Finally earning some decent Torn dollars and wondering what to do next? Read on!
1. Major Investments
Torn City has essentially three safe passive investment avenues. I will list them regarding their importance descending.
The Bank (with max merits in interest)
Importance: very important, max bank limit first before other investments
Return: 80%+ per year(3 months with max merits)
Time: 3 months, fixed
Investment Limit: 2 billion $, 3 bn with oil rig
Useful to know:
- max bank interest merits are vital for this investment
- keep some liquidity in cash, once your money is invested it’s locked up for good for the entire duration
- you can increase the investment limit by working for a 10* oil rig (requires huge work stats)
Stocks & Benefit Blocks
Importance: important, but declining with investment amount
Return: depends on stock benefit, see investment table, returns decrease with amount invested
Time: varies, some benefits pay out every 7 days, others every 31 days, others are passive
Investment Limit: unlimited
Useful to know:
- read up the specifics of stocks here.
- automatic table calculating the best investment returns, includes PI rental income and bank investment, keep in mind that stock dividends can be goods or services instead of money.
- the more benefit blocks you own, the less return on investment you get
Renting out Private Island (Max Upgrades)
Importance: not important
Return: 20%, depends on rental market
Time: depends on lease duration, 7 or 30 days terms the norm
Investment Limit: 1,71 billion/max PI
Useful to know:
- the PI rental market is saturated, only useful if you have so many stock benefits that further blocks would have a lower return than renting out a PI
- 10% discounted upgrades with Empty Lunchbox Traders stock benefit
2. Lesser Investments
These are alternative investments with a lot of risks involved. Only “recommended” (not really) if you have more money than you know what to do with.
Buying a business with a manager
Essentially you finance a company and have someone else run it, while collecting part of the earnings/sale value. Risks are obvious. Only hire someone you would trust with your first-born as manager. Even then be prepared to learn a valuable lesson about money & friendship.
Trading stocks (personally)
Once upon a time in a galaxy far, far away…
active stock trading was the path to riches some consider to be unnatural. Then came Lt.Wolf along, chedded it and shut the party down. Bleak.
Stocks have such a tiny daily volatility that it’s only worthwhile using billion dollar amounts. If you think you can read the charts, then this website is for you.
Trading stocks (with a manager)
An industry riddled with frauds, thieves & scammers, but there are those that claim to be able to predict Torn’s stock market waves with accuracy. Often charging high fees & requiring high investment amounts for bad investment returns. Obviously requiring a huge amount of trust, so if you ever want to try it, check the fund manager thrice. Look at their forum pages in the stocks sub-forum. I only know of one individual that is somewhat legit. Anyway here is a link that should help you.
