The Bitconnect platform with all its features (iOS (!) & Android App and the Q-Wallet where you earn interest by staking after 15 days) is very professionally done!
The platform is fairly new and started in December 2016. With all the afford they put into it, my bet is (and this is my opinion, I don't know for sure) they will last I while.
The ROI for lending and it does not matter how much you really lend out, is easily 30% a month (based on my experience and interest paid only). If you hold a little to your Bitconnect you even participate of the price increase which increases the ROI much higher.
Having said that and just sticking by the ROI of 30% my math before I have my money back is as follows:
As an example we do a 1010 USD loan:
Your receive around 1% (more or less) every single day + bonus of 0.1%.
This means in one month you have roughly 300 USD back. In other word in a little more than 3 months (if not earlier depending on bonus level and price increase of Bitconnect) you have earned your investment!
So it does not really matter, if your initial investement is vested for 239 days or longer.
Here is the most important part: Be disciplined and pull your money out of Bitconnect at least once a week (this is how I am trying to reduce the risk)
After probably 3 months you are risk-free because your pulled out your initial investment. Now is the time to think about reinvesting and playing the game.
The longer Bitconnect survives the more money you can make.
Warning: NOBODY knows if Bitconnect will survive long enough before you have your initial investment back.
But by pulling out the interest continously you reduce your risk within the first 3 month.