Okay, everyone is mentioning doing something more complicated than tiers.  The thing is that would complicate matters a lot matter.  As doog mentioned before, the invested amount for each player is really easy to calculate, a recalculation needs to be done only when players invest or divest.  The thing with a non-tier system is that there will be a hell lot more calculating that needs to be done.  And taking the sum of all the invest amount times risk is really hard to do.  It will need to be updated after each bet as each bet loses and gains differently.

That's why tiers is better as it helps simplifies calculations.

I have a compromise to offer.  Maybe you could have 3 tiers (or more).  And players can invest in a combination of tiers.  0.25%, 1%, 5%.  Something like that.  The highest one could be really high.

This is because you can invest in a combination of tiers.  And the calculations wouldn't be extremely difficult as the server can bunch all the low risk accounts together, med, high etc.


The thing is why would it be a 35% annual return?  The return is tied to the amount invested in total.

You could be screwing old investors even more.  So, now you'll be making steady profits but less, so it'll take a while to get return.  But, wait there's more.  Since there is "easy" profit, the amount invested will increase.  And your annual return might go down.  Especially since, this is very liquid investment, if it was very liquid and quite safe then this means that annual return does not need to be very high.

And what happens when investment increases.  Well, the max bet increases too.  So, if having a high max bet means gamblers can profit a lot, and if the invested amount increases.  This means that its almost the same as before.  So, the only solution would be to cap investments.  But that is totally against the idea of just-dice.