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HYIP stands for High Yield Investment Program.
It gained popularity when e-currencies such as e-gold was introduced.
HYIPs allow investors to invest even in a very small quantity, making the program very popular and easy to follow. As with other investments, high gain means high risk. Many HYIP programs were proven to be scams. Most HYIP companies offer an attractive interest rate of about 1% per day or more.
The yield of a financial instrument, usually a debt instrument, is the rate of return the holder earns on that instrument.
The absolute yield levels vary mainly with expectations of inflation. How yields compare between financial instruments tends to depend mainly on the credit worthiness of the lender, and the maturity of the instrument. The least risky instruments, such as government bonds, virtually always yield less than more risky corporate bonds. The relationship between yields and the maturity of instruments of similar credit worthiness, is described by the yield curve. Long dated instruments typically have a higher yield than short dated instruments; also
High yield debt (non-investment grade or junk bond) is a business term referring to a corporate debt instrument, usually a bond, that has a higher yield (compared to investment grade debt) because of a high perceived credit risk (default risk).
In modern economies, debt is bought and sold in the form of bonds traded in organized markets. The price of a bond is determined by numerous factors, including the interest rate, the term (amount of time before the bond is paid back in full, also known as the time to maturity) and the degree of risk associated with the underlying assets.
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