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You're not meant to know the effects of the investments, or to have a firm grasp of your financial future. I understand the desire for it, but that's what wikis and guides are for.
 
— Sierra Lee[1]


Ledger-1

A brand new Ledger.

This page presents a compilation of all the personal investments offered in the game[2]. They can only be made in ProN ("Promissory Notes"), with a single exception so far. Of course, you need to have the necessary amount of money at hand to make an investment, though in a few cases Megail will automatically reserve money for plot-mandatory investments. The prices of some investments are variable and may be influenced by a number of factors, including current party members, investments already made and actions of the party before the investment.

In addition to monetary profits and other effects, most investments also affect your relationship with your companions. Speaking with them will give you some hints.

Investment options become available after you arrive in Ari-Yhilina and foil the coup against the Widow Queen. The initial amount of ProN available to make investments depends of the amount of ProN you've given to Megail in Stineford. The minimum value is 50,000 ProN and the maximum is 120,000 ProN[3]. Megail also offers you a ledger to keep track of your investments.

Sierra Lee has stated that you can make similar investments (for instance contracting two mercenary companies) to get better results, but it will be with diminishing returns.

In Yhilin

As in Ari-Yhilina there are various stages where you can do various investments, this section is split in various stages.

Chapter 1 Edit

Most of the investments in this section have consequences not only on the finances but also in the relation between Simon and the harem members.

Location
Name
Price
Help
Early Advantages[4] 2nd Chapter Profits[5] 3rd Chapter Profits[6] Relationship Points
Merchant Quarter
Bank
50,000
Trin[7](25,000)
5000 ProN at the start of Chapter 2;
Another 5000 ProN[8] during Megail's route.
200,000 ProN plus a 50,000 discount in the Bank core lenders investment. None Trin, Megail
Merchant Quarter
Premium Steel[9]
20,000
No
10% discount on equipment plus the possibility of customized equipment. Counts as Manufacturer.[10] 100,000 ProN; Hilstara's custom helm available during Reunion. 100,000 ProN Aka, Hilstara
Miners' Junction
Mine Processing
50,000
Megail (25,000)
10,000 ProN during Megail's route. Counts as Processor.[11] 200,000 ProN 200,000 ProN Megail
The Court[12]
Bridge Repair[13]
10,000
No
Reduces the cost of future investments. Janine, Carina
The Court[12]
Yhilini Public Works
5000
No
Increases the happiness of the people. Janine
The Court[12]
Anti-corruption campaign
10,000
No
May[14] affect the amount of ProN received from Bank investment during Megail's route. Janine, Sarai
Cathedral
Shrine renovation
10,000
No
Carina, Sarai
Outskirts
Iron Cudgel[15]
10,000
No
Saves Carina's soldiers. -30,000 ProN upkeep No effects, as the cost is assumed by the Crown. Hilstara, Yarra
Outskirts
Dusty Horde[15]
15,000
No
Saves Carina's soldiers. -45,000 ProN upkeep Hilstara, Yarra
Outskirts
AriGarda[15]
25,000
No
Saves Carina's soldiers. -75,000 ProN upkeep Hilstara, Yarra
Outskirts
Flower speculation[16]
10,000
No
2500 Sx and 2500 ProN. Nothing, shows up on Ledger with 0 return. None
Miners' Junction
Cache excavation
10,000
No
A few items, equipment for succubi and an absorbable piece of corruption for Simon[17]. 25,000 ProN Yarra, Qum
The Court
Gift to Megail[18]
25,000
No
Contracts a supplier.[19] 25,000 ProN[20] 25,000 ProN[21] Megail
Talk to Megail[22]
Yhilini Arms Dealer
100,000
No
200,000 or 150,000 ProN[23] in Megail's route; not all of it is usable[24] 700,000 ProN 115,000 ProN None

Megail's route Edit

These investements are also available after Simon's return.

Location
Name
Price Help 2nd Chapter Profits[5] 3rd Chapter Profits[6]
Merchant Quarter[25]
Ardoheim Magic Trade
25,000 Bridge Repair (15,000) 125,000 ProN[26] or 50,000 ProN 225,000 ProN[27], 125,000 ProN[28], 75,000[29] or 50,000[30]

Helps during the Third Arclent War.

Outskirts
Yhilini Supplier
10,000 Bridge Repair (5000) 10,000 ProN 10,000 ProN[21]

After the Reunion Edit

During the business meeting, Megail gives you a resume of your investments. In addition to those listed here, you get 300,000 ProN (or just 200,000 ProN if you took money from Megail in chapter 1), plus any reward from the mine quest in Aka's route.

Profits-1

Just posted as a reference.

Location
Name
Price Help Early Advantages 3rd Chapter Profits[6] Relationship Points
The Court
Bridge Repair
5000 No Reduces the cost of future investments. Janine, Carina
The Court
Yhilini Public Works
5000 No Increases the happiness of the people. Janine
The Court
Yhilini Public Works II[31]
25,000 No Increases the happiness of the people. Janine
Merchant Quarter
Bank (core lenders)
500,000 Reduced to 450,000 if you have already invested in it.[32] Reduce Chaos and increase Acceptance after the Battle of Yhilin. Variable in function of Yhilin CD:
300,000 ProN if Yhilin CD < 5
250,000 ProN if Yhilin CD ≤ 9
200,000 ProN if Yhilin CD ≤ 14
150,000 ProN if Yhilin CD ≥ 15 Megail
Merchant Quarter
Premium Steel Owner
100,000 Reduced to 75,000 if you are already a partner.
Will be still available on Yhilin further visits.
10% discount on equipment plus the possibility of customized equipment. 100,000 ProN Aka, Hilstara
Merchant Quarter[25]
Ardoheim Magic Trade
25,000 Bridge Repair (15,000) 225,000 ProN[27], 125,000 ProN[28], 75,000[29] or 50,000[30]. Helps during the Third Arclent War. None
Miners' Junction
Mine Processing
50,000 No 200,000 ProN Megail
Outskirts
Yhilini Supplier
20,000 Bridge Repair (15,000) 10,000 ProN[21] None

After the Battle of Yhilin Edit

If you haven't done it before, you can still invest in the Premium Steel (only to be an owner). But you can now do some personal investments by using discretionary funding. With one exception, the rest can only be done in the Second House of Petitions.

After the Third Arclent War Edit

Back in the throne room it's investment time! Megail gives you a run-down of your profits (which aren't as high as they could have been due to the war). Also, you have to add the leftovers[33] from both the Discretionary funding and your own funds from the Second House of Petitions. There are the same amounts in both cases:

Percentage ProN
≥ 50 15000
25–49 10000
10–24 5000
1–9 2500
< 1 0

Megail and her agents have pulled together[34] a series of potential investments. There's an investment opportunity for each of the three new nations plus representatives from the various businesses you encountered in Yhilin, Eustrin, the Elven Kingdoms and the Incubus King's Domain. Min has her own investment opportunity, and if you achieved the Succubus 1 bonus from having a low enough IKD Morale score then the succubus merchant offers the opportunity to expand Yhilini trade into the new territories.

Name Price Help and/or Condition Early Advantages[35] 4th Chapter Profits Relationship Points
New Givini Trade 500,000 Boost hidden stats[36] Elleani
Tak'Kan Trade 500,000 Boost hidden stats[37] Balia
Chalice States Trade 500,000 Help: Infrastructure funded (400,000) Boost hidden stats[38] Iris, Riala
Mercenary Offices 150,000 Condition: meet the mercenary inspecting the burned Reval's compound in the outskirts.
Help: Infrastructure funded (100,000)
Boost hidden stats[39] Janine
Gasm Falls Shop 225,000 Condition: talk with the owner in Gasm Falls. Boost hidden stats[40] Iris
Denmiel Mushroom Farm 75,000 Condition: talk with the owner in Denmiel Boost hidden stats[41] Orilise
Theltiar Rentals 350,000 Condition: talk with the Rentals' owner in Theltiar. Boost hidden stats[42] Lynine
Eustrin Guild 500,000 Condition: convince the Guild of Blacksmiths to be open to international trade. Neranda
Yhilini Succubi Trade 400,000 Help: Infrastructure funded (300,000) Boost hidden stats[43] Iris
Theltiar Flowhouse 200,000 Condition: sided with Lynine, enter the flowhouse Boost hidden stats[44] Lynine
Denmiel Archives 100,000 Condition: sided with Orilise, enter the libraries Boost hidden stats[45] Orilise
Min's Trade Route 300,000 Condition: Min joined the group Boost hidden stats[46] Megail

In Stineford

Location
Name
Price Early Advantages 2nd Chapter Profits[5] 3rd Chapter Profits[6] Relationship Points
Noble District
Bank Core lenders
400,000[47] None
Market District
Magic Shop
10,000 20% reduction on price. 50,000 ProN[48] or 25,000 ProN 50,000 ProN[48] or 25,000 ProN Megail

In Aram

Some of the prices in this section are variable and depend on the investment's choices that you made in Ari-Yhilina. So far (near the end of chapter 3), there is no evidence that you can get these later, so bear that in mind.

Location
Name
Price 2nd Chapter Profits[5] 3rd Chapter Profits[6]
Aram Desert[49]
Aramite Supplier
20,000 15,000 ProN 15,000 ProN[21]
Bounty Hunter Office
Desert Bounty Office[50]
20,000 Sx 5000 ProN 5000 ProN
Eustrin Tunnels
Eustrin Supplier
40,000 20,000 ProN 20,000 ProN[21]
Eustrin Tunnels
Eustrin Processor
50,000 100,000 ProN 100,000 ProN
Eustrin Entrance[51]
Eustrin Manufacturer
25,000 100,000 ProN 100,000 ProN
Aram Desert[52]
Eustrin Embassy
100,000 Better options at Ardford summit.

In Ardford

Location
Name
Price Early Advantages[53] 3rd Chapter Profits[6] Relationship Points
Merchant's Guild
Crystal Refiner
300,000 (250,000 if Robin has a Potions License) Reduces the costs of Robin's Arcane crystal[54]. 225,000 ProN None
Merchant's Guild
Ardford Supplier
50,000 Helps during the Third Arclent War. 25,000 ProN[21] None
Business District
Ardford Restaurant
25,000 10,000 ProN None
Business District
Sanitation Mages Guild
100,000 5,000 ProN None
Business District
Mercenary Flotilla
250,000 Helps during the Third Arclent War. 85,000 ProN None
Business District
Ardan Bank
Varies with what you've done for Ardoheim:[55] from 1,000,000 (initial request) to 300,000. Better rates exchanging ProN for Sx. From 450,000 ProN to 200,000 ProN[56] None
Religious District
Ivalan Bank
450,000 Increases Religion score. From 350,000 ProN to 175,000 ProN[57] Carina
Embassies
Deeds of Vinario
5,000,000 to 100,000[58][59] Hilstara (only in negative), Megail, Trin, Yarra, Nalili

Other uses for ProN Edit

You can spend your ProN in other avenues that are not investments, strictly speaking: they don't appear as such in the Ledger[60].

City Location
Name
Cost Consequences Relationship Points
Ari-Yhilina Miners' Junction
Cache excavation
10,000 You purchase all the gear instead of investing, and Simon absorbs the chest stats offscreen.[17] Yarra, Qum
Ari-Yhilina Outskirts
Iron Cudgel[61]
5000 Increases Army Size and Quality. None
Ari-Yhilina Outskirts
Dusty Horde[61]
15,000 10,000[62] Increases Army Size. None
Ari-Yhilina Outskirts
AriGarda[61]
10,000 No change in army scores, but can be made to work for House Rose. Otherwise they help House Adamant. None
Ardford Military Offices
Silent Knights Order
10,000 or 50,000 or 100,000 depending of your choice. No matter the amount of donation, gives access to empty lot area plus whatever you get there. Differing amounts strengthen Order by up to 100 points. May be more useful later.

Helps during the Third Arclent War.

None
Ardford Merchant's Guild
Merchant's Guild Membership
100,000[63] Gives the title and privileges of an official merchant. Extra clues for the Unpeople Investigations quest[64] and some misc details (like getting access to the Guild's wine cellar). Massive hidden score gains. Megail

References Edit

  1. ULMF forum post
  2. There other investments available during chapter 3, but they are funded by the Yhilini budget, and they are described here.
  3. Provided that you had done all the quests and asks Megail for more money.
  4. Available at the start of chapter 2 or during the party split, before the group's reunion. Most of the monetary profits have to be collected by visiting the place you made the investment.
  5. 5.0 5.1 5.2 5.3 They are brought by Megail at the Reunion.
  6. 6.0 6.1 6.2 6.3 6.4 6.5 They are brought by Megail at the Aftermath of the Third Arclent War.
  7. By using a Duplicate.
  8. 10,000 ProN if Yhilin score is 6+.
  9. To make this investment, you need to have Megail in your harem (after her rescue), as the owner only wants to talk with merchants.
  10. Therefore Megail does not reserve 25,000 ProN for Eustrin Manufacturer when going to Aram.
  11. Therefore Megail does not reserve 50,000 ProN for Eustrin Processor when going to Aram.
  12. 12.0 12.1 12.2 You will find it inside the House of petitions (left door).
  13. Not available before you had done Merchant trouble quest.
  14. See the Secret Stats page, number to beat is 6.
  15. 15.0 15.1 15.2 See the Army page to learn about their strengths and weakness.
  16. It has been speculated that this investment is a reference to the mania tulip bubble.
  17. 17.0 17.1 It adds +10 AGI and +10 LUK to Simon's stats, plus 5000 EXP.
  18. One-time deal, only available in the talk with Megail after her rescue in the palace.
  19. Therefore Megail does not reserve 40,000 ProN for Eustrin Supplier when going to Aram.
  20. This investement shows up as "Special Supplier" in the ledger after the reunion.
  21. 21.0 21.1 21.2 21.3 21.4 21.5 Also provides Orc items in the Bloody Spire.
  22. It's the mandatory investment for this part of the game. You can see it with the Ledger and you get it just before she gives you back ProN to invest.
  23. If "Acquire Money" was used.
  24. Megail reserves a part of the money for plot mandatory investments, so the amount available to the player varies.
  25. 25.0 25.1 The contact is inside the Archon Inn, where Megail was hosted during your first visit to Ari-Yhilina.
  26. Only if you also invested in Stineford Magic Shop.
  27. 27.0 27.1 If you invested in Stineford Magic shop and Ardoheim Collateral Damage is lower than 30.
  28. 28.0 28.1 If you invested in Stineford Magic shop and Ardoheim Collateral Damage is greater than or equal to 30.
  29. 29.0 29.1 If you didn't invest in Stineford Magic shop and Ardoheim Collateral Damage is lower than 30.
  30. 30.0 30.1 If you didn't invest in Stineford Magic shop and Ardoheim Collateral Damage is greater than or equal to 30.
  31. Requires having completed Yhilini Public Works prior to this part.
  32. The discount is the nominal amount of the initial investment, even if you've used Trin's help.
  33. You're encouraged to spend as much as you can on both budgets, so they are meant to be a consolation prize (Link).
  34. Sierra has explained that, if you find strange that all the people that represents potential investments are in the same room at the same time, you can: "consider that whole section an abstraction for a series of meetings." (Link).
  35. If you want to learn exactly how each investment increases the hidden stats check out the Secret Stats.
  36. +4 Economy, +5 to New Givini score.
  37. +4 Economy, +5 to Tak'Kan score.
  38. +4 Economy, +5 to Chalice States score.
  39. +2 Social, +2 to Yhilin score.
  40. +2 Economy, +2 to Chalice States score.
  41. +2 Economy, +2 to Gheldaron score.
  42. +1 Economy, +1 Social, +2 to Darghelon score.
  43. +2 Economy, +2 to Chalice States score.
  44. +1 Economy, +3 to Darghelon score.
  45. +1 Social,+1 Religion , +5 to Gheldaron score.
  46. +3 Economy,+1 to Ardoheim score, +1 to Gheldaron score, +1 to Darghelon score, +1 to New Givini score, +1 to Chalice States score.
  47. You aren't in a position to invest in it yet.
  48. 48.0 48.1 Only if you also invested in Ardoheim Magic Trade.
  49. Right to the Bounty Hunter Office.
  50. See the Secrets and Collectibles page for more details.
  51. Blond dwarf on the left, near a crate.
  52. In a shrine with golden statues.
  53. If you want to learn exactly how each investment increases the hidden stats check out the Secret Stats.
  54. From 6000 Sx to 1000 Sx.
  55. In other words, depends on the Ardoheim secret score.
  56. Ardoheim CD <20 = 450,000 ProN; Ardoheim CD |20-24| = 400,000 ProN; Ardoheim CD |25-29| = 350,000 ProN; Ardoheim CD |30-39| = 300,000 ProN; Ardoheim CD |40-49| = 250,000 ProN; Ardoheim CD >49 = 200,000 ProN
  57. Ardoheim CD <20 = 350,000 ProN; Ardoheim CD |20-24| = 325,000 ProN; Ardoheim CD |25-29| = 275,000 ProN; Ardoheim CD |30-39| = 225,000 ProN; Ardoheim CD |40-49| = 200,000 ProN; Ardoheim CD >49 = 175,000 ProN
  58. See this section to learn how to get the lowest price possible.
  59. This investment is also offered at the Aftermath of the Third Arclent War for 1,000,000 ProN.
  60. For instance, if you chose not to invest in the Cache excavation before leaving Ari-Yhilina at the start of chapter 2, you have the option to buy the remnants of the expedition by same quantity: 10,000 ProN.
  61. 61.0 61.1 61.2 Only if they are hired after Simon returns.
  62. They need the work apparently.
  63. You need 1,000,000 ProN on hand to be offered the choice.
  64. With more relationship points gain for Dari.

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