For SPinvest, club members and investors are the same. I make the same ROI as you even with the hundreds of hours of work i put in. Every token holder makes the same ROI, i make the same ROI on my tokens as you do. SPI token is not for trading. Investing in SPI tokens and trading SPI tokens are different things. This is the point of the post.

When people trade the SPI token, all club members and investors lose out.

As far as your ROI, I'm not sure how long you've been holding SPI tokens but the price has increased 4 times from launch 6 months ago and we've had 1 token split as well. SPinvest has already produced a 25% ROI for investors depending on when they bought in which is higher than any other project on the platform to my knowledge.

Sorry to hear that you do not meet the requirements for a club member. I ask people to provide a steemit user as the beneficiary because if you die, i need to be able to talk with someone that understands how Steemit, power-downs and converting SE tokens into STEEM works. I don't have time to be educating someone's family member on how to cash out SPI tokens. My logic of thinking is someone that understands how steemit works will have a steemit account. My wife has access to my account but that does not mean she knows what to do when she logs in.

Just out of interest, how does the administrator of your estate understand the workings of steemit without having an account?

Thank you for your feedback, if you have any other questions, fire away my friend