I'm new to this but yet, I see it all as a risk. (I am invested in a small amount in both BTC clock and UTI.) Bitcoin and crypto's can be stripped from us and rendered useless just as easily as any of these companies can fail. Anytime I have ever watched any of the HYIP affiliates on youtube they almost always explain how risky this can be and never put in more than your comfort allows. However, I do agree that some seem more legitimate than others but all should be considered a gamble regardless of how reputable they may be.