He's got plenty of time, and doesn't need that much seed money or that high a growth rate -- unless Lucius has a plan that'll get intolerable well before his payment comes due. I ran some numbers, and if he's making 3% profit on each of one-third of all trading days for six years (which I think is if anything conservative -- the arbitrage hack early in the story would be a couple orders of magnitude more profitable until someone catches on), he needs a principal of a little under 40 Galleons to break the 100,000 mark by the end of year 7. For 60,000, it's more like 25.
That's a decent amount of money if we're going by the prices we've seen for goods, but I'd be surprised if he couldn't borrow it from any of the suitably impressed adults he's surrounded himself with. Especially if they've got a motive to screw the Malfoys over.
Note that Harry secretly buried 100 Galleons in the backyard of his parents' house back in chapter 36, so having seed money is not an issue.
This is a new thread to discuss Eliezer Yudkowsky’s Harry Potter and the Methods of Rationality and anything related to it. This thread is intended for discussing chapter 81, which should be published later today. The previous thread passed 400 comments as of the time of this writing, so it will pass 500 comments soon after the next chapter is posted, if not before. I suggest refraining from commenting here until chapter 81 is posted; comment in the 12th thread until you read chapter 81. After chapter 81 is posted, I suggest all discussion of previous guesses be kept here, with links to comments in the previous thread.
There is now a site dedicated to the story at hpmor.com, which is now the place to go to find the authors notes and all sorts of other goodies. AdeleneDawner has kept an archive of Author’s Notes. (This goes up to the notes for chapter 76, and is now not updating. The authors notes from chapter 77 onwards are on hpmor.com.) When posted, chapter 81 should appear here.
The first 5 discussion threads are on the main page under the harry_potter tag. Threads 6 and on (including this one) are in the discussion section using its separate tag system. Also: one, two, three, four, five, six, seven, eight,nine, ten, eleven, twelve.
As a reminder, it’s often useful to start your comment by indicating which chapter you are commenting on.
Spoiler Warning: this thread is full of spoilers. With few exceptions, spoilers for MOR and canon are fair game to post, without warning or rot13. More specifically: