Good afternoon, your assumptions are not true.
Do not put large amounts you cann't afford to lose any HYIP will be closed sooner or later, they should be treated as a game, and if you play and then allocate their investments on several contributions to different projects.
My some investments also burned in the project, but in total I was in profit.
More I can advise you to try to make investments only in the first month of the project, so the chance to win more, but you need to pay attention also on the level of implementation and HYIP% yield, usually less than% the longer the life of HYIP.
Good luck in the Investor-based games.