One of the powers of SMICap's system is that you can let the system increase your regular monthly amounts at least 14 times in 5 years.
You can turn your monthly US$100 to become US$1,440 each, after 5 years in the system. Let's begin with the trend and pattern of growth of the tokens system.
Trend and Pattern
Table 1
| No. | Period | Starting and Ending Value of Tokens during the Period | Value Rise |
| 1st | 6 May 2007 - 24 Sep 2007 | Tokens started from US$0.10 each and reached US$1.18 each | 11.8 times |
| 2nd | 24 Sep 2007 - 15 Aug 2008 | Tokens started from US$0.10 each and reached US$0.42 each | 4.2 times |
| 3rd | 23 Aug 2008 - 6 Jun 2009 | Tokens started from US$0.20 each and reached US$0.44 each | 2.2 times |
| 4th | 13 Jun 2009 - 11 May 2010 | Tokens started from US$0.22 each and reached US$0.51 each | 2.3 times |
| 5th | 14 May 2010 - 28 Sep 2010 | Tokens started from US$0.24 each and reached US$0.41 each | 1.7 times |
| 6th | 5 Oct 2010 - 1 Feb 2011 | Tokens started from US$0.24 each and reached US$0.46 each | 1.9 times |
| 7th | 4 Feb 2011 - 19 Apr 2011 | Tokens started from US$0.26 each and reached US$0.55 each | 2.1 times |
| 8th | 30 Apr 2011 - 29 Jul 2011 | Tokens started from US$0.27 each and reached US$0.52 each | 1.9 times |
| 9th | 4 Aug 2011 - ongoing | Tokens started from US$0.28 each and climbing higher ... | ongoing |
- There will be at least one price-split every year, and
- You will get at least 2 times more tokens every year, due to price-split.
1 year later, you will have 10,000 x 2 = 20,000 tokens total,
2 years later, you will have 20,000 x 2 = 40,000 tokens total,
3 years later, you will have 40,000 x 2 = 80,000 tokens total,
4 years later, you will have 80,000 x 2 = 160,000 tokens total,
5 years later, you will have 160,000 x 2 = 320,000 tokens total.
Another example:-
| Tokens Amount (US$) | After 1st Split | After 2nd Split | After 3rd Split | After 4th Split | After 5th Split |
| $45 | $90 | $180 | $360 | $720 | $1,440 |
So, 5 years later or at the 60th month later, your initial amount will grow by more than 14 times.
Building Golden Money Nest
From the workings of the system as shown above, you could provide yourself a golden money nest for your children's education or your retirement needs, by following the below plan.
The plan is to regularly open a new account under your existing main account (A) for consecutive 30 months, as shown below:-
Table 3
| A - Your Main Account |
| B ( 1 month later ) | C (2nd month later) |
| D (3rd month) | F (5th month) | E (4th month) | G (6th month) |
| H (7th) | L (11th) | J (9th) | N (13th) | I (8th) | M (12th) | K (10th) | O (14th) |
| P (15) | X (23) | AB (27) | T (19) | Z (25) | V (21) | AD (29) | R (17) | Q (16) | Y (24) | AC (28) | U (20) | AA (26) | W (22) | AE (30) | S (18) |
Actions by Month (open new accounts and buy tokens):-
| Left Side - Month and Action | Right Side - Month and Action |
| 1st month - open B under A | 2nd month - open C under A |
| 3rd - open D under B | 4th - open E under C |
| 5th - open F under B | 6th - open G under C |
| 7th - open H under D | 8th - open I under E |
| 9th - open J under F | 10 - open K under G |
| 11th - open L under D | 12th - open M under E |
| 13th - open N under F | 14th - open O under G |
| 15th - open P under H | 16th - open Q under I |
| 17th - open R under N | 18th - open S under O |
| 19th - open T under L | 20th - open U under M |
| 21st - open V under J | 22nd - open W under K |
| 23rd - open X under H | 24th - open Y under I |
| 25th - open Z under J | 26th - open AA under K |
| 27th - open AB under L | 28th - open AC under M |
| 29th - open AD under N | 30th - open AE under O |
Each of these new accounts will be valued 14 times more, by their 60th month respectively. And, by opening one new account for 30 months consecutively, you are:-
- generating a continuous stream of accounts with 14 times more value to your golden money nest, and
- reaping all the benefits of filling up a full binary matrix for 4 levels - reaping all applicable commissions, matching bonus, and leadership bonuses.
For US$100/Month
| Account A - (2D x 8% + 4L x 10% x 8% + 16L x 5% x 8% + 15M x 8%) x $100 = 1.456 x $100 = $145.60 |
| Accounts B & C - 2 x (2D x 8% + 4L x 10% x 8% + 8L x 5% x 8% + 7M x 8%) x $100 = 2 x 0.784 x $100 = $156.80 |
| Accounts D, E, F & G - 4 x (2D x 8% + 4L x 10% x 8% + 3M x 8%) x $100 = 4 x 0.432 x $100 = $172.80 |
| Accounts H, I, J, K, L, M, N & O - 8 x (2D x 8% + 1M x 8%) = 8 x 0.24 x $100 = $192.00 |
Total Commissions + Bonuses = 30 D (Direct) + 28 Leadership (10%) + 32 Leadership (5%) + 49 Matching Bonus = US$667.20
The above total commissions + bonuses earned is for 30 new accounts of US$100 each. And, each account will yield US$1,440 after their respective 60th month.
Total cost is US$3,000 but you will get back US$667.20 and 30 x US$1,440.
A total cost of US$3,000 to yield a total return of US$43,867.20
For US$200/Month
Table 5
| Tokens Amount (US$) | After 1st Split | After 2nd Split | After 3rd Split | After 4th Split | After 5th Split |
| $99 | $198 | $396 | $792 | $1,584 | $3,168 |
The total commissions + bonuses earned for 30 new accounts of US$200 each will be US$1,334.40.And, each US$200 account will yield US$3,168 after their respective 60th month.
Total cost is US$6,000 but you will get back US$1,334.40 + 30 x US$3,168.
A total cost of US$6,000 to yield a total return of US$96,374.40
For US$500/Month
Table 6
| Tokens Amount (US$) | After 1st Split | After 2nd Split | After 3rd Split | After 4th Split | After 5th Split |
| $256.50 | $513 | $1,026 | $2,052 | $4,104 | $8,208 |
Total cost is US$15,000 but you will get back US$3,336 + 30 x US$8,208.
A total cost of US$15,000 to yield a total return of US$249,576
Getting Started
| Description | Normal | Silver | Gold | Platinum | Ruby | Diamold |
| Level | US$100 | US$200 | US$500 | US$1,000 | US$2,000 | US$5,000 |
| Available Amount To Buy Tokens | US$45 | US$99 | US$256.50 | US$531 | US$1,098 | US$2,925 |
| Monthly Profit-Sharing Lots | 1 | 2 | 5 | 10 | 20 | 50 |
| Commission/Bonus Cap | S$400 | S$800 | S$2,000 | S$4,000 | S$8,000 | S$20,000 |
My recommendation to you is to start with a US$500 for account A, and the rest at US$100 each for 30 months.
A slight variation to the above recommendation is: whichever month when you can afford more, go for US$200 for that month, keeping an eye on optimizing your matching bonus and leadership bonuses.
You can also stop after consecutively open new accounts for 14 months (ie., account B all the way to account O). In this case, the commission and bonus will be proportionately lesser.
There is no penalty for missing any month or discontinuation, for whatever reason, with SMICap, unlike most 'Save-As-You-Earn' (SAYE) saving accounts of many banks.
So, why not you try us out and grow your money with us?
To open an account,
please click here.
Earnings - Commissions and Bonuses
The below shows some of the rewards which are given to any members who either open more personal accounts or invite others to open accounts. They are:
Want to know my experience?
To see how and when the system increased my tokens quantity and the value of the tokens in my first account, click here.