Online HYIP programs should be avoided like the plague. Like the plague they spread quickly, and will take anyone who is foolish enough to use them.
Due to money laundering and fraud prevention laws in most of Western Europe and the United States, most HYIP programs are located in countries such as China, by their anonymous owners.
Often these 'online investment opportunities' have just one person running them - an indication of the unprofessionalism of the online dubious HYIP industry.
Would you give your money to an anonymous person in a deregulated country hiding behind a mask which is the Internet? You wouldn't. However, the sad fact is that millions of dollars are being invested at these 'get rich quick' style HYIP websites.