Well, my rules of investment should explain why I never losed anything. Split former winnings as much you can and never reinvest before you reach 101% over all again. Allways use fresh HYIPs, because of first-in->first-out. Late investors pay the early once, because all HYIPs (and scammers) need some investors with good ROIs for advertising. It' so easy ...
Have a look on HYIP-Monitors for fresh HYIPS under 2.5%/day AND the ability to release your investment every time you want. (i.e. Aprilcoin did so, and I got a good ROI till they switched to scam.) Don't be greedy - be clever! Short rule: As higher the interests as shorter the runtime as higher the risc as lower your investment.