using the Tron Network version. Just keep in mind that each wallet will have a MINIMUM AMOUNT FOR ACCEPTING THE DEPOSIT.
In the case of Crex24.com, the minimum is 1 USDT or equal to 1 USD. If we withdraw less than that from any HYIP, we will lose the money.
The minimum from Funds-Broker.com is now 10 USD to withdraw. Also, there might be an additional fee from Funds-Broker.com. That means it will take a while before I can request it.
News and Update
October 2022. Republished the article from the original date of 2 April 2021.
Just by looking at their homepage, we can easily tell that this uses the same script from Gold Coders. We can check GoldCoders.com and there will be license checker.
Funds-Broker.com is indeed licensed. If I understand correctly, they need to pay like $166 for the script.
Typical like other similar programs, we can just ignore other part of the pages because most of them don’t even bother to update any page from this script. I think the same goes with Funds-Broker.com for the most part.
This is the only thing we can find as the company profile from their page.
The Funds Broker Company was founded to perform brokerage services and a number of profitable and promising areas, such as investing in Forex market trading, cryptocurrency and trading on the stock market. Strong, highly efficient, talented and close-knit team, with a wealth of experience in finance and investment, making Funds Broker a perfect and unique money-making machine!
That is very typical but we cannot find out more who they are. There is a support section page that we can try to see if they reply or not. That is probably a good idea before we send them any money at all.
Not that it is going to make them a legit one. Some people might be concerned without any clear info and this is not a kind of program for them.
We can use this link to create account with Funds-Broker.com. I recommend to use a valid email address and Perfect Money account. We also need to have Perfect Money account right away and it will be difficult to change them later.
Investment is the main and only feature on Funds-Broker.com. Anybody can make a deposit, some amount of money and after a period of lock in time, they will get profit.
Depending on the program, we can get the profit payment, daily, weekly, bi-weekly or even monthly or just one time at the end of term. For the daily, usually either based on calendar days or just weekdays.
Some can even offer hourly payment. We can make a deposit and an hour after that, we will get our first payment profit.
The lock in period or duration of the investment term can also vary. Some can offer a day, some weeks or even years before we can get the principal back.
Regarding the payment, a program can pay the profit first and return the principal at the end of investment term. Some may pay differently like each payment includes both the profit and parts of the deposit.
For the latter, the offered interest rate seems like higher than the former. This probably will matter if we try to consider how soon we can reach the BEP and start making pure profit.
As for the interest rate, usually from any HYIP, we will get a constant rate. So, the profit is not going to fluctuate depending on the program’s performance.
Some HYIP can offer just one investment plan. However, on Funds-Broker.com, they are offering 3 different plans. Here are the details.
2.1% Weekly profit for 798 calendar days.
The minimum is $30 and there is no maximum. What it means is exactly one week after we made a deposit to this plan, we will get 2.1% weekly profit.
So, if we invest the minimum, right after 24 x 7 hours, we will get $0.63 in our Funds-Broker.com account balance. The same thing will happen with the week after and it will stop only when we have reached 798 calendar days since the deposit.
That means, there will be 114 weeks or 114 payments of that profit. So, the total profit for the plan, if we invest the minimum is $71.82 (or about 239.4%.
That is just the profit. At the end of investment term, we will get the principal back. So, after more than 2 years, we will get $101.82, profit and principal.
We can actually check this number with their built in calculator to find out the profit or when we will reach certain threshold like BEP.
For each week we get the profit, we can request a withdraw and they will process them manually. With this interest rate, we will have reached 100% return or BEP within 48 weeks or about 11 months.
1,600% after 60 Trading Days
This is the second plan that Funds-Broker.com is offering. For this one the minimum is $475,000. Unlike the first one, we will not get any profit weekly but we have to wait until 60 trading days and they will return 1,600%, including the principal.
With 60 trading days or business days, that means it will take about 12 weeks. From their calculator, if we invest the minimum to this plan, after 12 weeks, we will get $7.6 million.
We can say that the daily calendar days profit is about 17.85% from this plan or almost 9 times higher than the first plan.
11% Daily Profit for 30 Trading Days
This third one is similar to the second one but it will take half the time. The minimum is $575,000, higher than the second plan.
For this one, each business day, we will get 11% profit. So, if we invest the minimum, on the next trading day, we will get $63,250 as the profit to our account. Like for the first plan, we can withdraw this amount right away.
This will keep going until we have reached 30 trading days or about 6 weeks. I’m not sure but the calculator for this one suggests that they are also offering a compounding.
What it means is, the profit we get today can be compounded in the trading of the next day. That means the deposit amount will be increased and we will get higher profit from the 11% interest.
However, that means, we cannot withdraw the profit. Or, if we choose to compound partially, we can still withdraw the other part.
So, at the end of investment term with this plan, we will get a total of 330% profit as minimum profit plus the deposit or a total of 430%. That is the lowest possible interest without compounding.
The maximum we can get if we do compound 100% of the profit each day, we will get over 2,289% back at the end of the term, including the principal.
We can say that the daily interest rate is about 7.857% per calendar days for the lowest possible reward. or up to 52.12% if we compound everything.
Those are all of the investment plans from Funds-Broker.com.
How to invest
If this is the first time, the investment can only be done from outside the platform via the Perfect Money payment processor. Make sure we do have enough funds to pay the minimum deposit amount plus the payment fee for the processor.
After we log in to our Funds-Broker.com account, we can click on the MAKE DEPOSIT menu from the left navigation widget. The page we see will be similar as the previous picture.
As we can see, we can choose one of the 3 possible plans. At the bottom of the page, we can enter the amount of money we want to invest. Also, we need to click on the circle below the TOPUP.
Later we can reinvest our profit in a balance to a new plan by clicking the circle below the BALANCE. Once we are done, we can click on the SPEND button at the bottom to proceed.
Then, we will go to a deposit confirmation page as shown by the next picture. We can cancel the payment at this point but to proceed, we can click the PROCESS button.
This will bring us to the Perfect Money page as shown by the second picture below. As we can see, there is the account info for Funds-Broker.com, which is U10608098 with 253.5 Trust Score points.
We can either pay using the money that we have in Perfect Money account balance or use their prepaid card or e-voucher. I will be using the first one for this example as I have no experience using the second one.
We can click the MAKE PAYMENT button at the bottom to proceed. Then, we will see the next page where we have to sign in to the Perfect Money account as shown by the third picture below.
We simply need to enter our Member ID, password and the right turing number, and then the PREVIEW PAYMENT button to proceed. The preview page is next as shown by the fourth picture below.
We can see that Perfect Money will charge an extra fee of 1.99% because I’m not a verified member. The fee will be lower for verified one. With that fee, the minimum amount of money that we need to have will be $30.59, for investing the minimum in Funds-Broker.com.
Up to this point, we can still cancel the payment without losing any money. However, once we have clicked the CONFIRM PAYMENT button, as the page suggests, it is a non reversal one.
Once we have clicked the confirm button, the next page we will see is the payment ID as shown by the next picture. At this point, we can no longer undo the payment.
We can click on the CONTINUE button at the bottom to return to Funds-Broker.com as shown by the second picture below. The page will say that they have received our deposit.
We can check the DEPOSIT HISTORY menu from the left navigation widget as shown by the third picture below. There, we can see how many days left before the investment expire and we will get the principal back.
That is it with how to start the investment in Funds-Broker.com. Depending on the plan that we chose, our first payment can be a week later, the next business days or after 60 trading days.
More about withdrawing later.
Comparisons to Other Investment Programs
If we are not familiar with the world of investing, specifically HYIP or online program, it is probably hard to understand the number described above. Are they a good interest rate or is it really too high or even a sign for scammers?
One way to find out is by making comparison to other similar programs. This might not be the best or the perfect way to do it but at least this can give us some perspective.
For Funds-Broker.com, they only have 3 plans, which the lowest is 2.1% weekly profit. If we convert that into daily interest rate, that is equal to about 0.3% per calendar days.
So, is that a good interest rate? Here are some comparisons.
CityBuildTrade.com, one of the longest paying HYIP at this time, has been paying for over 5 years, is offering only one plan with 0.28% daily calendar days or 2% weekly. Compared to that, Funds-Broker.com offers slightly higher rate.
SolidTradeBank.com, also one of the longest paying HYIP at this time, 5 years old as well, is offering 0.14% daily calendar days interest rate as the lowest plan or 0.28% for the higher one. We can actually say that SolidTradeBank.com offers the same or lower than CityBuildTrade.com. That means, the highest plan is also slightly lower than Funds-Broker.com but with shorter term as well.
Trust-FX.com, offers 2% weekly profit for 10 weeks which is the same as CityBuildTrade.com but with longer terms. That means their interest rate is also slightly lower than Funds-Broker.com but with shorter term.
Crypto7.com, offers like 0.3% daily profit for 555 business days. Or we can say it is about 0.21% calendar day profit. This is lower than the other that I have tried and so lower than Funds-Broker.com and shorter term as well.
SafetyDepositary.net, also offers like 0.4% daily profit but for business days only for the lowest plan. For a week that is equal to 2% weekly or we can say that is also slightly lower than Funds-Broker.com.
TopTradeCapital.com, also offers 2% weekly payment but only for 364 calendar days. It is also slightly lower than Funds-Broker.com but about half the investment period.
7-Lion.com, also offers 2% weekly but in bi-weekly payment and also with very long term plan of 798 calendar days. This one is slightly lower interest rate than Funds-Broker.com but with the same term.
Fine-China.biz offers 2% weekly as well as the lowest investment plan but it will take 777 calendar days with 10% weekly as the highest. Funds-Broker.com offers just slightly higher interest rate than the lowest from this.
DollarBill.biz offers 2.1% weekly profit. That is the same interest rate as Funds-Broker.com but with shorter investment term.
Those 9 are the only HYIP programs that I’ve tried and still paying right now. I really can’t try too many of them, considering how risky the nature of HYIP and again, I wouldn’t recommend anybody to try as well.
But there are other online programs that also offers to pay some interest. Some people might think these programs are better than HYIP because the interest feature is just a secondary feature.
They have other ways as income source. Here are some of those programs.
Freebitco.in, probably one of the longest paying faucet program, offers like 4.08% annual interest. That is just like 0.01% daily calendar day profit, which is already far lower than any HYIP.
Free-Litecoin.com and their group, similar program to Freebitco.in, also offers to give up to 6% annual interest. It is like 0.016% daily profit, just slightly higher than Freebitco.in and obviously still way lower than any HYIP.
Cointiply.com, also another faucet program that offers interest which will be compounded weekly. The interest is 5% annual or about 0.014% daily, also lower than any HYIP.
StakeCube.net also offers 0.02% fixed daily interest rate for investing in Bitcoin and several altcoins. There are also another offer with fluctuate interest rate from the Staking feature which could be up to 0.08%.
There are still other forms of online investment programs that are not HYIP and I haven’t got the chance to try it. We could invest on cryptocurrency mining, with hardware, or some stocks.
Comment and Suggestion
So, this is the second one with the highest interest rate among HYIP programs that I currently am using. For people who are asking why I use different HYIP with just similar interest rate, that is because the idea of diversification,
They may offer similar rates but they are still done by different people. We have to understand hat anything wrong can happen to the owner and suddenly they lose the will to keep going.
Also the about 2% rate is just the lowest plan while the other 2 are way higher and I think very unreasonable number. We can argue that nobody is crazy enough to invest like almost $500,000 or $600,000 in this kind of programs.
But then, why don’t they just remove them? They are still opening the risk.
I’m also not necessarily a fan of higher interest rate even though this one offers just slightly higher than the rest programs that I have tried so far. Still, that extra interest that they need to provide for each investor, they will eventually go bankrupt sooner than those with lower rate.
Even with just the lowest reward, they still allow investors to make additional deposits which they will handle them separately. This also opens more risk as they can suddenly get additional deposits with the more people who are using this platform.
For me, the more difficult for investors to add more work on them the better. So far, only CityBuildTrade.com that does this. They limit the number of active deposit and also the maximum amount.
I think those who do that show some responsibility. They are not just waiting for another investors to just make new deposit which then they use to pay the interest for the previous investors. This is what they call as Ponzi Scheme.
I think the weekly payment is also a good thing. This will give them enough time to make more money with whatever their methods are unlike those who offers hourly payment.
They will also have better time to make some estimation and try to mitigate their loss.
I think CityBuildTrade.com is probably the best one so far. They even only offer a one week term. People can always reinvest, but there will be times when we forget to do that. This practice will give the program more times.
While here with programs like Funds-Broker.com, both the program and the investors have to commit at least 2 years. Even though they have been delivering profit for over 5 years, that is just 2 investment cycles.
That is also assuming the investors started the investment the day the program was launched. There is a chance that a lot of investors may not even reach full cycle or even the BEP.
Two years is a long time. The additional 0.1% weekly profit doesn’t really help reaching the BEP. We still need almost a year.
The minimum is also very high, $30 while most programs that I have used can start with $25. On CityBuildTrade.com, we can start with just $1. However, this higher amount is really not that bad.
With around 2% rate, each profit payment will get us at least $0.6. If we start with just $1, the profit is $0.02. If we keep withdrawing the money and reinvest again via Perfect Money, we might have to pay a lot of deposit fee.
Luckily we don’t have to pay for receiving any payment. And it will take a while before we can reach the minimum to start another investment.
Also with the 2% rate, we might want to add another $0.5 for each investment because that will give us extra$0.01 for each profit payment.
Nevertheless, Funds-Broker.com is still one of the HYIP, highly risky program where they can suddenly turn into scam. For whatever reason, maybe the owner doesn’t want to offer their service any longer and they can just run away.
That can happen while we barely reach BEP or even the next day after we make a deposit. We will never know, except when it is already happened and all we can do is let it go.
Which is why, in general, I will not recommend just anyone to invest in here or any HYIP programs. Please do it at your own risk and only spend the money that we can afford to lose.
Referral / Affiliate Program
So, there is actually a way to earn money from Funds-Broker.com without starting any investment or even making a deposit to them. It is by using the affiliate or referral feature to earn some commission.
What we need to do is we invite other people to join the program and let them use the service. In this case, the program is Funds-Broker.com and the service is to invest, deposit some money to Funds-Broker.com.
As the referrer, we will get some commission based on some percentage of the referral’s deposit amount. We can then withdraw the money or, if we can reach the minimum amount, we can use to start investing.
The more referrals we have, assuming they are all making a deposit will increase the commission we can get. If we focus on promoting and keep getting more referrals, then we may have a passive income source without investing.
That is the basic idea. Unfortunately, there is no further explanation on Funds-Broker.com other than the on on homepage. So, I can’t say for sure how it works.
How does it work?
Like any other online program offering a referral or affiliate commission, each of their member will get a unique link with their ID attached to it. It is called a referral link or ref link and this one below is mine for Funds-Broker.com.
If anybody click on that link and join the program, they will become my referral. And if they use the service, make a deposit to start their investment, I will get 0.25% based on their deposit amount. The commission rate will be higher once we have 100 or more referrals.
Also, we will only get the commission if the referral made a deposit from external source or in this case from Perfect Money. We will not get any commission if they only reinvest their earnings or previous deposit. This is typical for any HYIP.
What we need to do is just share the link to anybody on any online platform that we regularly use. The platforms can be our social media accounts, forums, emails, group messengers for family or friends or even blog and website that we own.
Anywhere we can post the link and the public can access it will do. Even Google Docs can work.
We can find the link from the ACCOUNT menu. The link will be similar as mine above where we just need to replace the username at the end.
The REFERRAL LINKS page itself only contains code for some promotional banners. They are just templates from the script that we need to modify a bit. Another typical thing for those who use the same script.
Aside from those tools, there is also a dedicated page for our referrals. We can click on YOUR REFERRALS menu to find a tracking system. It is not a comprehensive one but it will tell us how many people are visiting our links each day.
We can also check the total number of referrals that we have and how many of them are active, or making a deposit.
How to get (more) referrals?
Well, sharing the link is a must but how exactly? Sharing to the wrong people is like a salesman approaching stranger. People hate that.
If we try to share on our social media, people might get annoyed if they are not interested. Especially if we are spamming, sharing over and over again like multiple times within a day.
We could lose our followers, risking any network we have built. Maybe it’s better to have alternate account specifically just to share this kind of program.
We look for community or other users that we know are interested. Then we can share with them the link.
A better way might be to share on forums. Not just any forum of course, but related to online money making program and maybe investment.
The problem with using any free platform like this is that we are probably not the only one who promote the same program. We have to offer something more than just the referral link like anybody else.
Another thing is that these free platforms have rules that they can suddenly change about promotion and not to mention, shutting down their service entirely. We have to start over our campaign if they delete them.
A better way would be to have our own website. We can share anything not just one program but others with the same, similar or related topics.
Having a website is like having a shop in real life. People can always come back to and find out more programs to use.
Then we can use those free platforms, forum or social media accounts just for promotion. A good way to get backlink or generate traffic.
Since it’s an online shop, it will stay open 24/7, no need to wait for us to wake up and can be accessed from everywhere around the world. The best part of having our own place or website is that any search engine like Google will do the promotion work non stop.
And they will show the website as a result to exactly people who are interested in it. The people that use the search engine to look for it and get the website we build as the result. No need to worry about being annoying salesman.
Those people will access the website, see what we have to offer. Maybe a review like this, other or similar program we use, sharing experience, opinion, views to let people know that we understand this kind of program.
If they are interested, they will become our referrals for any program we promote. Once we have enough referrals for Funds-Broker.com or every programs we promote, we can have passive income even full time income.
That is exactly how people can build their business online. They own a website, fill the website with contents that can help promote a program, and let it work automatically.
If you are interested to know more about how to build a website and turn it into an online business, keep reading. I will share with you later about a training program that anybody can use.
In the meantime, let’s head back to Funds-Broker.com for a little bit.
Comment and Suggestion
Again, in general, I would not recommend anybody to use or invest on any HYIP, including Funds-Broker.com. Since we have to make a deposit while we can earn money for free from other programs.
What I’m doing here is just sharing my experience and what I know about any online money making program. So, if anybody is willing to join this program and invest their money here, please do it at you own risk.
Read again the warning section above.
For some forums, HYIP is considered as total scam but they still accept other money making program. Just make sure if we want to share our links, they do accept this kind of programs, like by providing a dedicated thread or sub forum.
Maybe give rating on HYIP monitoring program and use the comment section to share the link is the way to do it, not sure though. Try to do it more passively, like wait until somebody ask for it and reply with the link and review, after we do get paid.
As I said before, we can only get commission if our referral make a deposit from outside. So, redepositing from the account balance after the previous one get expired will not get the referrer anything.
If somehow the referral is planning to make deposit and withdraw the funds completely then deposit again, not really sure but this should give some commission to the referrer. So, with my suggestion above on how to lower the risk for investing here, I can earn more commission but I still stand with my reasoning.
Again, I don’t recommend anybody to invest here or any HYIP program.
I want to appreciate Funds-Broker.com for being the only one so far for putting the referral links on the main Dashboard or Account page. Non of the similar programs with this script does that.
I do wish they also improve the real REFERRAL and LINKS page. Not that it really matters.
The commission rate is definitely lower than most. We can increase it if we have at least 100 referrals, which then become typical rate.
I don’t know whether the referrals have to be active or not in order to achieve this higher rate. If they must be active, then, it is very unlikely to happen. People will just come and go and only a small percentage of them will make their first deposit.
It is a good thing that the lowest possible plan will take like 2 years to complete. So, we do have time. On the other hand, it is very unlikely to get the second commission from a long term program like this.
Either the referrals will already give up their money or they just reinvest again. If they reinvest from their internal balance, we will not get any commission.
I suspect we don’t really need the referrals to be active but I don’t recommend trying to abuse the system. The extra reward is not that different.
With the lowest rate, if the referral make the minimum deposit, we will get like $0.07 or $0.08 if they round up for our commission. If we manage to get the higher rate, then, we will get like $0.15 or so per referral.
Of course, it will be different if the referral’s deposit is much higher, like if they invest with the second or 3rd plan. We will even get over $1,000 just with the lowest rate. But then, who will even do that?
Back with just the reasonable rate, we will need more than 200 active referrals before the commission is enough to start the investment. I really doubt it will really happen.
If we do earn something from this commission, we should just withdraw them immediately. This is the good thing about Perfect Money as the sole payment processor. We don’t have to pay any fee for accepting money.
I have not tried this but I think we do can accept as low as $0.01. If we use several other programs, maybe eventually we can accumulate enough money by earning from those programs to start the investment with Funds-Broker.com. Not that I would recommend it in general.
The reputation about a HYIP is already bad. We could jeopardize our relationship with other people by promoting this very risky program where they could lose the money.
For those who don’t really like promoting, especially directly, we can earn more free money faster using other online earning program. That way we can start the investment sooner.
Inviting other people doesn’t always mean they will make a deposit right away, if ever. Since this is already an investment program, we can already have a passive income.
There is no need to focus on promoting this program just to build long term passive income. You can find other programs on this website with no risk, we can earn right away for free.
I suggest look for programs where they offer investment as their secondary feature. Usually from the main feature, we can earn free money. This way, people can decide later whether they want to invest or just withdraw the earnings.
Check out the COMPARISONS section of this article for programs where we can earn free money with invest. There might be more. Check out the previous link to find out the latest update.
Payment and Withdraw
After we get our profit from the investment, how do we withdraw the funds from Funds-Broker.com? This is not just about withdrawing the profit but the principal as well.
The only payment method they use is Perfect Money. So, to withdraw, there is no other way but to have it sent to the same account we made a deposit from.
It is very typical for this kind of program that we can’t exchange the money across different payment processor. Even though both of them use the same currency, USD, in this case.
Back then, CityBuildTrade.com added an exchange feature where we can transfer between Payeer payment into Perfect Money. But that is a rare case because they want to stop using Payeer.
As far as I know, we can’t change the payment account on Funds-Broker.com. We probably could but it will involve contacting the admin directly.
Also, we can’t change our email address which will be used to identify our account when contacting them. We will probably also get the reply via email. So, we have to make sure that we can access our Perfect Money account and email or we could be losing an income source.
There is no minimum, other than it has to be at least $0.01. Funds-Broker.com will not charge anything so we will get the same amount as we requested.
How to Withdraw
We first need to access the withdraw page by clicking on WITHDRAW from the left navigation widget on Funds-Broker.com. The previous picture displays that page.
On that page, we just need to enter the amount we want to withdraw and click on the REQUEST button at the bottom. Then, the next page we see is a confirmation page as displayed by the next picture.
If we are sure, we can click on the CONFIRM button to have it processed. After that, we will go back to the WITHDRAW page again but at the top, the page says “WITHDRAWAL REQUEST HAS BEEN SUCCESSFULLY SAVED”.
So, unfortunately, the withdraw from Funds-Broker.com is not an instant payment but it will be done manually. The homepage actually states that it will be processed WITHIN 5 BUSINESS DAYS after the request.
After we have submitted the request, we will get a notification email from email@example.com about the withdraw. Once they have processed the payment, we will also get another notification from the same email address.
It is possible that these emails will end up in our Spam Folder. Do check them.
During this waiting period, we can actually cancel the request by accessing the WITHDRAW HISTORY page as shown by the third picture below. This is also new to me. Not sure if we can do the same with other similar programs that use the same script.
Based on my experience, I already got 2 payments, each of them within 2 days from their request. Check the next subsection for details as when I got the payment for the other request.
The last picture displays the payment report on Perfect Money. The payment account they use is U10608098 (Funds Broker), the same account as the one we made a deposit to.
Here are the reports for every withdraw that I have requested and the time I got paid from Funds-Broker.com. As I said before each payment is processed manually and it will take up to more than a week or 5 business days before we can see the funds on our Perfect Money account.
For this kind of program, we should expect some delay once in a while.
1st withdraw. Paid at 16:54, 3 February 2021 (GMT+7), about 48 hours since the request. Status paying with 2% ROI.
2nd withdraw. Paid at 5:01, 10 February 2021 (GMT+7), about 36 hours since the request. Status paying with 4% ROI.
3rd withdraw. Paid at 20:15, 16 February, 2021 (GMT+7), about 30 hours since the request. Status paying with 6% ROI.
4th withdraw. Paid at 5:24, 24 February, 2021 (GMT+7), about 36 hours since the request. Status paying with 8% ROI.
5th withdraw. Paid at 2:56, 6 March 2021 (GMT+7), about 4 days since the request. Status paying with 10% ROI.
6th withdraw. Paid at 14:55, 9 March 2021 (GMT+7), about 23 hours since the request. Status paying with 12% ROI.
7th withdraw. Paid at 15:58, 17 March 2021 (GMT+7), about 47 hours since the request. Status paying with 14% ROI.
8th withdraw. Paid at 17:58, 22 March 2021 (GMT+7), about 2 hours since the request. Status paying with 16% ROI.
9th withdraw. Paid at 14:42, 30 March 2021 (GMT+7), about 22 hours since the request. Status paying with 18% ROI.
10th withdraw. Paid at 6:06, 8 April 2021 (GMT+7), about 3 days since the request. Status paying with 20% ROI.
11th withdraw. Paid at 16:20, 13 April 2021 (GMT+7), about almost 24 hours since the request. Status paying with 22% ROI.
12th withdraw. Paid at 12:44, 20 April 2021 (GMT+7), about 25 hours since the request. Status paying with 24% ROI.
13th withdraw. Paid at 12:29, 29 April 2021 (GMT+7), about 3 days since the request. Status paying with 26% ROI.
14th withdraw. Paid at 3:09, 5 May 2021 (GMT+7), about 2 days since the request. Status paying with 28% ROI.
15th withdraw. Paid at 15:01, 11 May 2021 (GMT+7), about 22 hours since the request. Status paying with 30% ROI.
16th withdraw. Paid at 13:27, 18 May 2021 (GMT+7), about 21 hours since the request. Status paying with 32% ROI.
17th withdraw. Paid at 2:06, 28 May 2021 (GMT+7), about 3 days since the request. Status paying with 34% ROI.
18th withdraw. Paid at 22:49, 1 June 2021 (GMT+7), about 29 hours since the request. Status paying with 36% ROI.
19th withdraw. Paid at 17:57, 8 June 2021 (GMT+7), about 25 hours since the request. Status paying with 38% ROI.
20th withdraw. Paid at 14:24, 15 June 2021 (Gmt+7), about 22 hours since the request. Status paying with 40% ROI.
21st withdraw. Paid at 12:34, 23 June 2021 (GMT+7), about 2 days since the request. Status paying with 42% ROI.
22nd withdraw. Paid at 18:51, 28 June 2021 (GMT+7), about 9 hours since the request. Status paying with 44% ROI.
23rd withdraw. Paid at 3:28, 6 July 2021 (GMT+7), about 11 hours since the request. Status paying with 46% ROI.
24th withdraw. Paid at 16:42, 13 July, 2021 (GMT+7), about 24 hours since the request. Status paying with 48% ROI.
25th withdraw. Paid at 4:20, 21 July, 2021 (GMT+7), about 42 hours since the request. Status paying with 50% ROI.
26th withdraw. Paid at 3:35, 28 July 2021 (GMT+7), about 41 hours since the request. Status paying with 52% ROI.
27th withdraw. Paid at 4:47, 4 August 2021 (GMT+7), about 36 hours since the request. Status paying with 54% ROI.
28th withdraw. Paid at 3:56, 11 August 2021 (GMT+7), about 35 hours since the request. Status paying with 56% ROI.
29th withdraw. Paid at 00:54, 20 August 2021 (GMT+7), about 4 days since the request. Status paying with 58% ROI.
30th withdraw. Paid at 22:17, 24 August 2021 (GMT+7), about 5 hours since the request. Status paying with 60% ROI.
31st withdraw. Paid at 2:35, 2 September 2021 (GMT+7), about 3 days since the request. Status paying with 62% ROI.
32nd withdraw. Paid at 14:51, 9 September 2021 (GMT+7), about 29 hours since the request. Status paying with 64% ROI.
33rd withdraw. Paid at 2:31, 15 September 2021 (GMT+7), about 34 hours since the request. Status paying with 66% ROI.
34th withdraw. Paid at 3:17, 22 September 2021 (GMT+7), about 34 hours since the request. Status paying with 68% ROI.
35th withdraw. Paid at 3:03, 29 September 2021 (GMT+7), about 34 hours since the request. Status paying with 70% ROI.
36th withdraw. Paid at 2:51, 6 October 2021 (GMT+7), about 34 hours since the request. Status paying with 72% ROI.
37th withdraw. Paid at 15:04, 13 October 2021 (GMT+7), about 46 hours since the request. Status paying with 74% ROI.
38th withdraw. Paid at 00:43, 20 October 2021 (GMT+7), about 31 hours since the request. Status paying with 76% ROI.
39th withdraw. Paid at 4:45, 27 October 2021 (GMT+7), about 36 hours since the request. Status paying with 78% ROI.
40th withdraw. Paid at 18:19, 2 November 2021 (GMT+7), about 25 hours since the request. Status paying with 80% ROI.
41st withdraw. Paid at 21:53, 9 November 2021 (GMT+7), about 29 hours since the request. Status paying with 82% ROI.
42nd withdraw. Paid at 5:44, 17 November 2021 (GMT+7), which was about 37 hours since the request. Status paying with 84% ROI.
43rd withdraw. Paid at 17:29, 23 November 2021 (GMT+7), which was about 25 hours since the request. Status paying with 86% ROI.
44th withdraw. Paid at 20:44, 30 November 2021 (GMT+7), which was about 28 hours since the request. Status paying with 88% ROI.
45th withdraw. Paid at 4:43, 7 December 2021 (GMT+7), which was about 11 hours since the request. Status paying with 90% ROI.
46th withdraw. Paid at 22:08, 13 December 2021 (GMT+7), which was about 5 hours since the request. Status paying with 92% ROI.
47th withdraw. Paid at 4:25, 22 December 2021 (GMT+7), which was about 36 hours since the request. Status paying with 94% ROI.
48th withdraw. Paid at 17:31, 27 December 2021 (GMT+7), which was about 30 minutes since the request. Status paying with 96% ROI.
49th withdraw. Paid at 2:43, 4 January 2022 (GMT+7), which was about 9 hours since the request. Status paying with 98% ROI.
50th withdraw. Paid at 2:07, 13 January 2022 (GMT+7), which was about 3 days since the request. Status paying with 100% ROI.
That means this one has reached BEP at this point.
51st withdraw. Paid at 22:15, 17 January 2022 (GMT+7), which was 5 hours since the request. Status paying with 102% ROI.
With the new payment system, I can only withdraw after 16 weeks or so. Probably around 9 May 2022.
1st withdraw with the new system (weekly payment #52 – #68). Paid at 3:40, 10 May 2022 (GMT+7), which was about 21 hours since the request. Status paying with 136% ROI.
2nd withdraw (weekly payment #69 – #85). Paid at 23:16, 22 September 2022 (GMT+7), which was about 3 days since the request. Status paying with 170% ROI.
The next one should be another 17 weeks from my last request. That would be around 16 January 2023.
The current plan should end after 114 weekly payments.
Comment and Suggestion
There is actually not much to say further here because there is no optional payment method. I will be just repeating myself then. Always try to withdraw as soon as possible. Perfect Money allow us not to pay the fee from multiple receiving.
This is a good way to cut the loss. Again, this HYIP program can turn into scam anytime. Before we get our money back, reach BEP, we should not try to compound. The key of investing is to diversify so it is recommended to withdraw and probably invest the earnings on something else.
That way we could still increase our investment but lowering the risk. As for the Funds-Broker.com, they are not the only one to process the payment manually. More than half of HYIP that I tried are manual payment.
However, from the shortest one we only need like 24 hours before we see the payments on our Perfect Money account. This is not the longest so far, but some people might prefer those with instant payment like Trust-FX.com or Crypto7.com. Even sometimes the instant payment doesn’t work.
That s also another reason why I can’t really recommend using this kind of programs. We will always wonder whether we are going to get paid or get scammed. Before we make a hasty judgement, it is recommended to check every monitoring programs, and see when was the last time they got paid.
If we are not ready to deal with that, we should look for other investment programs.
On the other hand, this is also a good way for Funds-Broker.com. They will have time and better estimation of how much money they need to generate.
Since Perfect Money is a third party program, there will be times when we won’t be able to access it. They get attacked a lot by hackers and when that happens, we might have to wait longer.
Ideally, it is better if they have other payment options. So far, both the HYIP and the payment method can prove that they can deliver their service for a long time. It is just that, in the past, other payment method can be taken down even by government,
When the same thing happens, these HYIP will not have a back up saving account. They probably put their money on that one payment method. At that point, becoming a scam is inevitable. So, that is another risk we have to be prepared for when investing in this kind of program.
For people who collect some free cryptocurrency and they want to invest in any program that only accept Perfect Money, we can trade those coins via Crex24.com to Perfect Money balance.
Status from Monitors and Forums
Once again, I don’t recommend anybody to invest in here considering how risky this type of program can be. But some people might be willing and ready to take the risk and still want to try it. Please do it at your own risk.
I might post and report the payment I got from Funds-Broker.com here. But I could be in the middle of depositing terms and need a week or several to know if they suddenly stop paying.
Or I could be just lucky while they fail to pay other users. It is best to double check other HYIP monitoring program or group discussion on any forum we can find.
I suggest doing it even right before we hit the DEPOSIT button. Below is the list of some links to forum and monitoring program that we can check about Funds-Broker.com.
We don’t have to trust every single website or every review on those website. For me, Goldpoll is probably the one that I can trust.
I did send Goldpoll a report of problematic program once using the form from their left navigation widget. Not long after that, they changed their status for the program and I got paid right after.
I encourage anybody who are investing in any HYIP to do the same.
Funds-Broker.com is another HYIP program that has been around since 2015. This is the second HYIP that offers slightly higher interest rate with 2.1% weekly profit.
This is definitely open to higher risk as it attracts more people than similar programs that offers just 2%. The fact that they have been deliver their service for so long, it means the rate is still reasonable but the risk is there.
That is also just the lowest plan as they offer two more. We can just ignore them considering how high the minimum amount and the interest rate they offer. It is very unlikely for anybody to even invest that much money on a program like this.
This is a typical HYIP website with a script from Gold Coders. Like most of them, they don’t even update some of their pages, except for their essential parts.
Funds-Broker.com does a bit update with the main page by adding the referral links there. Maybe there are some more but not that it matters.
The minimum is $30 with no maximum, so a bit high and we can only use Perfect Money to make the first deposit. That is just for the lowest one.
The plan is for 798 calendar days so we will get 114 payments within almost 2 years. With that fixed interest rate, we can reach BEP within 48 weeks or less than a year.
So, even though they have been around for 5 years but technically at this point, the first investor may only get 2 cycles. A lot of other investors may not even reach their BEP yet.
The payment are processed manually and they say it can take up to 5 business days after the request has been submitted. So, it can be more than a week but for my several first payments, I got within 2 business days.
While they do offer referral commission as well which has the typical 0.25% as the base commission rate. If we can have more than 100 referrals, we can get 0.5%.
With the minimum amount of deposit, we will get enough to withdraw by just inviting one investor. We need like 200 active referrals if we want to start the investment just from the commission.
In general, I don’t recommend anybody to invest in Funds-Broker.com or any HYIP program. If anybody still want to do it, they should do it at their own risk. Please read the WARNING section of this article before making that first deposit.
You can use this link to create account with Funds-Broker.com and start the investment. Just make sure we have enough funds in our Perfect Money account balance in USD, for the minimum deposit amount and the transaction fees.
Other Investment Programs
Last Update: October 2022
For the latest update, check out this investment program section in this article. I probably have tried more programs but haven’t written a review for.
Also find out more about alternative way to earn online on that article.
Here are other investment programs that I am currently using. Some of them are also HYIP with rather high interest rate with the same level of risk.
But there are also other investment programs that are not HYIP programs but with lower interest rate and probably less risky.
Please read the article to find out the latest update of each program. There is a chance that they are no longer available and I forget to update this section by the time anybody read this.
BitcoBid.com (HYIP, 2% Weekly, USD)
CityBuildTrade.com (HYIP, 2% Monthly Profit, USD)
Crypto7.com (HYIP, 0.07% daily profit, USD)
LuxioProfit.com (HYIP, 2% Weekly Profit, USD)
SafetyDepositary.net (HYIP, 1% Weekly Profit, USD)
SolidTradeBank.com (HYIP, 2% Weekly Profit, USD)
UCTraders.com (HYIP, 2% Weekly Profit, USD)
UnchartedWealth.com (HYIP, 0.05% Daily Profit, USD)
FreeBitco.in (Cryptocurrency Faucet and Investment, 0.01% Daily Profit, Bitcoin)
Cointiply.com (Cryptocurrency Faucet and Investment, 0.014% Daily Profit, Bitcoin)
Free-Litecoin.com and group (Cryptocurrency Faucet and Investment, 0.02% Daily Profit, Multi Coins)
StakeCube.net (Cryptocurrency Staking and Investment, 0.02% Daily Profit, Multi Coins)
SimpleBits.io (Cryptocurrency Staking and Investment, about 1.64% Daily Profit, Multi Coins)
CryptoWin.io (Cryptocurrency Staking and Investment, about 0.14% Daily Profit, Bitcoin)
HYIP is not the best way to use our money. Even if we use the free money we get from other online program that you can find here on my website.
HYIP is like gambling. There is a big chance that we will lose the money and people would not consider this as a legit way to make money.
Instead, we can invest on our own online business.
If you want to know more about how to start online business, there are a lot of training out there like this one. We can learn about how to set up a website and build content and how to make money online. You can read my review here about them.
Spend and invest our time and money to build a website that can generate an income for ourselves. Unlike investment on HYIP, where if we lose the money we lose everything and need to start over.
If we invest on our website, our hard work can eventually pays off. The only way to lose our investment is if we give up on it or abandon it. We just need to spend some little time everyday and it will grow.
Building a business requires time and hard work. Even Jeff Bezos need two years before Amazon reach return of investment.
The same thing can happen for us on building online business. The sooner we do it the sooner we become successful.
I realize that not everybody still have the time to do this but at least use the money to pay outsource to help you build the website. We just need to learn and understand how the it works and we can pay somebody else to do it for us.
You can learn everything there in the training. Try it, it’s for FREE.
Anybody can use it. Even for a guy without a college degree.
That’s all I can share with you regarding Funds-Broker.com. Maybe I missed something and if you have something to add, please use the comment section below, I would be happy to learn.
Hope this helps. Thanks for reading.