My personal recommendations (just my opinion and not financial advice) are….
that unless you are going to refer others take the Silver membership for just $10 a month and then add at least $150 as a stake because with just $100 your growth will be small due to the monthly $10 fee. Even if you plan to invest $10,000 the Silver membership will suffice if you do not refer anyone.
However, if you refer even one person then the Gold membership has advantages, but should be supported with a stake of $400 or more to allow for growth. Referring 4 people is all you need to do to maximise the benefits from the pay plan and all income streams.
At all times be aware of the Golden Rules and only do what you are comfortable with. A bank deposit will allow you access to your money more readily than FUNDSZ, but you will lose value in the bank and in my opinion FUNDSZ is a much better option even though your deposit is locked for 90 days. Your income is though available to draw or reinvest each week.