Hey everyone, after hearing about Investment Banks and finding very little information about them online, I decided to check them out myself. I’ve started a spreadsheet to show just how risky, and profitable Investment Banks in BDO can be:


As you can see, I pulled away from NWP (Northern Wheat Plantation) and Florin after just a few investments. I found the CP (contribution point) cost for both Lodging Workers and connecting the nodes to be inefficient. So onto Calpheon, or Gringotts, as I’ve started to call it, read on:

Getting started: At first, you will not see the investment banks inside Calpheon. To unlock the Investment Banks inside Calpheon (or any major city, I just focus on Calpheon because it has larger investment options) you must channel your inner interior designer. Call you friends for help if you don’t quite have the touch, or just buy chandeliers, lots and lots of chandeliers. “For every house that you can turn into a living house there is a ranking. The more cool furniture (decor points) you have, the higher you are in that rank. If you reach top 1 spot in this particular house – investment banks will be open.” -@Xsankor For this, I recommend you find a house in town with a low Top Rank. Calculate how many Interior Points you can achieve (or buy a residence near the bank and cram all your stuff inside). Can you reach the top of any house with your current points? Awesome, go get that top spot!

Now, when you open your world map and click into Calpheon, you’ll see 4 Investment Banks that are now unlocked. Now let’s start investing. The lowest tier Investment Bank is Lasquean Ljurik Investment Bank. To start investing, you need to have 1,000,000 worth of Gold Ingot 1G’s in the Calpheon Storage (Gold Ingot 1G x 10 – NOT Gold Ingot 10G). You will also need a worker in Calpheon. I’m currently under the impression that Work Speed is the only factor that affects investment banking. (Luck may increase the chance of retaining bricks, or the actual return, but this is only speculation) For this reason, I choose to use Goblins, as they have the highest work speed. This will just reduce the amount of time it takes to complete an investment (or 1 work cycle).

Awesome, you have Gold Ingot’s in your storage and you have a Worker ready to go. Hit the node and start working! Now the best part, you just wait. After ~14 Hours, assuming a 65 Work Speed, you’ll have your first return! Or loss…

Yep, you can lose money on these, after all, it is an investment, and they are never guaranteed. It is very possible for your workers to return less Gold Ingots than what you send them with and not return enough money to cover the lost bricks (gold ingots). Any way to prevent this? For now, I have no idea, but my only theories right now, are leveling the bank nodes themselves with energy.

What I do know is, I’m currently making a profit from investments, and it would take a lot of brick drops to put me in the negative. So I plan on trying some things out with the banks and sharing with you my current plans and showing you future results. Let’s start with our banking options in Calpheon.

Calpheon Bank Options:

Lasquean Ljurik Investment Bank – 1,000,000

Has high interest with short-term deposit, but may lead to a loss of capital.

Emphasizes that Brick Drops are possible within the investment. It seems that through multiple investments of the same node, you will return profit. I will continue to do research to see just how often Bricks Drop vs. Profit Returns.

Luolo Grebe Investment Bank – 4,000,000

Has high interest with short-term deposit, but may lead to a loss of capital.

Lehard Mertenan Investment Bank – 20,000,000

The capital is guaranteed to prevent loss, but must be deposited for a long time with low interest.

These interests, like Florin and NWP will not Brick Drop, but will have returns from 1%-4%, maybe a bit higher. I’ll be investing energy into the 20m Investment Bank

Enrique Encarotia Investment Bank – 100,000,000

The capital is guaranteed to prevent loss, but must be deposited for a long time with low interest.

I’m currently investing my energy in the 20,000,000 Bank Node, and will start investing once I’ve leveled a Goblin to Professional. (or doing the amity game to get one from the contract worker – still have to look into this, but I hear it’s possible, comments appreciated)

Be wary of losing the Top Rank in your residence. I do not know if you will lose access to the Investment Nodes if you lose the Top Rank, so be careful Investing in the 20m and 100m nodes until this has been verified. (I will test this tomorrow evening after my current investments finish and update here)

If the top spot is taken away while you have on-going investments, the workers will finish the job, and provide a return. However, you lose access to the banks after this point, and can no longer do future investments, until reclaiming the top spot.

Thanks for reading and if you have any questions or comments please ask, or inform the community here! Good luck, have fun and may your Calpheon look like Gringotts!

tl;dr See spreadsheet, have questions? Read guide, then ask.


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