... where are the 20% thing coming from, the yearly CLD ROI at current price is less then 11% at a 1770ped investment size.
I did not say the CLD was worth 1770 either at the current ROi.....
But it's lot of risk in both.
Some of the risk you take if you buy them:
1. The risk of the deeds it self, we can't know it he payout will increase or decrease. Look at the CLDs, the have gone down from the start.
2. The company risk of MA. You need MA alive and kicking if you want the peds converted to really money. MA could close down both the game and the company tomorrow, next year, but someday they will. Nothing last for ever. Let's assume you are "happy" with 5% ROI, that means you need 20 years to even get the money back. It's a big risk the game will not exist in 20 years.
3. For non-US players we take a currency risk. The USD is very strong at the moment, but it could easily go back to the value it had just two years ago, that could mean a value decrease with around 20% , or even more. Of cource it could also go the other way, an even stronger USD, but I don't think so, because that would be hard for USA to handle.
So in combination a lot of risk, and risk means you should have a high return on your investment. If that means 15% or 20% is up to the investor to decide. But 5%? way too low.....