Talk:Investments/@comment-178.11.225.142-20170329191609/@comment-31047653-20170411193837

As far as calculations go, you're right. The mercs are simply treated as a negative ROI due to their upkeep.

For the trivial returns from the bank:
 * You are guaranteed to get 5k from the bank at the start of Chapter 2. As the 5k can be used in the first round of investments, I'd suggest adding it to the available amount there rather than during Megail's Route. Some might find it more useful there and adding it directly to Megail's route would be a limitation.
 * You are guaranteed to get 5k from the bank during Megail's Route. If your Yhilin score is 6 or above, you get 10k.