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Bug[1455582]Committee
· 156 likes · This is my first guide so I would appreciate some constructive feedback. Thanks for your time, please be gentle :)
Bug[1455582]Committee
· 45 likes · Updated, I've replace the Cheat Sheet table with a new graphic that will auto update itself every 15 minutes. It also includes HRG now too! This hopefully means I wont have to remember to update this regularly (or rather, forget). …
Adobi[2443510]
· 29 likes · I replicated it here until the image is fixed [image: docs.google.com] Stock Benefit Blocks
THIS GUIDE IS NOW OUTDATED! STOCKS 3.0 HAS BEEN RELEASED, WOO!
The Basics
The Stock Market allows you to purchase shares in a company, and in exchange for holding a specific number of shares (which vary depending on the company) you will be entitled to various payouts or benefits. These are often referred to as Benefit Blocks (BBs), which must have at least the minimum requirement of stocks stacked together. This guide will cover these benefits and discuss which give you the best bang for your buck when it comes to earning passive income.
Benefit Types
When it comes to passive income there are two different type of stock payouts, dividends and item payouts. Dividends will pay out on average once every 3 months at about 5% of the stock block's current value, thus these pay out 20% per year and take 5 years to recover their cost. The second type being item payouts, which reward you with an item (usually weekly on average) that you can use or sell and vary greatly from stock to stock for their return rates.
There are two exceptions to these types which still offer direct financial benefit, which are Home Retail Group (HRG) and Torn City Investment Banking (TCB) which payout random properties and improve bank interest rates respectively. Home Retail Group will payout a random non-upgraded property from trailers to castles, although it appears to provide lower end properties more often than the higher end variants. Due to the random nature of property payouts, it is hard to put an exact number on HRG's payout rate but with a little luck it could pay itself off pretty quickly. Torn City Investment Banking provides a 10% increase in interest from bank investments (calculated after merits), which is also hard to define as bank interest rates are constantly fluctuating. Looking at current interest rates and the cost of the benefit block, TCB will take a long time to return it's initial cost even with optimal bank investments. If you have a group of highly trusted friends only one of you needs to purchase the block and it can be shared between you as the interest is only calculated when you initially store money in the bank and you do not require to keep possession of the benefit block. This is however extremely ill-advised and is a great way to lose your benefit block.
The remaining benefits from BBs could save you money, improve company profits or provide services that would otherwise cost however they are not direct forms of income and so will not be covered in this guide. If you are looking to acquire some of these bonuses, then I would recommend that you do so after you have all of the other benefit blocks. The only exception to this would be West Side South Bank University (WSSB), which cuts down all education times by 10% and could shave a HUGE amount of time of your education.
Payout Mechanics
Many players complain of infrequent payouts and you can often go weeks or months without a payout from your benefit block, this is common and the payouts from all Benefit Blocks are extremely random but over time have an average payout rate. Every hour you have a small chance to receive a payout (for weekly stocks this is 1 in 168), which means that you could receive 3 payouts consecutively if you are lucky or none for many months if you are unlucky.
Frequently Asked Questions
Q: Do dividends payout a percentage of their original value or current value?
A: Dividend Stocks payout a percentage of their current value, so the performance of the stock affects your payout.
Q: Does awareness or the stock forecast have any affect on the frequency of BB payouts?
A: No, payouts are completely random and no external factors affect them.
Q: Should I max out my bank or buy stock BBs first?
A: It would be wise to buy FHG first and THEN max your bank, as this stock BB payout faster than the bank will, although you should compare this at the time as interest rates fluctuate. Currently the bank returns at 34.65m (1.73%) per week with 10/10 banking merits and a $2 billion investment for 2 months. This would take 1.09 years to break even.
Q: Which BB should I purchase next for fastest return?
A: Check the 'Cheat Sheet', they are ordered by fastest return rate.
Q: If I buy two benefit blocks, will I get twice the payout?
A: No, you will only earn the bonus from one of the stock blocks at a time.
Q: It's been two weeks without payout and my stock should payout weekly, is it broken?
A: No, payouts are completely random. Ensure your block has the message "You are currently earning a bonus from this block".
Cheat Sheet
The following 'cheat sheet' is always accurate as it automatically updates itself every few minutes and shows the cost of each Benefit Block and payout rate relative to the original cost, the percentage shown is how much of the initial cost is returned per week (on average). This resource is ordered from best to worst stock in terms of return rate with TCB excluded because of its difficulty to calculate. While HRG is included, because of its random nature the results may be slightly incorrect.
"Q: Should I max out my bank or buy stock BBs first?
A: It would be wise to buy the top 3-4 stock BBs first and THEN max your bank, as these stock BBs payout faster than the bank will, although you should compare this at the time as interest rates and stock values fluctuate."
I remember not too long ago I suggested the same to someone asking what he should do with his 400m, only to be told by several people that I am clueless and that "he should max his bank first thing!!!!1"
Can you link This? I'll have to redo the math again at current interest values, but I'm pretty sure the current top 4 stocks beat the bank in terms of return percentage.
You can't use TCB in your calculations without adding it's cost...
If you consider it's 'weekly payout' to be the 2 month option divide by 8, without TCB and 10/10 banking I calculate 1.856%. That is much higher than I expected, I recall bank being much worse than stocks not too long ago. Perhaps varying item costs and raising stock prices are to blame.
Fair enough, can't use TCB. I have faction mate, who loans it. But still people can see the potential. Bank investment is 60 days for 2 months. 30 days for 1 month, 90 days for 3 months. 8 weeks is 56 days.
Went back over all the old HRG events I had while I was inactive and put them in a table. Kept all the values at estate agent prices for fairness as the majority of properties I just sell to that.
Property
Value
Amount
Total
Semi-Detached House
56,250
28
1,575,000
Detached House
225,000
25
5,625,000
Beach House
375,000
18
6,750,000
Chalet
562,500
15
8,437,500
Penthouse
1,500,000
8
12,000,000
Mansion
2,250,000
8
18,000,000
Ranch
11,250,000
7
78,750,000
Palace
48,750,000
5
243,750,000
Castle
150,000,000
2
300,000,000
Total
116
674,887,500
Start Date:
25/5/2016
Current BB Cost
536,000,000.00
Weeks Held
105
Payout per week
6,427,500
ROI
1.20%
Weeks to pay for BB
83.33333333
ROI was actually better than I expected, my prediction prior to doing this was closer to the 1% mark. Anyways, figured this might help someone.
![[image: torn.sliw.co]](http://torn.sliw.co/resources/stockmarket.png){kind=link}
![[image: i.imgur.com]](https://i.imgur.com/drwIU7J.png){kind=link}