Post by mellions on Mar 3, 2022 20:42:03 GMT
Issue:
Having increments of 0.5 - 2.0 interest and a 14-day minimum call period is a stale mechanic - most bonds in the market are set to minimum and there are TONS of same offers with no special difference.
Solution:
1. Rates can go in increments of 0.05 instead of 0.5.
This will create more options and people who are willing to go to 0.05 more just to get better ods.
2. New debt to build and Bond Category multiplier mechanic:
Prime and High Grade multiplier: 2
Highly speculative: 0.5
Maximum debt to build ratio = BondRate * (100% * BondCategoryMultiplier)
As in real life, bigger companies have access to better rates and higher amounts.
This would cap the amount of bond a company could issue based on their size.
Beginner companies could get maximum 100% debt to build if they are willing to go all the way to 2% bonds and larger companies could have a measly 0.5% and still get 100% debt to build ratio.
That would also mean that if a small company wants 0.5% rate, the maximum amount of bonds they can have is 25% their build size and if they want more they have to issue more aggressive bonds with worse rates, while big companies can have better rates with same % of debt to build.
3. Different bond rate minimum and maximum rates:
Highly speculative from 1.00% to 2.00%
Prime from 0.25% to 1.00%
4. Calling bonds:
Prime: 10 days
Highly speculative: 14 days
This means that if you want more profit, you have to search for small companies as they can issue higher interest bonds and pau interest for longer before calling the bonds, but they are riskier.
Going for consolidated companies is safer but the interest lower and they can call the bond faster, which could be less desirable.
This new mechanic would generate a new risk/reward kind of scenario where you could choose safer and get less for a short period or get money faster at riskier investments, as well as simulating real life-like loan mechanics.
Having increments of 0.5 - 2.0 interest and a 14-day minimum call period is a stale mechanic - most bonds in the market are set to minimum and there are TONS of same offers with no special difference.
Solution:
1. Rates can go in increments of 0.05 instead of 0.5.
This will create more options and people who are willing to go to 0.05 more just to get better ods.
2. New debt to build and Bond Category multiplier mechanic:
Prime and High Grade multiplier: 2
Highly speculative: 0.5
Maximum debt to build ratio = BondRate * (100% * BondCategoryMultiplier)
As in real life, bigger companies have access to better rates and higher amounts.
This would cap the amount of bond a company could issue based on their size.
Beginner companies could get maximum 100% debt to build if they are willing to go all the way to 2% bonds and larger companies could have a measly 0.5% and still get 100% debt to build ratio.
That would also mean that if a small company wants 0.5% rate, the maximum amount of bonds they can have is 25% their build size and if they want more they have to issue more aggressive bonds with worse rates, while big companies can have better rates with same % of debt to build.
3. Different bond rate minimum and maximum rates:
Highly speculative from 1.00% to 2.00%
Prime from 0.25% to 1.00%
4. Calling bonds:
Prime: 10 days
Highly speculative: 14 days
This means that if you want more profit, you have to search for small companies as they can issue higher interest bonds and pau interest for longer before calling the bonds, but they are riskier.
Going for consolidated companies is safer but the interest lower and they can call the bond faster, which could be less desirable.
This new mechanic would generate a new risk/reward kind of scenario where you could choose safer and get less for a short period or get money faster at riskier investments, as well as simulating real life-like loan mechanics.