Stock market
What TornLife's research has established about Stock market, and the questions players asked about it.
What TornLife has verified
- Using the stock market requires a Stock Ticker, bought for 50 Points at the Points Building. Stocks can be held for benefit blocks or for speculative trading. (documented; Stock Market › Getting Started, )
- Torn's Scripting Abuse rule (game ban penalty) prohibits software making automated, non-manually-triggered requests to Torn that are not via the official API; any stock-trading bot or script that auto-buys/sells outside API calls the player personally triggers is against the rules, independent of whether the trading strategy itself (e.g. pump-and-dump) is allowed. (confirmed by Torn; New rule addition - Scripting abuse, )
- Purchases can be merged into a single position, which averages bought price, bought date, profit and change. Individual purchases can be sold from the purchase history table. Since 22/06/2021, sells remove shares from the newest transaction rather than the oldest. (documented; Stock Market — Buying and Selling, )
- Stocks 2.0 benefits depend on shares owned. Blocks are active immediately on purchase. Cash-dividend stocks (TCC 350,000 shares, IOU 3,000,000, TSBC 4,000,000, GRN 500,000) pay random cash dividends at approximately 20% APR. (documented; Stocks 2.0 › Stock Benefits, )
- Stocks cannot be bought or sold while in hospital, jail or traveling. Stocks cannot be traded directly between players; all trades go through the stock market. (documented; Stock Market — Buying and Selling, )
- Per Chedburn, prices move every minute (formerly every 15 minutes) and are based on real-world stocks in the same industries. Prices are expected to rise about 10% a year on average, with no guarantee. Some stocks can double within a month or crash significantly. (confirmed by Torn; Stock Market — Stock Prices, )
- Awards track stock market results: Moneybags for investing $100,000,000, Dividend for 100 stock payouts, Monopoly for owning every stock benefit at once, and Bullish/Bearish for $1,000,000,000 total profit/loss. (documented; Award — Money & Trading, )
- Patch changes: Mc Smoogle dividend increments capped at 10 (1,000 energy) on 04/10/22. Munster Beverage Corp. (Six Packs of Energy Drink) was added 06/07/21 and Alcoholics Synonymous (Six Packs of Alcohol) on 29/06/21. Monopoly requirements now use the current number of live stocks. (confirmed by Torn; Stock Market — Patch History, )
- Buying and selling shares is instantaneous, with no limit on shares bought, sold or owned. If prices are updating, a purchase may take about 10 seconds before the order must be confirmed again at the new price. (documented; Stock Market — Buying and Selling, )
- The wiki (2025 capture) says the stock market is reached from the north side of the city, or while flying with a laptop. It lists each stock's price, 24-hour change, percent change and graph, colour-coded green, yellow or red. Profiles show benefits, shares required, forecast, demand, market cap, total shares and shares for sale, and have a buy form taking shares or a dollar amount. (documented; Stocks 2.0 › Stock Trading › Buying Stocks, )
- Holding 1.5 million TCB shares raises bank interest by 10% (e.g. 1.00%, 2.00%, 8.00%, 22.00%, 40.00% become 1.10%, 2.20%, 8.80%, 24.20%, 44.00%). Each merit spent adds 5% to APR. Bank APRs vary over time. (documented; Stocks 2.0 › Stock Benefits — Stock Benefits (rows 2/2), )
- Buying carries no tax. Selling costs a fee of 0.1% of the total value sold, e.g. $1,000 on $1,000,000. The fee was waived between 06/04/21 and 20/04/21. (documented; Stock Market — Buying and Selling, )
- Patch history: Stocks 3.0 released 06/04/21. On 20/04/21 the 0.1% sales fee (after a two-week free period), a 'Stock fees paid' stat and news ticker price headlines were added. On 27/04/21 red warnings were added when a sale would interrupt a benefit or dividend cycle. (confirmed by Torn; Stock Market — Patch History, )
- FHG needs 2,000,000 shares per block and pays a Feathery Hotel Coupon on average four per month. Each extra increment costs double the previous one. (documented; Stocks 2.0 › Stock Benefits, )
- The TCP stock gives a 10% boost to company profits, effective only for the company Director. (documented; Stocks 2.0 › Stock Benefits — Stock Benefits (rows 2/2), )
- Active stock benefits pay every 7 or 31 days, cannot be stored, and must be claimed within a 24-hour window after the midnight cron or progress is lost. (documented; Stock Market › Stock Benefits › Summary Table, )
- Chedburn (developer), Sept 2021: with the sale fee, short-term volatility was still strong and profitable, averaging 30b in profit daily across traders. Removing the fee would allow minute-by-minute high-frequency trading, where scripts take over. (confirmed by Torn; Stocks Investment Cap: 400b PER Stock, )
- A Torn developer confirmed pump-and-dump manipulation of the old stock market was possible and explained the mechanic: hold huge wealth, wait for a stock already trending upward with a good forecast, then pile in hundreds of millions each tick to accelerate the rise, later selling into the market's generous NPC buyback once a stock has consumed trillions in volume that month. (confirmed by Torn; Possible stock manipulation, )
- Patch history: API stock selections released 13/04/21; red warnings for cycle-interrupting sells 27/04/21; sells remove shares from the newest transaction 22/06/2021; Alcoholics Synonymous added 29/06/21; MCS dividend increments capped at 10 (1,000 energy) on 04/10/22. (confirmed by Torn; Patch list #259 : 04/10/22 — changes to Stock Market (2022-10-04), )
- 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, )
- A 2023 staff update reduced short-term stock price volatility without changing the direction of price movements; a staff member's reaction ('RIP my profits') implies the change reduced short-term trading profitability. (confirmed by Torn; Stock Market - Volatility Update, )
- The same developer explicitly stated pump-and-dump on the stock market is 'not cheating or illegal', while calling the underlying system 'not a good system' and acknowledging it can be manipulated 'in many ways by the playerbase, this has always been the case'. (confirmed by Torn; Possible stock manipulation, )
- A 2019 developer post responding to a suggestion titled 'Preventing new stock abuse' said no new stock blocks would be added to the then-current stock system, because the whole stock market was planned to be replaced with a new system 'which won't have any of the limits we see in the current one'. (confirmed by Torn; [100R+] Preventing new stock abuse., )
- Staff (bogie) publicly denied that insider trading occurs on behalf of players in a 2016 thread, stating the NPC system itself also buys shares and dismissing a player's claims of price manipulation as unfounded theories rather than confirmed fact. (confirmed by Torn; Insider trading, )
- In 2025 staff introduced formal API Terms of Service Guidelines that all creators of scripts, bots, sheets, extensions and third-party stock/market tools must follow, effective 1 June 2025, as part of the Scripting Abuse rule enforcement framework. (confirmed by Torn; API Terms of Service Guidelines, )
- A 2025 rules update formally added an ABETTING violation covering knowingly collaborating with rule violators for shared gain, including middleman asset transfers between alt/restarted accounts to preserve wealth across bans; this general anti-collusion rule would apply to any coordinated scheme (e.g. a stock manipulation ring) run to help a banned or restarted account retain illicit gains. (confirmed by Torn; Rules update: Abetting, )
- Both wiki sources confirm the Stock Analyst honor is one of the Stock Market category honor bars (grouped with Moneybags, Dividend, Monopoly, City Slicker, Tendies, Stonks, Bullish, Bearish, and Diamond Hands), so it is tied to stock market activity rather than any other game system. (documented; Award › Honors › Money & Trading, )
- Neither wiki capture gives an exact numeric threshold (e.g. a specific profit amount, number of trades, or percentage return) for Stock Analyst, unlike several sibling stock honors (e.g. 'Invest $100,000,000', 'profit of $10,000,000 in a single sale') which do have exact figures. (documented; Award › Honors › Money & Trading, )
Questions about Stock market
- 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 ·
- How does the stock market work in Torn, and how do players make money from buying and selling stocks?
Torn's stock market (Stocks 3.0, released 06/04/21) lets a player with a Stock Ticker buy and sell shares instantly at the current price, with no buy…
Stocks ·
- How can a player make a lot of money in Torn?
No source ranks Torn's money makers by income. A June 2026 guide treats flying abroad from level 15 as the standard start, ideally from a Private Isl…
Crimes ·
- How does the stock market work in Torn?
Torn's Stock Exchange requires a Stock Ticker (50 Points). Shares are bought and sold instantly at the current price, with a 0.1% fee on sales . Hold…
Stocks ·