Passive Income Investment Guide

Source: Deadringers [2560768], thread t=16251499. Karma 628. 7.5k profile karma (very trusted player).

The 3-Step Order of Operations

This is the sequence to follow. Do them in order. Don't skip ahead.

1. Max bank investment with 10 merits 2. Buy all stocks with 20%+ ROI 3. Buy max PIs and rent them out

Step 1: Torn City Bank (Max Investment + 10 Merits)

Best ROI of any passive investment in the game. 100% guaranteed return.

Invest $2B, it says you get $2.4B in 3 months: that is exactly what you get. No volatility, no risk.
Allocate all 10 merit points to Bank Interest before investing. This is mandatory to get the best rate.
Choose whichever term (1 week / 2 weeks / 1 month / 2 months / 3 months) currently has the best APR. Check at time of investment.

On the TCB Stock (Bank Interest Block)

Do NOT buy TCB for the extra bank interest rate. Here is why:

TCB has ~10% ROI itself
It takes roughly 10 years of constant bank investments to pay off the block
Better to put that same capital into a max PI rental at 18-22% ROI
You CAN min/max by buying TCB 7 days before an investment and selling after, but: one bad buy/sell price can wipe out the gains, plus it requires $1.3B spare or selling other assets to fund it temporarily
Not worth the hassle

Step 2: Stocks (20%+ ROI)

After the bank is maxed, put surplus cash into stocks.

Use Cola's Stocks 3.0 Spreadsheet (colaman32 [2091413], thread t=16224439): 1. Make a copy in your Google Drive 2. Enter your Torn API key 3. Click the button 4. Sheet auto-sorts by ROI @ 365 days

Buy every stock above ~20% ROI, starting from the highest ROI first.

Stop at around 18-20% because that is where PI rentals become more attractive than more stocks.

Known High-ROI Stocks (as of writing, always verify current)

SYM: Drug Pack weekly payout (~$4M/week), ~$320M investment. Also great for cash storage.
FHG, TCT, IOU, GRN: all noted as above 20% ROI in Deadringers' own portfolio
IOU: extra upside from random class action lawsuit payouts on top of listed ROI (underrated)
CNC: good guaranteed monthly payout, recommended down to ~18% threshold

Stock Benefits Beyond ROI

Many stock blocks give passive perks beyond cash payouts: - SYS: Protects company vault from hacking. Essential if running a company. - TCI: Extra bank interest rate (but marginal, see TCB note above) - WLT: Private flights (reduced travel times)

Step 3: Max PI Rentals (Landlord Strategy)

Once bank is maxed and stocks down to ~20%, buy max PIs (fully upgraded Private Islands) and rent them out.

Numbers

Max PI purchase price: ~$1.65B-$1.7B (use $1.675B as estimate)
Daily rental rate: ~$1M/day for a max PI is a reasonable baseline
Payoff period at perfect rental: ~4.5 years = 22% ROI
ROI in real conditions: 18-22% depending on vacancy and daily rate

What Reduces Your ROI

Scenario	Effect
1 day vacant	ROI drops
Rate drops to $900k/day	Significant ROI hit
340 rented days at $900k	ROI falls to 18.2% (5.47 year payoff)

Why Max PIs Specifically

99% of players want max PIs for their high happy (3600+) and training efficiency
Most sought-after rental tier in the market
Other PI tiers have lower demand and harder to keep rented

Selling PIs

PIs can be resold if you want to exit the investment. They hold value well. Worst case: sell at roughly what you paid.

Summary: Full Passive Income Stack

Investment	Typical ROI	Risk	Notes
Bank (max merits)	Best in game	Zero	Do first, always
High-ROI stocks (20%+)	20-50%+	Very low	Use Cola's spreadsheet
Max PI rentals	18-22%	Low	Requires active management to keep rented
Cayman Islands Bank	Near zero	Zero	For storage only, not passive income

Bank Interest and Stocks
Money Making Overview
Forum Sources