In Focus: KUM Holdings

by Tony Clifton

KUM is a very private program. So private that one is not even allowed to tell its name. Well, we'll be a bit disrespectful here and will tell its name. Otherwise you won't know what we are talking about :-)

To join it simply send a blank email to agreement@kum-holdings.com. But i'd recommend you at leats read our review before doing that.

So what about KUM? The first a bit shocking thing is that mentiuoning its name is against their NDA. Since i am not an investor or at leats not such one that they can find, i have no problem with that. But why would a program have problems of being discussed and even of mentioning its name? Very, very strange.

Anyway, let's see what we know about KUM. The program is paying 10% weekly non compounded for 52 weeks. It has been verified by Team Aaron Shara which also offers a pool to join KUM. To join directly you need $5k. To join thru TAS, $100 is enough.

What does their WHOIS info show? The site is hosted in Israel on a server owned by safe-mail.net and the domain is owned by them. This means the whois or any other website related search will show us nothing about KUM.

The bad side:

- 10% weekly just can't be real. Yes, it is non-compounding and only for 52 weeks. And still it is not realistic
- there is no DD except the one that TAS claim to have made
- FeederFund was planning to do DD on KUM. At the same time KUM published a newsletter to their private members in which part of the texts were blatantly copied from some of the FF report. KUM explained it was a mistake of their staff. Matthew from FF decided not to proceed their relationship
- there is literally no way to find out about them. No real website, no DD, disallowed discussion
- there is a high 5k minimum
- at the same time they say they don't want to be discussed, they are forming pool in TAS, getting checked by FF and freely discussed


The good side:

- they are paying so far
- there is the TAS pool so you can join with 100
- at 10% weekly you need only 10 weeks to recap your principal
- they have a folder on ProjectPCF forum, which is considered reliable

Conclusion: Blatant ponzi, but this does not mean you can't profit from it
Let's face it, 10% weekly just isn't real. Its not about that our bad flags are 6 and the good are only 4. All other is pointless when we talk about 10% weekly. However the program is rather trusted because of the TAS approvement and the whole "private" story and a small army of cheerleaders. So It could survive another 6-12 months. But it is not real. believe me please. Don't invest directly. Use a pool and do it only if you don't have moral problems about investing in ponzis.

Our rating:
Safety: 2 out of 5
Profitability: 4 out of 5
Customer support: 2 out of 5
Due Diligence: 1 out of 5
Average rating: 2.25

Please, be careful. You can make some fast buck here, but you can loose as well. If you are going to try it, do it before the end of Feb and don't go directly unless you are very rich.

Published at Dec, 28 '05 ; read 1879 times;

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User comments:

mikejody at Jan, 02 '06 17:27
They have not paid for this Monday and no mail explaining why.
Reply to this comment

clifton at Jan, 03 '06 01:34
Don't know yet, let's give them some time, considering it was a holiday. I will not be much surprised, but i expected them to live some time yet - looks a lot of people were investing recently
Reply to this comment

kolibri at Jan, 03 '06 06:12
I prefer investment offers that do not go public with their info. Some of us have made investments in excess of $25K, have received further due diligence available to those who can show assets of $50K+. KUM is changing over to e-bullion as the preferred paysystem. As to the 10% per week rate, using proper trading methods and leverage such return is indeed feasible. Example: I trade my own currencies with a 200:1 leverage. I purchase a contract for $50 giving me control over $10,000 in a given currency pair. That pair makes me a profit of just .1% for the day and I would have earned $10 which equals 20% on my own funds. At a certain level of financial capabilities such rerturns as KUM offers are not unusual. Calling something a Ponzi without having FACTS or EVIDENCE of such is careless. Unless it is known what exactly KUM does one should perhaps withhold judgment. The lose application of the word "PONZI" could then be applied to just about any investment venture. Please note also, that the pools were allowed to have small investor entries without having to manage all these accounts. Three pools acting as one entity makes less administrative work for KUM. You can't criticize KUM for having a high minimum preventing small investors from participating and at the same time fault them for offering a few pooled funds to participate. Best wishes.
Reply to this comment

kolibri at Jan, 03 '06 06:14
KUM is changing all accounts to e-bullion. This requires participants to sent e-bullion ndata to KUM which will then continue to pay out in e-bullion. This may take a week or two to complete.
Reply to this comment

clifton at Jan, 03 '06 06:40
I call KUM Ponzi, because this is my conclusion. They are welcomed to prove their activity and i will change my mind. I can criticize KUM for what i want. 10% per week is impossible and your explanation about how you can do it is ridiculous. Best wishes, but cheerleaders are NOT welcomed at hywd.info
Reply to this comment

spinz at Jan, 03 '06 10:56
I really like this program, whether they are ponzi or not. I've been with this program long enough to be in profit and am so happy! I believe they make real investments but even then nothing last forever. Just invest what you could afford to lose.
Reply to this comment

mikejody at Jan, 05 '06 05:18
I think it is all a matter of ones mindset. For instance, my father consistently earns 50% per week on his funds. He can do that because he is able to meet the minimum required for receiving these high returns. He listens to me tell him that I make 40% per month and asks me, "Wow, that's not much, what does KUM do with all the profits? They sure aren't paying it to investors." Another company I am with pays 190% per month (principle plus 90%) and have been doing so for over a year. I don't believe a ponzi could sustain that kind of payouts, but a company who invests wisely could. A third company I am with pays 181% per month (principle plus 80%) and they pay it at the rate of 1% every 12 hours which, if compounded, equals 81%/month. These rates of return are not difficult to sustain for companies that invest wisely, it is just a matter of changing our mindset from the old 3% a year that banks give to accepting higher return rates. KUM is simply changing from e-gold payouts to e-bullion payouts. A wise decision for sure. I have been paid by KUM for the past 4 months, consistently, and have no reason to doubt that will continue.
Reply to this comment

megainvest at Jan, 05 '06 11:39
Hallo What are the other pgrams that pay so high? Please let me know. Thanks, megainvest
Reply to this comment

Chimoney1 at Jan, 05 '06 22:32
Every time I see comments about what is or is not possible in High Yield investing I have to laugh. If 2% a day is unrealistic, then how how does my uncle, a self taught options trader make any money? "If I average 2% a day I'm doing pretty well."-direct quote from my uncle when I asked him about investing in general. He traded stocks for years, growing (and "losing") millions over twenty years till he finally cashed out in the 90's. Now he specializes in options on the S&P 500... only. Self Taught for five years or so and 2% a day is "doing pretty well"!! So for all you doubters out there, 40% a month and more is not only "possible," it's REALITY.
Reply to this comment

Chimoney1 at Jan, 05 '06 22:34
I wish.... He won't even give recommended moves for the markets to me.
Reply to this comment

clifton at Jan, 06 '06 00:34
then prove it, please. Basically i am not interested in discussing forex and stocks with people who haven't seen a real chart in their live, but is ok, go ahead and prove yourself. If your uncle was doing this (making 2% per day) for only 3 years he would be able to turn $1 into $2,613,292,844 and for 4 years he would be turn than $1 into $3,599,571,233,249. Cool, prove it now and i will buy it. Since you can't prove this (because it is absolute bullshit), please don't post missleading comments.
Reply to this comment

sleuth at Jan, 06 '06 09:03
Hi, If your are a direct investor, would you give me an invitation? It is hard to find a company that is so proactive in providing info to their lenders. I am very pleased with the newsletters I have been receiving daily. I had an invitation, but lost the information since then (about 2 months ago). Thanks, Alan (Sleuth)
Reply to this comment

leaddog10921130 at Jan, 08 '06 10:06
mikejody, are you willing to share information on your high paying programs with me?
Reply to this comment

Coolpal54 at Jan, 10 '06 07:21
How does one get an invite to this program
Reply to this comment

cchance at Jan, 10 '06 13:48
go to tas's site and signup and then request info on the 10% a week program and they will send you the way to signup via there invitation.... As for making 10% a week its beyond capable and the fact that the administrator of this said that leverage is so inconcievable it proves that you do not know ANYTHING about investing really. I forex trade from time to time when i see the market being moderately predictable (not often but often enough) and the fact is LEVERAGE is given to those investors and groups that have substantial amounts of cash on hand. Normally 10k-50k dollars invested and trading... and depending on the type of trading and management method leverage up to 100-200 times the invested amount are very possible in forex trading. (Actually depending on how big you are ... banks use currency arbitrage in excess of 1000x leverage because they know they are good for it cause there both financial institutes) The problem with online investing is no one seems to understand how to really make money and those that do keep to themselves or run private programs... the fact is it's easier to setup a ponzi and run it for a week or 2 scam some cash and disappear than to actually employ traders and manage a few million dollars.
Reply to this comment

mikejody at Jan, 11 '06 20:53
Yes, I will share my 2 programs, but only through email at mikejody1@toast.net. Thank you. Mike
Reply to this comment

goldfinger01 at Jan, 16 '06 02:23
The question is not if a 10 % weekly performance is possible or not. For me it definitely is possible. The question is: how can Kum promise a fixed 10 % with variable trade results?
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at Jan, 16 '06 22:21
This commend was out of character. Please try again.
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michael j. harding at Jan, 30 '06 18:44
Has anyone been paid this week by KUM?
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sterling at Jan, 30 '06 21:59
No, noone has been paid by Kum and not the pool programs either. I have e-bullion so there's no excuse. I believe this ponzi has run it's course and is now finished! No newsetter today either or explanation. they're gone! Sterling
Reply to this comment

cliveone at Jan, 31 '06 07:09
havent been paid by KUM this week either ... they have obviously disappeared ... I suspected this was going to happen especially after that newsletter they sent us about a week ago regarding allegations made by George from IPTS ... this is just amazing ...
Reply to this comment

michael j. harding at Jan, 31 '06 15:36
They have stolen over $40,000. of my money. Does anyone have any answers as to what I should do? Please email me at michaeljharding@sbcglobal.net
Reply to this comment

dogface at Jan, 31 '06 16:03
Hey Michael, I'm out 15k. As they say in business. We are s.o.l. It's the nature of the beast. Believe me it hurts like hell. But we move on. I'm sure you didn't break the golden rule of using money you could'nt afford to lose. It does'nt hurt any less, but what can we do? I honestly don't know how these people sleep at night. In conclusion, it is our choice to get into these things and we must except the consequences. Vegas
Reply to this comment

dogface at Jan, 31 '06 16:08
Apparently they can't. They were the best scam yet.
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kndman at Jan, 31 '06 21:19
Being a skeptic. I watched the progression of KUM earn respect. I liked that they only allowed one year. I know they also GUARANTEED our money to be 10% and prinicipal after one year. It's in the agreement. I am praying and hoping for them to answer to reasons that they did this. I am such a skeptic and placed 15K of real hard earned money into this. I am beyond words right now. I am actually having a very very hard time emotionally, I had some of my other friends money in with mine. Just grief stricken! I hope they aren't gone forever. BUT the Lord will show me better things in the future. I pray for them to come forward and be men of integrity somehow.
Reply to this comment

clifton at Feb, 01 '06 00:17
I didn't expect that so many people has lost such enormous amount of money in KUM. I was hoping that our article would ring some bells in you, but maybe we weren't drastic enough in our conclusion. There is no way to go back, so i hope everyone who lost money has gained more - a good lesson to never again trust such an anonymous program with such crazy returns. I hope also we will NOT see anymore people who will come here and explain how easy is to generate 10% weekly. I fill free to delete such unprofessional opinions. For everyone's sake, let's remember not to invest more than we are willing to put at risk
Reply to this comment

Steve1979 at Feb, 01 '06 18:41
I really think that its a mistake investing anything more than 5k into any program like this. If i was investing 20k or so, I would only put it into a managed account. Its just not worth the risk to put so much into a scam program. At least with managed accounts the money can't be stolen. If they are for real, and you have 20K to invest, they should be able to give you a managed account. If they refuse to do that, I would look elsewhere. NSFG has managed accounts now. Put your money there. At least it can't be stolen.
Reply to this comment

luckysround at Feb, 02 '06 22:46
hi, my comment is in regards to AAN,an affiliate programme, some would know about the problems with intgold, and them being investigated, well my problem is somehow intgold had stopped my monthly subscription (sufficient funds in account),now the owner of this site(aan) is keeping over $5oo usd i had in a cycle system even though he knows i could not get response from intgold from either email or phone calls to intgold to fix this problem(small fortune in international phone calls as im in australia)think twice about this company, and the owner Clay.
Reply to this comment

discount at Feb, 03 '06 00:56
Ok folks, listen up closely. The situation is still up in the air. Here are the facts. The administrator, Chris, cannot be found or located. There are some very heavy investors in this looking for him as we speak. The funds are still sitting in the ebullion account. They have not been withdraw at this point. Conclusion is undecisive at this time. Since the funds are still in the account, he hasnt run off with the money. Now, with that said. There are people working on this. DO NOT make a stupid move and call the authorities. This would only make the situation worst. There are VIP's working on this situation, but we need to give them time. We still dont know where Chris is. He could be dead for all we know, and no, George didnt kill him. It has been found out, that Chris was lying about the situation with George trying to blackmail him. Folks, there is only scattered pieces of this puzzle, but Im sure, that time will bring some of the pieces together. Just sit tight, and give the people working on this time to try to figure it out. The only reason Im repeating this information, is because I know how u all feel. I am just lucky that I have a few ties that are somewhat close to the situation. I dont have answers. When and if I do, I will let you know. Just chill out, and lets see what developes here in the next week.
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hannah at Feb, 10 '06 08:38
It sounds like this might be the culprit, just giving himself a little more time to get away. Diverting our attention..................
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Gord at Aug, 11 '07 07:39
Hi, first time I saw this site. I was in KUM for over a 100K. I would be interested in programs you are in if you have some that are working. Thanks for you help, gg
Reply to this comment

clifton at Aug, 11 '07 08:43
Hi Gord, 100K is quite a lot. Were you able to recover some of the funds? You can check the programs I am in in the HYIP portfolio page here: http://hywd.info/Approved_HYIPs.html
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Gord at Aug, 12 '07 08:16
Yes I did get paid for a few month, I maybe recovered 30 to 35%. I am interested in programs of 1M and up where funds stay in my account.
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clifton at Aug, 12 '07 08:54
Then you should look only for managed account, Gord. Right at this moment I can't recommend you GalleonFX, but hopefully they will improve the results soon. With such amounts you have no problem joining any other reputable managed account service. Also, you can join http://sharkinvestor.com/newsletter - we will provide some other interesting picks there
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Guillermo Ferrero at May, 09 '08 08:23
I had never visited this site before. It popped up while doing a search for KUM. All the other sites that mention this failed program lead me to think we can all write this one off. Are there any news to the contrary?
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clifton at May, 09 '08 08:44
This article is very old, Guillermo, from Dec 2005. It predicted that KUM was a ponzi, but very few believed it.
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