(Concept stolen from Aronis who stole it from vonflare.)
In this exciting game, you play the role of an investor in the stock market. You are provided an initial amount of virtual dollars to buy stocks, and your goal is to make as much money as possible by investing, buying, and selling wisely. For examples of past iterations of this game, you can see Investments IX, Investments VI, and Investments.
General Rules:
All players start with $750.00 to invest in an initial set of stocks.
To join, post /in and bold the stocks you wish to purchase. Please specify how many stocks you want to buy.
Stock prices are tracked internally to four decimal places of precision; however, prices posted in-thread will be rounded down to the nearest cent. Stocks are purchased and sold at the price posted in-thread.
You may do with your stocks and money as you wish provided it is done in-thread. You may enter into agreements, trade stocks with other players, loan money, etc. Any such actions should be bolded for my sake. I will enforce all contracts agreed upon by all parties.
Some stocks pay dividends. Dividends will be handed out at least once every six months in-game. The formula for dividends is roughly ((Shares Owned / Total Shares) * Stock Value * Dividends Rate).
I will update stock prices on Saturdays and Wednesdays. I will update portfolios once each time I update stock prices. I will update the price log at least once every six in-game months.
Special events are likely to happen from time to time.
Private communication is allowed, but all trades and agreements must be posted in-thread.
You may
not
sell and then re-buy stocks to take advantage of special deals. All orders between updates are combined into two orders (one buy and one sell) with all sell orders being processed before all buy orders. Otherwise, orders are processed in the order that they are posted.
If your action is invalid due to lack of funds or lack of available stocks, then you will do as much as you are able to do. (For example, if you attempt to buy five Red stocks but only have enough cash to buy three Red stocks, then you will only purchase three Red stocks with the money you have available.)
At any time, you may declare bankruptcy. This sets your net worth to $0 for three in-game months, and you lose any stocks you own. This also forgives any debt you may owe. Once the three months pass, you gain an additional $250 to invest in new stocks.
The game ends when one of the following things happen: a player reaches $1,000,000 in net worth, the game reaches the end of Year 5, Month 12, or the moderator declares the game over.
Special Rules - InvestmentsX.com Membership
Membership dues for InvestmentX.com are currently $100.00 per year.
Members may receive random news, discounts, or other benefits over non-members.
Credit reports from InvestmentsX.com (for both members and non-members) are $22.19 unless otherwise stated.
Special Rules - Personal Loans from the International Bank of Investment
Players may request a loan for any amount between $50 and $1000.
Included in the loan is a $50 bank fee that is added to the loan's principal. This money does not need to be available when requesting the loan.
The bank will provide a monthly compound interest rate between 2% and 10% based on your credit score and the length of the loan. Players must formally agree to the loan after the interest rate is posted for the loan application to be successful. The bank also reserves the right to refuse loans to players with poor credit scores.
Loans last for three months, six months, or twelve months.
Players may only have a single loan from this bank active at any time.
Players may pay off the loan in part or in whole at any point. Payments are processed before the next month's interest accrues.
Interest is charged the first month.
Failure to fully pay the loan (including interest) results in the player declaring bankruptcy.
Special Rules - Business Loans from the Bank of Tomorrow
Players may request a loan for any amount between $200 and $2500. The bank only provides loans for new businesses, so all the money borrowed must be invested towards that purpose.
These loans do not have a bank fee.
The bank will provide a monthly simple interest rate (accrued interest does not itself accrue interest) between 3% and 15% based on your credit score and the amount requested. Players must formally agree to the loan after the interest rate is posted for the loan application to be successful. The bank also reserves the right to refuse loans to players with poor credit scores.
You can lock in your loan's interest rate a month in advance if you're submitting your business application now but aren't planning (or are unable) to have the business immediately go live this month.
Loans last for six months, twelve months, or eighteen months.
Players may only have a single loan from this bank active at any time.
Players may pay off the loan in part or in whole at any point. Payments are processed before the next month's interest accrues.
Interest is charged the first month.
Failure to fully pay the loan (including interest) results in the player declaring bankruptcy.
Special Rules - Player-Owned Businesses
Spoiler: Application Questions (Should be PMed)
To create a business, you need cash-on-hand to invest. The starting price of your new business is determined by how much you invest into the business to begin with and how many shares you want to initially divide the stock into. The current business owners must maintain a 55% or greater stake in the business.
The initial stock price is determined by (Amount Invested / Total Shares) * 0.90 truncated to the nearest cent where
Amount Invested
is the the amount you invest to begin with per question 5. Note that your answer to question #4 does not affect this.
Total Shares
is the number of shares the stock is divided into per question 3.
(Some of your initial investment goes toward various licensing costs and other fees associated with starting a business.)
Example calculation: you invest $1000 into your business and want to divide the stock into 100 shares. Of those 100 shares, you want to keep 70% of them. The stock price is (1000 / 100) * 0.9 = $9.00 per share. You have to have $1000 cash-on-hand to start the business, and the bank reimburses you 0.3 * 9 * 100 = $270.00 after-the-fact when you sell 30% of the stock's shares to put them back on the market.
You also need to answer these questions:
What is the name of your business?
What is your business's color? You should provide a hex code. Your stock will appear in that color. This value must be unique.
How many shares do you want to divide your stock into?
What percentage of the business will you start out owning? The remaining shares from the above question will be available on the market for others to buy. For example, if you specify 70% here and 100 shares in question 3, then you will start out owning 70 shares with 30 shares available for other players to purchase. The bank will reimburse you for any shares that you do not start out owning. Remember that you need to keep at least a 55% stake in the company.
How much money are you investing in the creation of the business? All of this must be cash-on-hand. Your answer to question #4 does not affect how much money you must have in liquid cash.
What general growth strategy are you pursuing? This affects by how much your business rises or falls each month, but it does not affect how often it will rise or fall. You can choose between very-low, low, moderate, and high volatility. Recommended starting prices are listed below (recommended in the sense that it will be unlikely your business will go under in the first few months):
Very Low - $5.00
Low - $15.00
Moderate - $25.00
High - $50.00
What is the dividends percentage rate for the stock? You may specify a value in hundredths of a percent. Dividends are paid out-of-pocket on months 3 and 9 based on the stock's price at the end of the preceding month. Dividends are calculated based on this formula: ((Shares Owned / Total Shares) * Stock Value * Dividends Rate). Failure to have enough money to pay may get you in trouble with the Better Business Bureau.
Which stocks (if any) is your business competing against? How much of an impact do you wish for competition to have on your business? (You can use the same descriptors as in question 6.)
What other special characteristics would you like your stock to have? These are generally considered modifiers that are considered after the main risk roll (see next question). You will generally need to specify the impact you want these modifiers to have on your stock using the descriptors from question 6.
How much money are you planning to invest in the business per month? You must have this money as cash-on-hand each month. The amount you invest each month determines the risk value for the business which determines the probability that the stock's price falls. Investing nothing raises the risk score to 70%. Otherwise, the amount you must invest is dependent on the business's current per-share stock value. The minimum risk value is 4%. Note that the risk factor does not impact stock modifiers from question 9.
Very Small Businesses (value of $0.01 to $15.00): Minimum investment is $1.50 (36% base risk) with each additional $0.50 decreasing the risk by 4%.
Small Businesses (value of $15.01 to $40.00): Minimum investment is $3.00 (40% base risk) with each additional $1.00 decreasing the risk by a further 4%.
Medium Businesses (value of $40.01 to $120.00): Minimum investment is $4.50 (40% base risk) with each additional $1.50 decreasing the risk by a further 4%.
Large Businesses (value of $120.01 to $300.00): Minimum investment is $7.50 (44% base risk) with each additional $2.50 decreasing the risk by a further 4%.
Very Large Businesses (value of $300.01 to $1000.00): Minimum investment is $12.00 (44% base risk) with each additional $4.00 decreasing the risk by a further 4%.
Huge Businesses (value >$1000.00): Minimum investment is $18.00 (48% base risk) with each additional $6.00 decreasing the risk by a further 4%.
Spoiler: Business Rules and Regulations
Players may only own one business at a time.
Each stock has a risk value that determines how likely it falls. You must invest money each month to decrease your business's risk. This money must be available as liquid cash and is deducted after all other transactions. You can change your investment strategy by PM'ing me or by bolding in the thread.
You must maintain control of at least 55% of the available shares for your business.
You can release new shares onto the market either by spliting the current shares (which decreases the business's value) or by paying for the value of the new shares. If you pay, then you will start out owning the shares.
You will gain income from your business every three months. The maximum profit each quarter is equal to (Current Stock Value) * (Your Shares Owned / Total Shares Available) * (Total Sold Shares / Total Shares Available). The actual profit is a random number from $0.10 to the maximum value. This is calculated at the end of the relevant months.
During tax month, businesses are subjected to an additional 5% tax based on the stock's net change in value between one year prior (or when the stock was created) and the previous month's value for the stock. If the stock decreased in value, no tax must be paid.
If the stock price drops to zero, the business declares bankruptcy, and the stock price will not change any further. Shares can still be traded between players, but they may not be sold back to the market. The current owner may revive the business by investing more money into the business (similar to the initial startup cost). The new stock price is then determined by this formula: (Amount Invested / Total Shares) * 0.85.
Do prices go up and down based on supply and demand or nah? For example does buying a stock increase its price?
Not for any of the starting stocks, no. Future stocks may or may not. At a high level, the algorithm is that I first determine if the stock goes up or down, then by how much, and then I apply modifiers (like from competing stocks).
"You are the Joker of mafia players" - Oversoul
"last time I was scum with Firebringer
his first post in the scum PT was "yes I rolled scum!"
I decided to post "haha just don't post that in the main thread", but to get up to date on the main thread first.
His first post in the main thread was "yes I rolled scum!" -popsofctown
"I hope one day I can openly play as wolfy as Pooky and get zero pressure for it grumble grumble."
-MariaR
"I can't even look at the game anymore.
That evil teddy bear has got everyone twirling by his thumb.
It's like witnessing an slow but unavoidable train crash you can't stop."
In post 20, DragonEater70 wrote:
I just read Investments IX. Will we have businesses? Do you use the same / a similar algorithm to calculate changes in stock prices?
Also,
buy 2 red
Player-owned businesses will probably come a bit later. The overall algorithm is the same, but the specifics may be different.
[0] => DragonEater70 joined the game.
[1] => StrangerCoug joined the game.
[2] => Charles510 joined the game.
[3] => biancospino joined the game.
[4] => sloththeholy joined the game.
[5] => Firebringer joined the game.
[6] => Silverclaw joined the game.
[7] => Gammagooey joined the game.
[8] => C-Worl joined the game.
[9] => N joined the game.
[10] => Alianna joined the game.
[11] => PookyTheMagicalBear joined the game.
[12] => DragonEater70 bought 3 Green stocks.
[13] => DragonEater70 bought 1 Yellow stocks.
[14] => StrangerCoug bought 4 Red stocks.
[15] => StrangerCoug bought 5 Purple stocks.
[16] => Charles510 bought 12 Blue stocks.
[17] => biancospino bought 5 Green stocks.
[18] => biancospino bought 4 Red stocks.
[19] => biancospino bought 2 Yellow stocks.
[20] => biancospino bought 2 Orange stocks.
[21] => sloththeholy bought 4 Orange stocks.
[22] => sloththeholy bought 25 Purple stocks.
[23] => sloththeholy bought 1 Yellow stocks.
[24] => Firebringer bought 10 Orange stocks.
[25] => Firebringer bought 1 Purple stocks.
[26] => Silverclaw bought 4 Blue stocks.
[27] => Silverclaw bought 10 Purple stocks.
[28] => Silverclaw bought 3 Red stocks.
[29] => Silverclaw bought 3 Green stocks.
[30] => Gammagooey bought 1 Blue stocks.
[31] => Gammagooey bought 1 Green stocks.
[32] => Gammagooey bought 1 Orange stocks.
[33] => Gammagooey bought 1 Purple stocks.
[34] => Gammagooey bought 12 Red stocks.
[35] => C-Worl bought 1 Blue stocks.
[36] => C-Worl bought 1 Orange stocks.
[37] => C-Worl bought 2 Yellow stocks.
[38] => C-Worl bought 5 Red stocks.
[39] => C-Worl bought 4 Green stocks.
[40] => N bought 16 Red stocks.
[41] => DragonEater70 bought 2 Red stocks.
[42] => Alianna bought 2 Blue stocks.
[43] => Alianna bought 2 Green stocks.
[44] => Alianna bought 2 Orange stocks.
[45] => Alianna bought 2 Red stocks.
[46] => PookyTheMagicalBear bought 6 Blue stocks.
[47] => PookyTheMagicalBear bought 5 Orange stocks.
Updated Stocks and Prices
Blue
: $56.82 (
-$5.67
) (34/60 left)
Green
: $55.72 (+$0.72) (182/200 left)
Orange
: $80.88 (+$8.38) (15/40 left)
Purple
: $11.58 (
-$3.41
) (8/50 left)
Red
: $49.37 (+$4.37) (102/150 left)
Yellow
: $70.59 (+$10.59) (94/100 left)
News
Orange
has a spectacular month as its CEO reveals the company's 5-year roadmap.
Purple
's board begins a search for a new CEO as the board believes that
Purple
lied about its stability.
Blue
reassures investors that this month's loss is expected and that the company will rebound next month.
InvestmentsX.com announces an online giveaway for new members. In exchange for a $100 membership fee, you get a chance to spin this wheel for a free gift.*
* - Limit one membership per player and only while supplies last. The wheel contents are as follows:
Nothing
Nothing
Nothing
One free stock purchase coupon (valid for six months)
Nothing
Nothing
Five shares of Purple for $10 coupon (valid for six months)