HYIP's are some of the most risky money making methods out there. Everyone varies from the next but they usually consist of the following:

Visitors invest money, usually anything from a few dollars up to thousands. After investing the investor will then receive a percentage of interest every day for a period of time, usually around 30 days. The amounts vary widely but investors can expect to back 125% - 150% of what they invested.

The obvious question is if the HYIP pays everyone 150% on their investment, how can they make money?

The legitimate HYIP programs take your initial investment and usually do one of the following:

In short, the operators of the HYIP use the money to invest it in something themselves, hoping that their investment will bring better returns than the ones they have to pay to their investors - hence the name - High risk.

Some HYIP's are complete scams and just take your money and disappear. If you are interested in HYIP programs be very careful about which ones you put your money into. Try to use forums where many people are recommending a certain HYIP.