Let’s say you have 100 dollars. You pick 10 random HYIP and invest 10 bucks in each. After all, there never is any guarantee in HYIP, you rationalize. 8 of them became defunct within 2 days of your investment, without you earning a cent. Two lasted long enough to give you a 200% return (I am assuming generously here). How much have you earned with your initial 100 bucks? A total of 40 dollars. You lose 60 buck to the myth of diversifying.I am not telling you to put all your eggs in one...