freebitco.in Annual investment

[richardsNY]

%4 is nothing near big and it certainly isn't worth taking the risk. No matter how reputable the freebitco.in owner is, accidents do happen from time to time. To remind you; Mt.Gox used to be a reputable exchange too, until they ain't.

 I would rather have my bitcoins in my own local wallet.

It's of course always better to store your coins locally, but people have been shouting about them wanting a Bitcoin bank just because of the interest it would offer over their coins. This basically wipes out the need for such a "bank" as people can get their so loved interest here. In the world of crypto 4% is nothing in terms of annual returns, but it doesn't require people to do anything -- it's all passive. Whether or not it's completely trustworthy, that remains to be seen. People must be aware of the risks they expose themselves to.

[1714161905]

1714161905

[1714161905]

1714161905

[HabBear]

Big time doubts, too high rate and no explanation what will they do with the money.

The rate is realistic. The only other rates we've seen have been 10% a day high-yield investment plan scams. A 4% interest rate is very sustainable.

As for how they'll use the money, they've provided very specific explanation on their website.

This is the explanation directly from their website:

How do you make money to pay us interest?

When you hold money in your FreeBitco.in account, we split it into 3 parts - the first part is used to cover user withdrawals, the second part is used to bankroll our MULTIPLY BTC game and the third part is used to expand our bitcoin mining operation (which is currently over 6 Petahashes or 0.18% of the total hashpower of the bitcoin network). We make a profit and assume the full risks of our businesses and in return for you saving your money with us, we give you a risk-free fixed rate of return.

Below, we have signed a message using our bitcoin address that is used to collect payments from our bitcoin mining operation. This message can be verified on any bitcoin client or here to provide proof that we actually mine bitcoin.

I transferred some coin over to them to try out their offer. I've had zero trouble. They've paid me every day since deposit as promised. The payments are made at random times each day. They track your estimated daily, 7 day, and 30 day and 365 day interest payment. They track your interest earned. And they shows 7 days of history of interest payments.

They have a lot more to lose than they do to gain if they cheat us. Give it a shot!

[machinek20]

Big time doubts, too high rate and no explanation what will they do with the money.

The rate is realistic. The only other rates we've seen have been 10% a day high-yield investment plan scams. A 4% interest rate is very sustainable.

As for how they'll use the money, they've provided very specific explanation on their website.

This is the explanation directly from their website:

How do you make money to pay us interest?

When you hold money in your FreeBitco.in account, we split it into 3 parts - the first part is used to cover user withdrawals, the second part is used to bankroll our MULTIPLY BTC game and the third part is used to expand our bitcoin mining operation (which is currently over 6 Petahashes or 0.18% of the total hashpower of the bitcoin network). We make a profit and assume the full risks of our businesses and in return for you saving your money with us, we give you a risk-free fixed rate of return.

Below, we have signed a message using our bitcoin address that is used to collect payments from our bitcoin mining operation. This message can be verified on any bitcoin client or here to provide proof that we actually mine bitcoin.

I transferred some coin over to them to try out their offer. I've had zero trouble. They've paid me every day since deposit as promised. The payments are made at random times each day. They track your estimated daily, 7 day, and 30 day and 365 day interest payment. They track your interest earned. And they shows 7 days of history of interest payments.

They have a lot more to lose than they do to gain if they cheat us. Give it a shot!

the rate is quite reasonable, and they got pretty famous name for a faucet site, but I still not really 100% trusting my investing in the site, maybe when more people give their testimonial then I will consider for investing, for now I still doubt to invest in the site

[HabBear]

%4 is nothing near big and it certainly isn't worth taking the risk. No matter how reputable the freebitco.in owner is, accidents do happen from time to time. To remind you; Mt.Gox used to be a reputable exchange too, until they ain't.

 I would rather have my bitcoins in my own local wallet.

Hahaha, so you'd be willing to risk your hard earned BTC if the interest rate is bigger? They have a name for those programs - high-yield investment plans - most of them were ponzi schemes.

The thing that makes this offer legit is the fact that they aren't offering a big rate of return, which is totally unrealistic. The high-yield investments were completely unsustainable because they "promised" a high rate of return!

[mindrust]

%4 is nothing near big and it certainly isn't worth taking the risk. No matter how reputable the freebitco.in owner is, accidents do happen from time to time. To remind you; Mt.Gox used to be a reputable exchange too, until they ain't.

 I would rather have my bitcoins in my own local wallet.

Hahaha, so you'd be willing to risk your hard earned BTC if the interest rate is bigger? They have a name for those programs - high-yield investment plans - most of them were ponzi schemes.

The thing that makes this offer legit is the fact that they aren't offering a big rate of return, which is totally unrealistic. The high-yield investments were completely unsustainable because they "promised" a high rate of return!

Well i don't understand why are people busting their ass off for a %1/month or %4/year profit at all. You can easily make 5%-10% in a month if you have the patience. Not me. I am retarded. If you check my earlier posts, you'll see that i knew the 1270bubble and i knew the 950bottom before everything is started (ETF decision) yet i'm out with %3 fucking loss.

Fuck it, i'll try again properly when the next bubble makes its appearance.

More to add: And freebitco.in's %4/Year interest rate doesn't mean shit if bitcoin's price don't move or move negatively. So it's definitely a shit idea. Trading or Holding is much better.

[marlboroza]

So I recently received an email from freebitco.in faucet that are now offering an annual investment for their user.
It promises a 4.08% of annual interest with a minimum of 30k satoshi to be able to participate.

What do you guys think about this?

This is the actual email from them:

Dear FreeBitco.in user,

We are excited to announce a launch of a new feature - a bitcoin savings account!

You can now earn 4.08% annual interest (paid and compounded daily) on any balance that you hold in your FreeBitco.in account, without doing anything!

All you need to do is mantain a balance of at least 30,000 satoshi (0.0003 BTC) in your FreeBitco.in account and we shall pay you compounded interest on your full balance everyday. There is no lock-in period to earn interest (you start earning interest right from the first day!) and your balance can be withdrawn any time you wish. Treat your FreeBitco.in account like an instant-access savings account to hold your excess bitcoins and earn passive interest on your account balance everyday.

It's very hard to think that a faucet site will surely retain its fame for the long time and 1 year i quitely to far to be happen and surely we cannot assure that we can get some profits if dividends happen. And if they are giving only 4% per annum roi per year to us i also think its truly better or shall i call best if we invest on banks while they are giving 8% per 2 years payout with plus additional income from dividends, Just inquire to BDO i believe theirs a bank near you to clarify that.

it's paying daily and it's compounding. your math does not really apply here. you're earning much more than linear 4% per year

No, you are not. You are earning exactly what it says - 4.08% annual.

You can use this calculator https://dicesites.com/tools if you don't believe me. It is pretty much accurate - just put 1BTC base bet, balance 1000, multiply on loss 1.000109589, bet payout 1 and just look at bet amount.
It will show your earnings.

 

[amaral1977]

I think it´s reallistic value, and and site with some reputation. If people are looking for risk free investment, there is no such thing. If people want to use the site with lesser risk just claim the faucet and withdraw. For me it can be another way to diversify.

[HabBear]

%4 is nothing near big and it certainly isn't worth taking the risk. No matter how reputable the freebitco.in owner is, accidents do happen from time to time. To remind you; Mt.Gox used to be a reputable exchange too, until they ain't.

 I would rather have my bitcoins in my own local wallet.

Hahaha, so you'd be willing to risk your hard earned BTC if the interest rate is bigger? They have a name for those programs - high-yield investment plans - most of them were ponzi schemes.

The thing that makes this offer legit is the fact that they aren't offering a big rate of return, which is totally unrealistic. The high-yield investments were completely unsustainable because they "promised" a high rate of return!

Well i don't understand why are people busting their ass off for a %1/month or %4/year profit at all. You can easily make 5%-10% in a month if you have the patience. Not me. I am retarded. If you check my earlier posts, you'll see that i knew the 1270bubble and i knew the 950bottom before everything is started (ETF decision) yet i'm out with %3 fucking loss.

Fuck it, i'll try again properly when the next bubble makes its appearance.

More to add: And freebitco.in's %4/Year interest rate doesn't mean shit if bitcoin's price don't move or move negatively. So it's definitely a shit idea. Trading or Holding is much better.

What's busting their ass off? You don't have to do anything...just leave your coins in their account and earn your 4%, compared to 0% in any other wallet.

Where are you getting 5-10% in a month? Are you talking about trading? Trading comes with a lot of risk, in the general terms of the banking market (not the bitcoin market), this 4% is  the risk-free rate.

And actually the 4% interest means THE MOST if Bitcoin's price "don't move". If it's not moving the interest is the only gain you're making. How can you say "trading or holding is much better" when those things are literally opposite?

Your thought process is lacking something.

[Kakmakr]

%4 is nothing near big and it certainly isn't worth taking the risk. No matter how reputable the freebitco.in owner is, accidents do happen from time to time. To remind you; Mt.Gox used to be a reputable exchange too, until they ain't.

 I would rather have my bitcoins in my own local wallet.

The difference here is, with MtGox you could buy a plane ticket and go protest in front of MtGox's offices and wait for Mark to show his face and publicly shame him for stealing your money. The people behind Freebitco.in is 100% anonymous, so if something goes wrong, you will not be able to face them.

If this was not Bitcoin, would you still invest in a company with 100% anonymity?  ^hmmmmmmm^

[HabBear]

%4 is nothing near big and it certainly isn't worth taking the risk. No matter how reputable the freebitco.in owner is, accidents do happen from time to time. To remind you; Mt.Gox used to be a reputable exchange too, until they ain't.

 I would rather have my bitcoins in my own local wallet.

The difference here is, with MtGox you could buy a plane ticket and go protest in front of MtGox's offices and wait for Mark to show his face and publicly shame him for stealing your money. The people behind Freebitco.in is 100% anonymous, so if something goes wrong, you will not be able to face them.

If this was not Bitcoin, would you still invest in a company with 100% anonymity?  ^hmmmmmmm^

Not entirely anonymous. Bitcointalk.org member Wetsuit is regularly present and answering questions about developments with Freebitco.in. He speaks as if s/he is the owner or representative, although his username and profile information don't explicitly say so.

Here's his profile: https://bitcointalk.org/index.php?action=profile;u=154142

Here's the Freebitco.in thread he started and frequently posts on: https://bitcointalk.org/index.php?topic=319540.0

[mindrust]

%4 is nothing near big and it certainly isn't worth taking the risk. No matter how reputable the freebitco.in owner is, accidents do happen from time to time. To remind you; Mt.Gox used to be a reputable exchange too, until they ain't.

 I would rather have my bitcoins in my own local wallet.

Hahaha, so you'd be willing to risk your hard earned BTC if the interest rate is bigger? They have a name for those programs - high-yield investment plans - most of them were ponzi schemes.

The thing that makes this offer legit is the fact that they aren't offering a big rate of return, which is totally unrealistic. The high-yield investments were completely unsustainable because they "promised" a high rate of return!

Well i don't understand why are people busting their ass off for a %1/month or %4/year profit at all. You can easily make 5%-10% in a month if you have the patience. Not me. I am retarded. If you check my earlier posts, you'll see that i knew the 1270bubble and i knew the 950bottom before everything is started (ETF decision) yet i'm out with %3 fucking loss.

Fuck it, i'll try again properly when the next bubble makes its appearance.

More to add: And freebitco.in's %4/Year interest rate doesn't mean shit if bitcoin's price don't move or move negatively. So it's definitely a shit idea. Trading or Holding is much better.

What's busting their ass off? You don't have to do anything...just leave your coins in their account and earn your 4%, compared to 0% in any other wallet.

Where are you getting 5-10% in a month? Are you talking about trading? Trading comes with a lot of risk, in the general terms of the banking market (not the bitcoin market), this 4% is  the risk-free rate.

And actually the 4% interest means THE MOST if Bitcoin's price "don't move". If it's not moving the interest is the only gain you're making. How can you say "trading or holding is much better" when those things are literally opposite?

Your thought process is lacking something.

Yes, If i were to take risks, i would take them with trading. That 4%/year from freebitco.in isnt risk free. Don't spit out wrong information.

And yes if bitcoin's don't move; you'll only get %4/year. I don't call that a big profit. It might be enough for some people.

If you hold bitcoins and wait them to grow, lets say you made %30 profits by doing so, what difference will another %4 make? Is it worth for the risk? No. I wouldn't trust my coins in that website even if they were giving 100% ffs. Here you have it.

[HabBear]

Yes, If i were to take risks, i would take them with trading. That 4%/year from freebitco.in isnt risk free. Don't spit out wrong information.

And yes if bitcoin's don't move; you'll only get %4/year. I don't call that a big profit. It might be enough for some people.

If you hold bitcoins and wait them to grow, lets say you made %30 profits by doing so, what difference will another %4 make? Is it worth for the risk? No. I wouldn't trust my coins in that website even if they were giving 100% ffs. Here you have it.

Don't misrepresent what I'm saying.

Let's test your logic...where do you keep your coins? What wallets do you use? Which exchange do you use? Do you spend or hold? Do you trade?

If you're honest with me, I bet you'll find that you risk just as much in your world as one does with Freebitco.in.

I'll be honest with you, the coin I have on deposit was with Coinbase. Do I take on more risk by having deposits at Freebitco.in rather than Coinbase? No. Same risk. Same lack of control over my coins (really)...just like we all take on with the fiat we leave in a bank account. Except with Freebitco.in I get compensated for my risk...that's the 4%. And with every tenth of a bitcoin I earn in interest, I expand my base to earn more profit when the price of bitcoin grows 30% (using your example.)

Another difference that another 4% makes is that while your bitcoin sits idle, when there isn't appreciation in price, actually means you're losing value as the cost of everything in the world raises. I get to offset that with this interest...that's my worst case (all things being equal).

It's funny how people believe in fiat with all the faith and trust in the world but fail to carry that trust over into Bitcoin - a currency that has no less safety than fiat and espouses the ideal that it will be better than fiat, less corrupt.

Maybe if we all started giving a few more fucks we could build trust in this system that's truly worthy of it, rather than squander that trust in a government controlled fiat system.

[mrcash02]

Yes, If i were to take risks, i would take them with trading. That 4%/year from freebitco.in isnt risk free. Don't spit out wrong information.

And yes if bitcoin's don't move; you'll only get %4/year. I don't call that a big profit. It might be enough for some people.

If you hold bitcoins and wait them to grow, lets say you made %30 profits by doing so, what difference will another %4 make? Is it worth for the risk? No. I wouldn't trust my coins in that website even if they were giving 100% ffs. Here you have it.

Don't misrepresent what I'm saying.

Let's test your logic...where do you keep your coins? What wallets do you use? Which exchange do you use? Do you spend or hold? Do you trade?

If you're honest with me, I bet you'll find that you risk just as much in your world as one does with Freebitco.in.

I'll be honest with you, the coin I have on deposit was with Coinbase. Do I take on more risk by having deposits at Freebitco.in rather than Coinbase? No. Same risk. Same lack of control over my coins (really)...just like we all take on with the fiat we leave in a bank account. Except with Freebitco.in I get compensated for my risk...that's the 4%. And with every tenth of a bitcoin I earn in interest, I expand my base to earn more profit when the price of bitcoin grows 30% (using your example.)

Another difference that another 4% makes is that while your bitcoin sits idle, when there isn't appreciation in price, actually means you're losing value as the cost of everything in the world raises. I get to offset that with this interest...that's my worst case (all things being equal).

It's funny how people believe in fiat with all the faith and trust in the world but fail to carry that trust over into Bitcoin - a currency that has no less safety than fiat and espouses the ideal that it will be better than fiat, less corrupt.

Maybe if we all started giving a few more fucks we could build trust in this system that's truly worthy of it, rather than squander that trust in a government controlled fiat system.

But we must know the different kinds of risks we are taking. The risk to lose coins stored in CoinBase is lower than the risk to lose BTCs stored in FreeBitco.in, considering Coinbase safer. I believe most people think this way, people don't trust a faucet site very much to store a big BTC amount.

But if we compare the risks between trade and FreeBitco.in it's safer to invest to earn the 4.08% annual as the money generates passive income and we don't need to take the risk everytime selling and buying Bitcoins, with average losses risk.

It's upon to each one of us. It depends the personality of each one of us, for some one option is better, for anothers the other option is better...

[BitHodler]

But we must know the different kinds of risks we are taking. The risk to lose coins stored in CoinBase is lower than the risk to lose BTCs stored in FreeBitco.in, considering Coinbase safer. I believe most people think this way, people don't trust a faucet site very much to store a big BTC amount.

But if we compare the risks between trade and FreeBitco.in it's safer to invest to earn the 4.08% annual as the money generates passive income and we don't need to take the risk everytime selling and buying Bitcoins, with average losses risk.

It's upon to each one of us. It depends the personality of each one of us, for some one option is better, for anothers the other option is better...

You can't really compare Coinbase with FreeBitco.in when it comes to "storing" coins. Mainly because of the fact that Coinbase is properly insured against all sorts of thefts. It gives people a safe feeling.

FreeBitco.in purely relies on the reputation that they have been building up throughout the years. It won't do anything in case there happens to be a theft or whatever other scenario that would make them lose their coins.

But yes, if you compare a "guaranteed" form of passive income to the potential profits that trading allows people to make, then sure, the 4% offered as annual interest is the safest option.

[mindrust]

Yes, If i were to take risks, i would take them with trading. That 4%/year from freebitco.in isnt risk free. Don't spit out wrong information.

And yes if bitcoin's don't move; you'll only get %4/year. I don't call that a big profit. It might be enough for some people.

If you hold bitcoins and wait them to grow, lets say you made %30 profits by doing so, what difference will another %4 make? Is it worth for the risk? No. I wouldn't trust my coins in that website even if they were giving 100% ffs. Here you have it.

Don't misrepresent what I'm saying.

Let's test your logic...where do you keep your coins? What wallets do you use? Which exchange do you use? Do you spend or hold? Do you trade?

If you're honest with me, I bet you'll find that you risk just as much in your world as one does with Freebitco.in.

I'll be honest with you, the coin I have on deposit was with Coinbase. Do I take on more risk by having deposits at Freebitco.in rather than Coinbase? No. Same risk. Same lack of control over my coins (really)...just like we all take on with the fiat we leave in a bank account. Except with Freebitco.in I get compensated for my risk...that's the 4%. And with every tenth of a bitcoin I earn in interest, I expand my base to earn more profit when the price of bitcoin grows 30% (using your example.)

Another difference that another 4% makes is that while your bitcoin sits idle, when there isn't appreciation in price, actually means you're losing value as the cost of everything in the world raises. I get to offset that with this interest...that's my worst case (all things being equal).

It's funny how people believe in fiat with all the faith and trust in the world but fail to carry that trust over into Bitcoin - a currency that has no less safety than fiat and espouses the ideal that it will be better than fiat, less corrupt.

Maybe if we all started giving a few more fucks we could build trust in this system that's truly worthy of it, rather than squander that trust in a government controlled fiat system.

I use electrum wallet. I some times take them to btc-e and make trades there. But this event is very rare and only if i see a very obvious bubble. I sell my coins and rebuy them from a lower price. That's my trading strategy. It has one downside though. I can be wrong and may get trapped in a bulltrap. In this case my FIAT money will be staying on the exchange till i get the price i expected earlier. Sometimes i panic rebuy and fuck up my strategy but it is not because my strategy is bad. It is because i decide to become a pig sometimes. And you know why? Because i am afraid of exchange hacks. I don't want to wait longer than i expect. That's why i take my loss and leave. So unless i get my profit in a month or two, trading ain't worth it. You better hold your coins in somewhere safe.

Coinbase, freebitco.in, poloniex, btc-e, citibank, hsbc, deutschebank, xxxxdice... it doesn't matter where you put your money. All same.

Unless you have full control of your money you are at risk. Waiting for 1 year to get a 4% profit?? This is MADNESS.

That's my logic.

Edit: Actually i'm now thinking to transfer my funds into a offline/cold paper wallet and i won't ever move them till they become massively big. (i mean as big as a house )

[Barbut]

So I recently received an email from freebitco.in faucet that are now offering an annual investment for their user.
It promises a 4.08% of annual interest with a minimum of 30k satoshi to be able to participate.

What do you guys think about this?

This is the actual email from them:

Dear FreeBitco.in user,

We are excited to announce a launch of a new feature - a bitcoin savings account!

You can now earn 4.08% annual interest (paid and compounded daily) on any balance that you hold in your FreeBitco.in account, without doing anything!

All you need to do is mantain a balance of at least 30,000 satoshi (0.0003 BTC) in your FreeBitco.in account and we shall pay you compounded interest on your full balance everyday. There is no lock-in period to earn interest (you start earning interest right from the first day!) and your balance can be withdrawn any time you wish. Treat your FreeBitco.in account like an instant-access savings account to hold your excess bitcoins and earn passive interest on your account balance everyday.

It is just next level for this service. @wetsuit - owner of freebitco.in - explain that they already opened own Bitcoin farm, and in that way they will cover costs of users annual earnings.
From long time he build reputation in Bitcoin community, so I don't see reason to not trust him, but of course everyone have take own decision about investment like this.
In my opinion 4.08 % for cryptocurrencies is not much, so i will not take this service as good investment or even saving method.

Edit: You can read more about that here: https://bitcointalk.org/index.php?topic=320959.msg18109501#msg18109501

I didn`t know about the farm, after calculating how much I can risk there and how much profit I can make in a year I decided to not invest nothing there. By the way I received same mail weeks ago, I also opened a new thread about it https://bitcointalk.org/index.php?topic=1826156.0.

I wish to pay attention on argue in this thread between some members and Mindtrust. I agree with Mindtrust, I will rather risk my coins on something else where I can make better profit. To just keep my coins on freebitco.in and to get 4 % is too big risk, how much coins do I need to make some good profit, I need to invest too much and that is a big risk to keep all that coins there.

[keyscore44]

So I recently received an email from freebitco.in faucet that are now offering an annual investment for their user.
It promises a 4.08% of annual interest with a minimum of 30k satoshi to be able to participate.

What do you guys think about this?

This is the actual email from them:

Dear FreeBitco.in user,

We are excited to announce a launch of a new feature - a bitcoin savings account!

You can now earn 4.08% annual interest (paid and compounded daily) on any balance that you hold in your FreeBitco.in account, without doing anything!

All you need to do is mantain a balance of at least 30,000 satoshi (0.0003 BTC) in your FreeBitco.in account and we shall pay you compounded interest on your full balance everyday. There is no lock-in period to earn interest (you start earning interest right from the first day!) and your balance can be withdrawn any time you wish. Treat your FreeBitco.in account like an instant-access savings account to hold your excess bitcoins and earn passive interest on your account balance everyday.

It is just next level for this service. @wetsuit - owner of freebitco.in - explain that they already opened own Bitcoin farm, and in that way they will cover costs of users annual earnings.
From long time he build reputation in Bitcoin community, so I don't see reason to not trust him, but of course everyone have take own decision about investment like this.
In my opinion 4.08 % for cryptocurrencies is not much, so i will not take this service as good investment or even saving method.

Edit: You can read more about that here: https://bitcointalk.org/index.php?topic=320959.msg18109501#msg18109501

I didn`t know about the farm, after calculating how much I can risk there and how much profit I can make in a year I decided to not invest nothing there. By the way I received same mail weeks ago, I also opened a new thread about it https://bitcointalk.org/index.php?topic=1826156.0.

I wish to pay attention on argue in this thread between some members and Mindtrust. I agree with Mindtrust, I will rather risk my coins on something else where I can make better profit. To just keep my coins on freebitco.in and to get 4 % is too big risk, how much coins do I need to make some good profit, I need to invest too much and that is a big risk to keep all that coins there.

Whether someone decides to invest in Freebitco.in is the private choice of every person.
I agree that keeping coins in online wallet is always a risk, no matter how much confidence this service has.
In this situation, each person must individually calculate and evaluate the investment risk. For me ~ 4% per year, compared to the risk associated with online wallet is too little.

[JL421]

Yeah even i got an email like that i would recommend you to refraim from actually taking advantage of this offer as there is a high chance the site isn't in profit anymore so they want to grab as much as bitcoin possible and suddenly disappear. Plus bitcoin gives a annual return of 20% per year so extra 4% would be worth it.

[HabBear]

To just keep my coins on freebitco.in and to get 4 % is too big risk, how much coins do I need to make some good profit, I need to invest too much and that is a big risk to keep all that coins there.

Sounds like it's not the risk you're concerned about, but rather it's the low return that keeps you from getting interested in this. That's fine. But realize that in the world of investing a low rate = lower risk. So if THIS opportunity is too risky for you, so should every other opportunity that offers you a greater return...aside from simply holding bitcoin.

[jacee]

Yeah even i got an email like that i would recommend you to refraim from actually taking advantage of this offer as there is a high chance the site isn't in profit anymore so they want to grab as much as bitcoin possible and suddenly disappear. Plus bitcoin gives a annual return of 20% per year so extra 4% would be worth it.

I'm actually not. Investing in any kind of investments isn't my thing. Also the fact that it gives a 4% annual profit isn't that promising for me. I'd rather use the money in trading than to put it in them even if they do have a reputation to hold. If you'd think about it you'll get more profit in trading than this in a shorter period of time.