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HyperFund vs YieldNodes – which is the best?

Photo by Romain Paget on Unsplash

HyperFund vs YieldNodes – which is the best?

This is a review of my personal experience with HyperFund and YieldNodes. If you’ve read other posts, you’ll already know that I love both these programs and have been with them since December 2020, but how did I split my funds? And how do I feel about them now, six months later?

Note that neither are financial services companies; YieldNodes is a server rental program with profit share and HyperFund is a membership program with rewards. 

What was my situation?

Personal finance is called personal finance for a reason. And what’s one person feels is best for them can be very different to the next. So, for background, here’s an outline of where I was in terms of available money, time and other considerations.

1. Money:

I’d pulled together money via saving on the van conversion and doing a big ‘clear out’ in November/December 2020 (ie. selling everything that wasn’t being used from books to neglected websites!). I also sold out some crypto that I had remaining in odd wallets since 2017. 

You can read more about how we made those savings on the van here — these savings are where a large chunk of the funds came from.

I won’t share exact amounts, however the sum I managed to accumulate by saving and selling was into five figures. 

2. Time:

Technically, apart from working on the van, a few web maintenance responsibilities and usual life stuff, I could have had a fair bit of free time. However, I was given the opportunity to extend and expand an existing freelance contract that would take me until around April 2021. 

Between the freelance work, the van conversion and other ‘life stuff’, my available time to invest would be virtually none.

Alternatively, I could decline the work and kick off 2021 ‘time-rich’ but less well off in terms of cash.

3. Wants:

I knew I wanted to spread my risk between 2-3 opportunities and that I didn’t want anything that required selling or recruitment.

It must be suitable for van life (ie not require lots of hardware or energy, not be tied to a time/location, not require ‘always on’ internet connection) and it needed to be easy to withdraw. The more passive, the better; or at least, minimal responsibility.

I’m very bullish on blockchain/crypto. However, I wanted something that was more stable and less volatile than crypto itself and that didn’t compel me to check crypto prices every day/hour.

The opportunities

After researching many opportunities and testing a few (which I’ll document at some point) two stood out from the crowd; YieldNodes and HyperFund

Both opportunities were in the blockchain space, but not directly correlated to cryptocurrency price fluctuations (crypto such as Bitcoin can rise and fall in value a lot — daily changes of 20% are not unusual and this is something I was keen to avoid as I would already be investing in crypto directly and wanted to iron-out some of the volatility if possible). And the due diligence I carried out for each was enough to satisfy my risk-reward thresholds.

Each program made it simple to deposit. And each operated very differently which helped spread the risk a little.

The general risk assessment

I made the following decisions based on a loose formula that I use for assessing opportunities and risk that relates to time, money, emotion and a few other factors such as responsibility, internet connectivity requirements and hardware/energy requirements.

These assessments are in addition to due diligence on the individual opportunity.

Overall, my decisions were to:

  1. Take the 4 months contract work – having four months income from contract work would reduce my overall risk and both opportunities required almost zero time commitment, so I wouldn’t be distracted from my freelance responsibilities.
  2. Invest heavily in the 2 passive income opportunities – the same time is required regardless of amount. And the greater the investment, the greater the return. Doing #1 enabled me to do #2 😉
  3. De-risk as fast as possible – by withdrawing and taking advantage of each opportunity’s ‘strengths’ to maximise return I would be able to de-risk regularly and quickly.

This worked for me in terms of my personal risk threshold and comfort level. Whilst I would have preferred the free time to work on the van and explore other opportunities as we entered 2021 (instead of freelancing), doing that would have required me to hold back some of those savings as income contingency.

Decision table: Time vs Money (vs Reward)

The following table gives you an overview of why I decided to knuckle down and take the contract. As you can see, where there was a ‘negative’ in one option, the other option countered it.

The Freelance Contract The Passive Opportunities
Initial requirements (pre-start):
$$$ Zero High
Time Zero Very Low
Ongoing requirements:
$$$ Zero Zero
Time High Virtually Zero
Risk:
Loosing $$$ * Virtually Zero Medium-High*
Loosing Time High Virtually Zero
Responsibility Medium-High Virtually Zero
Emotion/stress Medium Low
Potential $$$ returns:
Immediate $$$ (month 1) High Medium-High
Ongoing passive income Zero High

Taking the contract gave me confidence as it allowed me to buy a large value in HyperFund memberships and YieldNodes, knowing that I’d have paid work coming in for a few months which would mitigate any potential loss.

Let’s face it; the first time you put money into something, especially a substantial sum, it’s pretty nerve-wracking!

*De-risking potential $$$ loss was one of the primary reasons I weighted HyperFund more heavily than YieldNodes – because I could withdraw more quickly and the return was faster. More info below.

How I initially split my funds and the reasons

I put 80% into HyperFund and 20% to YieldNodes. 

It’s difficult to create a comparison table between Hyperfund and Yieldnodes because they are both very different opportunities with very different mechanisms. Below were some of the considerations (beyond general due diligence).

HyperFund YieldNodes
What is it? Membership rewards program Server rental with profit share
Minimum cost to participate 300 USD 500 EUR (approx 600 USD)
What is the monthly rewards based on historical and/or claims?
15%*
(0.5% rewards per day)
11%
(historical average - varies)
In theory, what is the shortest length of time to get your initial deposit back?
200 days *
(0.5% X 200 days = 100%)
Approx 220 days
(6 months to unlock, then 6 weeks)
What is the soonest you can see withdrawals back in your pocket? Around 48-72 hours
Approx 2 months
(depends on deposit date)
How frequently can you withdraw? Daily Monthly
How frequently can you rebuy or compound? Daily Monthly
In theory, how quickly could you start to de-risk via withdrawals? After 24 hours,
then daily
After 1-2 months,
then monthly
How big is the potential to grow, beyond the core opportunity?
Massive
(multi-level community growth program)
Average
(single-level basic affiliate referral program)
Important things to note HyperFund is a membership rewards program that provides 3X at 0.5% per day for the purchased membership(s). This is per membership, not ‘forever’. YieldNodes is a server rental program that provides return via monthly profit share. In theory, the capital remains intact and the return continues 'forever'.

The main reasons for 80% initially going to HyperFund (from my perspective) were:

  • The DAILY release of rewards ie. the ability to start withdrawing immediately 
  • Lots of evidence of people withdrawing and I could test with a small sum
  • The ‘stable’ and higher release (0.5% per day = 15% per month)
  • I knew I could increase that beyond 15% by structuring some accounts

In theory the higher % rate and DAILY release meant I could de-risk much, much faster with HyperFund than with YieldNodes.

* By structuring accounts, I managed to increase mine to around 20%/mth and reduce the 200 days to <150.

Below are some other reasons you might consider HyperFund over Yieldnodes. 

These were not big decision factors for me at the time and, although the larger community growth opportunity definitely earned HyperFund points (and would earn them A LOT MORE now that I know what I know!), it wasn’t a major factor in my decision because at the time I was looking for 100% passive.

  • Free crypto education and training (live Zoom and recorded videos)
  • Smaller minimum requirement of just $300 (Yieldnodes is 500 Euro)
  • MASSIVE opportunity to accelerate your rewards by growing the community

If you have less cash, or you wish to ‘test the water’ with as little as possible, HyperFund is more accessible. But more importantly, if you have ambition to either learn, teach or put a little bit of effort in and totally change your life, then HyperFund gives you the opportunity to do that; with a bit of effort and very little money through their community referral program.

What I did with HyperFund

I did a few deposits, I tested the rebuys and withdrawals. Then I essentially went ‘all in’ with my 80%, and withdrew regularly until I’d drawn down to an amount that I felt comfortable with. I used my withdrawals to fund Yieldnodes and buy crypto.

Now I’m withdrawing and rebuying at approximately 50:50 – this allows me to continue to grow my HyperFund memberships whilst providing me with working capital for other projects (or to treat myself!).

How much daily time does HyperFund require?

It requires zero time, however if you want to do something such as rebuy or withdraw, that can take anything from a few seconds to around 5 minutes.

For me, the time I spent was mostly in due diligence and making the decision that Hyperfund was right for me.

In terms of ‘doing’, it only takes a few minutes for deposit (all of which I completed in the first few weeks).

Then for the first 4 months I withdrew 1-2 times per week. This takes about 5 minutes logging into your account and verifying all the security stuff to initiate the withdrawal.

Now, when I’m rebuying it takes 30 seconds each day. And again, if I want to withdraw, it takes the best part of 5 mins to login and pass all the security verifications etc.

The initial setup might take you a little longer than me because if you’re new to crypto, you’ll need to set up accounts on a few exchanges such as Coinbase, Binance or OKex so you can exchange your fiat currency (eg USD, GBP, EUR) to crypto (Tether, USDT) and then deposit. I already had accounts in various exchanges, however even within the past 5 months there are now much faster/easier ways to deposit 🙂

Also, if you want to structure some Hyperfund accounts to squeeze a few more %, that will take a little bit of time initially, however it requires no extra time ongoing. Completely optional, but worth it if you’re looking at larger sums.

So basically, it takes me 30 seconds per day to rebuy or 5 mins if I’m withdrawing. And I don’t have to do either! Yep I don’t have to login every day and rebuy – it just makes sense to do so as it makes your funds work harder for you, rather than sitting there, doing nothing.

Get your HyperFund invite

What I did with YieldNodes 

I deposited the other 20% to YieldNodes and set it to auto-compound 100% of the profits back into the system. 

I then topped up; 

  • In February with a lump sum from January freelance work
  • In February/March from HyperFund withdrawals

I’m continuing to 100% compound until June after which I may withdraw my initial investment &/or start partially compounding and withdrawing monthly. Haven’t decided yet as much depends on other factors.

How much daily time does YieldNodes require?

Similar to Hyperfund, the time was more in the due diligence and making the decision that the opportunity was right for me. In terms of ‘doing’, it only takes a few minutes to deposit and virtually zero ongoing.

If you are compounding, absolutely zero time is required – everything is automatic.

The withdrawal process takes just a few minutes, however unlike Hyperfund, you can only initiate withdrawals once per month and they process these withdrawal requests in windows; you need to make the request before 15th of month, and you’ll have your funds by 8th of following month, in Bitcoin.

By June 2021, my initial deposits will become ‘unlocked’ (6 months have passed) and I could start withdrawing in larger chunks than just the monthly returns (ie, I could withdraw anything that is unlocked AND my monthly returns if I wish).

Similar to Hyperfund, my decision to withdraw or rebuy/compound is not only based on the platform. It is based on many other factors, e.g. if the cryptocurrency market is in ‘bull mode’ and I feel there is more opportunity there, then it makes more sense for me to withdraw heavily. Same goes for other opportunities that might arise and personal situation.

24th July 2021 update – in June I decided to start withdrawing a % each month. Currently this is going into Strong Nodes to further diversify my profile.


The above banner uses my referral link (https://yieldnodes.com?a=OkWqAQ547Mjnmb1)

Where I am today

At this time, almost six months later, I’ve withdrawn 90% of what I originally deposited to HyperFund. I probably would have stopped at around 70% and started partially rebuying however, I have been doing 2 things with the Hyperfund withdrawals:

  1. Depositing to Yieldnodes
  2. Purchasing cryptocurrency

The first quarter of 2021 has been very much in a ‘bull market’ for cryptocurrency which is one of the main reasons for these choices. If the market had been flat or ‘bear’, I may have started rebuying with Hyperfund rewards much sooner.

As of June, I’ll be withdrawing a percentage monthly return from YieldNodes and compounding the rest, similarly with HyperFund, I’m alternating between withdrawals and rebuys.

The aim of the game is to keep the money working hard, whilst reducing risk 😉

  • 24th July 2021 update:
  • HyperFund – I withdrew at 100% for a while longer as I discovered Strong nodes and needed cash. Once that’s funded, the intention is to approx 50:50 rebuy:withdraw.
  • Yieldnodes – I’ve reduced auto-compounding from 100% to 50% and am withdrawing monthly into BTC. This is basically hands-free DCA into BTC. I also took out a chunk for Strong nodes — this is now one of my top passive income streams 🙂

Would I do things differently?

Knowing what I know now, the more profitable route would certainly have been to get stuck into HyperFund and actively participate in their community growth and ‘accelerated rewards’ sooner. 

However, after assessing my personal situation, the opportunities available to me and my appetite for risk, I decided to go down the ‘totally passive’ route and earn reliable income via the freelance contract. Also, I wouldn’t be comfortable sharing something without first having decent experience in it.

Whilst this was not the most profitable route, it was the right choice for me at the time; I’m working towards a life of freedom and while developing a passive income and becoming financially free is a big part of that, it’s not just about money, it’s about happiness, which means it’s also about stress and comfort… 

In summary; I chose the route that seemed the best balance of risk and reward for me. 

Yours might be different…

Which one is right for {me}?

If you’re asking yourself this question, I can provide information and insight based on my own experience, however just as I did, you will need to assess your personal situation and decide what feels best for you. I can’t do that for you, however I can help. 😃

For example, if you have minimal funds but want to get stuck into something, learn and grow a business opportunity then, HyperFund provides a massive opportunity. Even more so if you have an existing network or following.

If you have more funds and know you want to be completely passive, then Yieldnodes might be better (or for a bit of diversification, splitting between HyperFund and YieldNodes is better still).

Which is the winner?

Both are great and I’m very happy to have diversification within my ‘high risk’ income streams. And yes, do remember folks; these are not bank accounts. They are not financial services – they are unregulated, ‘new world’ opportunities that have come about through blockchain technology and clever, hard working individuals.

Whilst both are awesome, if you want a community and crypto education, have an appetite for success and want the power to personally influence outcomes, grow beyond your wildest dreams and change your life (even with minimal funds!) then there is a very clear winner: HyperFund.

If you prefer 100% passive then register for Yieldnodes, set compounding to 100% and forget about it.

Get your HyperFund invite

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