1: Max Bank Investment
Invest with 10 merits - Choose whatever length has the best APR.

2: Stocks
Buy the ones that provide 20% or higher RoI

3: Buy Max PIs to Rent out.





1: Max Bank Investment with 10 Merits:

• The bank easily gives the best ROI in the game of any passive investment (Which is why this should be 1st for anyone)
• What's more, it's 100% guaranteed!
• If you stick in 2b, and it says you'll get 2.4B back in 3 months, then that's EXACTLY what you'll get.
• You will need to allocate 10/10 merits to Bank Interest
• If you're a n00b and don't have the full 2B to invest, Follow this guide to maximise your income

A Word on TCB:

Should you get the TCB stock that provides aditional interest rate?

In a word, no.

• TCB has an ROI of about 10%, therefore it'll take roughly 10 years of holding it and constant bank investments to pay itself off.
• Sure if you're playing for 11 years, it'll be "worth it" but honestly you'd be better off buying a Max PI with a bit extra and renting that out - more on that later.
• You CAN min/max it by buying this block 7 days before an investment, and then selling after doing bank investment....but if you have an unlucky sale/buy price you could be out 10s of m which would negate the gains made from it.
• That also means you either have to have 1.3B spare, or sell something to buy it, and then sell again.

Either way - seems like a lot of effort but up to you.




2: All Stocks that provide a 20% or higher ROI:


So you've maxed out your bank investment and still got cash left over?
Great, time to put that cash to work for you in stonks!

• Cola's post with updating google drive sheet is awesome for this.
• Make a copy in your drive, stick in your API key, and click the button.

You'll now have something that looks like this:

• The sheet auto sorts itself by ROI @ 365 days and displays this as a percentage
• As you can see - I've currently got a bank investment, SYM, FHG, TCT, IOU & GRN.
• This is SUPER helpful as we want to purchase anything above about 20%, STARTING with the highest ROI.
• Now you just need to buy all these stocks down till around 20%.
• Why around 20%? This is when Max PI rentals start to make sense.

But to be honest, I'd go to about 18%, as CNC is a nice guaranteed chunk of change to get every 31 days






3: Buy Max PIs to Rent out:

If you have a Max bank investment rolling and all income generating Stocks to around 20% or so your next step is to buy Max PIs and rent them out!

• A Max PI costs roughly 1.65B to 1.7B, we'll go in the middle and say 1.675B.
• As of writing, a reasonable sum to expect per day for a Max PI rental is about 1m per day.
• Some do go for more or less, but we'll use this as an example to keep it simple.
• Therefore, if you rent this PI out for 365 days a year, and it cost you 1.675B, that's going to pay itself off in about 4.5 years.
• OR in percentage terms, that's about 22% ROI.

However life isn't always so straight forward and two major factors affect your ROI here:

1: Any day the PI is not rented out, the ROI drops.
2: Any rental amount under 1m per day, the ROI drops.


Example:

• We rent out our PI for 340 days of the year.
• We get 900k per day.

Doesn't sound too bad does it? Only lost a few days and 100k a day!

Well this translates into a new ROI of 5.47 years, or 18.2% per year.

So, depenidng on rental market factors, and how quickly you can fill the PI, you should expect somewhere in the region of 18-22% ROI on a Max PI.

N.B. - I have no idea about other PIs, but Max PIs are generally most useful due to the happy that 99% of Torn wants for training :)






Closing statements:

I hope you enjoyed reading this guide as much as I did writing it.

All of the above is correct as of November 2021.

There are many other ways to make money (I am a trader for instance) so this isnt' the only way to make money, however it is an easy way with very little risk.