Stock benefit blocks
What TornLife's research has established about Stock benefit blocks, and the questions players asked about it.
What TornLife has verified
- Separate purchases of the same stock are listed as separate blocks and grant no benefit until stacked into one block. Stacking blocks bought at different times or prices resets Length owned to the stacking time and averages the share price. (documented; Stocks 2.0 › Your Stock Portfolio › Stacking Stocks, )
- Current 31-day active blocks (shares): CNC 7,500,000 for $80,000,000; GRN 500,000 for $4,000,000; HRG 10,000,000 for a random property; IOU 3,000,000 for $12,000,000; TMI 6,000,000 for $25,000,000; TCT 100,000 for $1,000,000; TSB 3,000,000 for $50,000,000; TCC 7,500,000 for a Clothing Cache. (documented; Stock Market › Stock Benefits › Summary Table — Stock Benefits (rows 1/2), )
- Wiki says a block can be split into two blocks by entering shares to remove; each gets its own portfolio listing. (documented; Stocks 2.0 › Your Stock Portfolio › Splitting Stocks, )
- Holding 1.5 million shares of the Torn City Investment Banking stock improves bank interest rates. (documented; Bank › Interest gains, )
- Passive blocks give constant perks with no payout: ELT 5,000,000 (10% home upgrade discount), IIL 1,000,000, IST 100,000 (free education courses), LOS 7,500,000, MSG 300,000, SYS 3,000,000, TCP 1,000,000, TGP 2,500,000, TCI 1,500,000 (10% bank interest), TCM 1,000,000 (10% racing skill), WSU 1,000,000, WLT 9,000,000, YAZ 1,000,000. (documented; Stock Market › Stock Benefits › Summary Table — Stock Benefits (rows 1/2), )
- The wiki Perks page (2025) lists a maximum of 13 stock perks, including TCI +10% bank interest, WLT private jet access, SYS advance firewall, IST free education, TCM 10% racing skill boost, TCP company sales boost, ELT 10% home upgrade discount, MSG free classified ads, IIL 50% coding time reduction, TGP advertising boost, WSU 10% course time reduction, YAZ free banner ad, LOS 25% mission reward bonus. (documented; Perks › Personal Perks › Stocks, )
- Current 7-day active blocks (shares): ASS 1,000,000 Six Pack of Alcohol; BAG 3,000,000 Ammunition Pack; EWM 1,000,000 Box of Grenades; LAG 750,000 Lawyer Business Card; LSC 500,000 Lottery Voucher; MUN 5,000,000 Six Pack of Energy Drink; PRN 1,000,000 Erotic DVD; SYM 500,000 Drug Pack; THS 150,000 Box of Medical Supplies; PTS 10,000,000 100 Points. (documented; Stock Market › Stock Benefits › Summary Table — Stock Benefits (rows 1/2), )
- HRG gives a random property, each between Trailer and Private Island with equal 1/13 chance. BAG ammo pack quantity depends on the equipped weapon type: 6x heavy artillery, 100x for some pistol/shotgun calibers, 250x for others. (documented; Stock Market › Stock Benefits › Additional Benefits Description, )
- The Point wiki (2026) confirms PTS pays 100 points per increment every 7 days. (documented; Point › How To Earn Points › Spin the Wheel / Stock Benefit Block, )
- The wiki distinguishes two stock benefit types: Passive benefits, which require owning the correct number of shares for 7 days before the benefit activates, and Active benefits, which pay dividends every 7 or 31 days. (documented; Stock Market › Stock Benefits › Summary Table, )
- For Active benefit stocks, each successive increment of the benefit costs double the shares of the previous increment (e.g. FHG's first increment is 2,000,000 shares for 1 FHC/week; the second increment costs 4,000,000 more shares, total 6,000,000, for a second FHC/week; the third costs 8,000,000 more, total 14,000,000, for a third FHC/week). (documented; Stock Market › Stock Benefits › Summary Table, )
- Buying multiple increments does not reset dividend time-progression already accrued on the smaller amount; progression continues on the old holding until the pending dividend is claimed, then restarts toward the new, larger number of simultaneous dividends. (documented; Stock Market › Stock Benefits › Summary Table, )
- Active benefits cannot stockpile: a player who goes inactive for two weeks while entitled to 1 FHC/week does not collect 2 FHC. Progression runs on a daily cron at midnight, giving a 24-hour window to collect a dividend before further progression toward the next one is lost. (documented; Stock Market › Stock Benefits › Summary Table, )
- Because Energy is capped at 1,000 and Happiness at 99,999, collecting a dividend that would exceed the cap wastes it; the wiki specifically warns that owning more than 10 MCS increments will waste energy every 7 days. (documented; Stock Market › Stock Benefits › Summary Table, )
- Stock benefits are calculated from the number of shares owned, not the money invested, and once the required share count is bought the benefit activates instantly with no waiting period (unlike the older system). (documented; Stocks 2.0 › Stock Benefits, )
Questions about Stock benefit blocks
- How does stock trading work, and which stocks are best to invest in for profit?
Shares are bought and sold instantly at a system price that moves every minute. Buying is free and selling costs 0.1% of the value sold . You can pro…
Stocks ·
- How can a player exploit or maximize profit from the Torn stock market, and what stock-market tactics are considered abusive or against the rules?
Under current Torn rules, stocks pay in two legitimate ways: holding benefit blocks and trading on price . No rule TornLife found names stock price m…
Stocks ·
- With bank investment funds maxed out, what is the best stock market investment strategy for the remaining cash?
Buy the bank-interest stock (1,500,000 shares, +10% City Bank interest) first since it boosts the return on the cash already locked in the maxed bank…
Stocks ·
- Do owning multiple benefit blocks of the same stock give multiple benefit payouts?
Yes for active benefits, but through increments, not through separate minimum-size blocks. Each further increment costs double the previous one , and…
Stocks ·
- How do stock benefit blocks work in Torn, and how often do they pay out?
A benefit block is the number of shares in one stock that earns its benefit. Active blocks pay on a fixed cycle of 7 or 31 days, and passive blocks g…
Stocks ·