Q:

Barry, I had this question from a prospective partner... 

If they deposited $10,000 and they were reinvesting daily profits, and after 3 months had an unexpected need to get their entire principal and profit out, and assuming $4,500 was the profit. Would this be correct...

$10,000 - $3500 (35% early withdrawal penalty) + $4500 = $11,000? 

A:

No,  everything (amount of funds) in the member's EX AI Bot Balance that is less than 12- months in trading activity is subject to the -35% penalty.

So, in the example above... at the 3-month mark, this member can wait until the 1st, 10th, or 20th (when the Withdrawal button turns from grey to green - see screenshot below), and then withdraw whatever amount they desire that is available in their Deposit column (it doesn't have to be the entire amount).

Let's use a real example with real percentages that are auto-compounded DAILY.

With that initial principle, $10k, the Aurum member would be on the VIP Package:

Their net monthly ROI will average 14.88%. That equates to 0.496% per day  (14.88% monthly ÷ 30 days ≈  0.496%).

When you put those numbers in this nifty daily compound calculator, you end up with this in 3 months:

Of course, no speculative investor would desire to withdraw anything at the 3-month mark, when that $10k would turn into $20k (double) at the 5-month mark.

However, if for whatever reason they needed to (i.e., family emergency), the example results (with the 35% fee shown broken out), would look like these:

 📈 Month 1: 

Initial Deposit ($10,000) + Accrued Profit ($1,624.08) = Balance ($11,624.08)

• Withdrawal 100%:  $11,624.08 - 35% ($4,068.43) =  $7,555.65 
• Withdrawal  50%:   $5,812.04 - 35% ($2,034.21)   =  $3,777.83 

📈 Month 2: 

Initial Deposit ($10,000) + Accrued Profit ($3,511.92) = Balance ($13,511.92)

• Withdrawal 100%:  $13,511.92 - 35% ($4,729.17) = $8,782.75  
• Withdrawal  50%:   $6,755.96   - 35% ($2,364.5 ) = $4,391.37 

📈 Month 3: 

Initial Deposit ($10,000) + Accrued Profit ($5,706.37) = Balance ($15,706.37)

• Withdrawal 100%:  $15,706.37 - 35% ($5,497.23) = $10,209.14  
• Withdrawal  50%:   $7,853.19   - 35% ($2,748.62) =  $5,104.57 

🔑 KEY INFO / TAKAWAYS:

•  Each new amount you add—whether through Top Up or Reinvest—starts its own 365-day period before early-withdrawal fees no longer apply. Your original deposit keeps its own timer, and every added amount receives a separate one. 
  
  
• You can use the reinvest function (see slider in top screenshot image) for as long as your deposit(s) remain active. There is no fixed minimum or maximum period; you decide how long to keep reinvesting.  In other words, any member can turn on or off the green Reinvest slider, whenever they like and however many times they wish.
  
  If OFF, DAILY profits hit the Main Balance Wallet each day.
  If ON, DAILY profits hit the accumulated running bot balance (see examples above ⬆️)
  
  
• To reiterate:  The 35% penalty fee applies to any initial principal deposits, one-time top ups, and all accumulated daily profits that are less than a year old. In other words, everything that is less than 12 months in trading is subject to the 35% penalty. 
  
  
• With all that said... if a speculative investor is going into the EX AI bot playing to de-risk, instead of just adding risk-capital they can afford to have go to to work full-time (for at least a year)... then... they should approach it like this:
  
  Make two (2) different deposits.  For example, in this small account, you see one has the reinvest slider OFF; one has it  ON:

The top EX AI  Bot's account / ID shows the slider OFF = daily profits go to main balance
The bottom  EX AI  Bot's account / ID shows the slider ON = daily profits go to the bot.

•  🎗️ A reminder: The EX AI Bot is a high-risk / high-reward speculative-investment vehicle that isn't appropriate for all people, especially those who are risk averse.  This is for those who have idle discretionary money to put to work—risk-capital that, quite frankly, can be better served by being auto-traded via an alternative trading vehicle, like this.

🎓 EXTRA CREDIT: