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Investment System — Complete Guide

Core SystemsSimplified Chinese availableV0.9.6.0
Guide noticeThis page contains gameplay and story spoilers and may describe mature systems.

Spoiler note: This guide explains how the Investment System works — the math, the mechanics, the buffs, and the strategy. It avoids spoiling Portia or Jade's H2H scenes, character beats, or the Broker job's narrative flavor.


What the Investment System Is

The Investment System is your late-game passive-income engine. You buy into businesses ranging from a $50 Coffee Shop to a $5,000,000 Space Mining operation — 50 investments total, each upgradable through 5 levels. Once owned, every investment generates daily income that accumulates while you play. Walk in, click Collect, walk out richer.

Unlike work jobs (which trade time for money), investments scale without consuming your day. A late-game portfolio can pay tens of thousands per real-world play session with zero active input from you.


How to Find It

The Investment Planning office is in the Present Era → Downtown → Office Building → Investment Planning room.

  1. Travel to the Office Building in Present Downtown (open 9 AM - 5 PM)
  2. From the office lobby, use the Go to Investment Planning action to enter the planning room
  3. Inside, you'll see three actions: Investment Planning, Broker (work shift), and Return to Office Lobby

Both the office building and the planning room are gated to 9 AM – 5 PM. Outside those hours, you can't reach the room.


The Three Actions in the Room

Investment Planning (the portfolio screen)

  • Time cost: 0 minutes (free to open)
  • Hours: 9 AM - 5 PM
  • Opens the portfolio management screen — buy, upgrade, and collect

This is where you actually manage your investments. Opening the screen is free; only purchases/upgrades cost money.

Broker (the office work shift)

  • Time cost: 60 min, -30 energy
  • Hours: 9 AM - 5 PM
  • Stat requirement: Commerce 30+
  • Pay formula: random((Charm + Communication), (Commerce + Intelligence)) + Luck
  • Skill bonus: Market Analysis ×2.0
  • Stat growth: 8% chance per shift to gain +1 Commerce

Broker is the highest-ceiling proficiency-tier work job in the game. Four stats feed the formula, plus Luck. With Market Analysis (×2.0 multiplier) it scales massively. At Commerce/Charm/Communication/Intelligence all 50 plus 30 Luck, expect roughly $260–460 per shift with the skill — better than any single-stat career.

Return to Office Lobby

Travel action back to the office hub. 0 cost.


How Investments Work

The Daily Income Formula

For each investment you own:

Daily Income = (Total Cumulative Cost Invested in this slot) ÷ 50

Every dollar you sink in pays itself back in 50 days flat. Past that, it's pure profit.

Example — Coffee Shop:

Level Cost This Level Cumulative Base Daily
1 $50 $50 ~$1
2 $75 $125 ~$2.50
3 $110 $235 ~$4.70
4 $165 $400 ~$8
5 (MAX) $250 $650 ~$13

So a fully maxed Coffee Shop costs $650 total and pays ~$13/day forever. Same math scales to the multi-million-dollar investments — Space Mining maxed totals about $15,066,335 and pays ~$301,326/day base.

Risk Tiers — Variance, Not Average

Each investment has a risk tier that controls daily variance. The average payout is the same — it's the spread that differs.

Risk Min Variance Max Variance
Low 80% 110%
Medium 60% 140%
High 0% 200%

A High-risk investment can pay $0 today and 2× tomorrow. A Low-risk one is a steady drip. Over many days they average out near base, but Low-risk wins for predictable cash flow and High-risk wins for jackpot moments.

The 50 Investments

All 50 investments and their risk tiers, in order of Level 1 cost:

# Name Risk L1 Cost L5 Total
1 Coffee Shop Low $50 $650
2 Delivery Co Medium $60 $785
3 Food Truck Medium $70 $915
4 Barbershop Low $80 $1,050
5 Laundromat Low $100 $1,310
6 Bookstore Medium $130 $1,700
7 Gym Shares Medium $150 $1,960
8 Pet Grooming Low $180 $2,355
9 Brewery High $220 $2,880
10 App Dev High $270 $3,530
11 Farm Co-op Medium $320 $4,190
12 Antique Store Medium $400 $5,235
13 Solar Install High $480 $6,270
14 Weddings Medium $570 $7,455
15 Jewelry Shop Low $700 $9,155
16 Tech Repair Medium $820 $10,725
17 Catering Medium $1,000 $13,070
18 Escape Room High $1,200 $15,670
19 Car Restore High $1,440 $18,815
20 Hotel Medium $1,740 $22,730
21 Chocolate Co Low $2,100 $27,430
22 VR Arcade High $2,530 $33,055
23 Tea Import Medium $3,050 $39,845
24 Spa Resort Low $3,680 $48,085
25 Drone Photos High $4,430 $57,870
26 Distillery Medium $5,340 $69,765
27 Car Rental High $6,440 $84,125
28 Chef Network Medium $7,760 $101,380
29 Wine Cellar Low $9,350 $122,135
30 Adventure Co High $11,280 $147,375
31 Crypto Mining High $13,600 $177,670
32 Yacht Charter High $16,400 $214,255
33 Aviation Medium $19,800 $258,655
34 Art Fund Low $23,800 $310,920
35 Space Tech High $28,800 $376,215
36 Real Estate Medium $34,600 $452,290
37 Diamond Mine High $41,800 $546,020
38 Private Island High $50,000 $653,170
39 Quantum Tech High $60,000 $783,800
40 Fashion House Medium $100,000 $1,306,335
41 Metal Trading High $130,000 $1,698,335
42 Biotech High $160,000 $2,090,335
43 AI Research High $200,000 $2,612,670
44 Banking Low $300,000 $3,920,000
45 Shipping Medium $400,000 $5,226,335
46 Energy Grid Low $500,000 $6,532,670
47 Satellites High $600,000 $7,840,000
48 Defense Corp Medium $700,000 $9,146,335
49 Media Empire Low $800,000 $10,452,670
50 Space Mining High $1,000,000 $13,066,335

(L5 totals are cumulative — what you spend across all 5 levels. Daily payout = total ÷ 50 before risk and bonuses.)

Earnings Accumulation

Earnings calculate only when you visit the screen. The system checks how many days have passed since your last visit, runs the daily calculation for each of those days (with risk variance applied each day), and adds the total to your pending collection pile.

You don't have to "log in" daily to collect. Skip a week, come back, and you'll get 7 days of earnings at once. There's no cap and no decay.

The Cash-Out Button

Inside the Investment Planning screen, the COLLECT: $X,XXX button shows your pending total. Click it to transfer the full pending amount to your wealth and reset the counter to zero. You can collect any time — there's no penalty for letting it accumulate, and no penalty for collecting often.


The Four Multipliers (They All Stack)

Four separate bonuses stack to boost your investment income. Get all four for max returns.

1. Investment Savvy (skill) — 15% off all costs

Every investment cost — purchases and upgrades — is reduced by 15%. On a $1,000,000 Banking investment, that's $150,000 saved on Level 1 alone. Across a fully built late-game portfolio, this skill saves you millions.

How to learn it: There are two paths.

Path 1 — Portia's Villa apartment H2H (the original source):

  • Choose the "Discuss Investment Savvy" special choice in Round 1

  • Requires you to NOT already have the skill

  • The Round 1 → 47 → 48 path ends with the skill being added

    To unlock the Villa visits in the first place:

    • 600+ relationship points with Portia (around Romantic stage)
    • Must have completed her prior "New Place" H2H ($300,000, requires 300 rel points + completed Mall Shopping H2H)
    • Visit between 7 PM - 11 PM at the Apartment Complex Downtown
    • Daily limit of 3 villa visits, so you have room to retry the conversation

Path 2 — Arestes (Master Thief, Thieves Guild Hidden Chamber):

  • Known+ relationship with Arestes
  • Intelligence 19+
  • 120 min, -50 energy, $500
  • The "Learn Investment Savvy" action appears in the Hidden Chamber once you qualify
  • Available 24/7 (Arestes is always at the Hidden Chamber)

Bonus synergy: Investment Savvy is also Portia's character special skill — having it doubles all relationship points earned with her going forward. So learning it (from either source) accelerates the rest of her romance arc.

2. Market Analysis (skill) — +20% to minimum variance

Boosts the minimum end of your daily variance roll by 20% (multiplicative on the floor). On Low-risk investments, the floor goes from 80% to 96%. On Medium, from 60% to 72%. On High-risk, 0% × 1.2 = still 0% (you can still get $0 days on High-risk even with this skill — it doesn't help bad days disappear, just makes mediocre days better).

Usage outside investments: Also gives ×2.0 income on the Broker work shift, and is Valerie's character special skill (doubles her relationship points).

How to learn it:

  • Jade (Brothel Master Bedroom) → 90 min, -40 energy, $300, Crush+ relationship with Jade, daily limit 20
  • Stat requirement: Commerce 17

3. Commerce stat — Commerce ÷ 1000 multiplier

Your Commerce stat applies a small multiplier: 1.0 + (Commerce / 1000).

  • Commerce 50 = 1.05× (+5% income)
  • Commerce 100 = 1.10× (+10%)
  • Commerce 150 = 1.15× (+15%)

Modest individually, but it stacks with the others and grows naturally if you're running the Broker shift (8% Commerce growth per shift). Commerce also gates the Broker job (30+) and Market Analysis (17+), so building it up serves multiple purposes.

4. Buffer Optimization (Patreon Master) — +5% flat

The Patreon Master perk applies a flat +5% multiplier to every day's earnings via the buffer_optimization_level flag. Same +5% applies across the brothel and proficiency career income too.


Strategy by Phase

Early Game (Day 1–20)

  • Buy the cheapest Low-risk investments first: Coffee Shop ($50)Barbershop ($80)Laundromat ($100)
  • Don't worry about upgrading yet — get more horses in the race
  • Daily income ramps to ~$5–10/day in this phase
  • Don't bother with High-risk yet — variance will burn you when cash is tight

Mid Game (Day 20–50)

  • Max all Low-risk investments to Level 5
  • Add Medium-risk to cover gaps (Delivery Co, Food Truck, Bookstore)
  • Priority: get to Portia at Villa stage before sinking serious cash. The 15% Investment Savvy discount on a $50,000 Private Island purchase = $7,500 saved per level. The earlier you have the skill, the more it saves.
  • Daily income: $50–150/day
  • Start running Broker shifts once Commerce hits 30 — feeds the wealth into more investments

Late Game (Day 50+)

  • Push into the big-ticket investments ($10k–$1M+)
  • Max Banking ($300k Level 1, Low-risk) — it's the biggest reliable Low-risk in the game
  • Consider High-risk for the upside (Space Mining maxed = ~$300k/day base, average)
  • Daily income: $500–5,000+ in mid-late, $20,000–100,000+ in true endgame
  • Combined with maxed Brothel + Broker shifts, money stops being a constraint

Strategy Notes

  • Earnings only calculate when you visit. Coming back after 30 real-world days gives you 30 days of payout in one cash-out — there's no "must check in daily" pressure.
  • No collection penalty, no urgency. You can let pending earnings sit forever or collect every visit. Whatever fits your playstyle.
  • Investment Savvy is the single highest-ROI skill in the game for wealth. 15% off forever, on a portfolio that will eventually total millions, is worth dropping a romance arc on Portia even if she's not your type. Some players prioritize Portia early purely for this.
  • High-risk averages the same payout as Low-risk over time. If you can stomach $0 days, the math works out. If you need predictable income (e.g. you have brothel maid wages that auto-deduct), stick with Low-risk for your foundation and add High-risk on top.
  • The Broker shift is the best work job in the game — but only if you build for it. Charm + Communication + Commerce + Intelligence all feeding the formula means you can't dump-stat anything. A balanced build pays off massively here.
  • Sleeping passes 8 hours. Sleep, wake up, collect. Sleep, wake up, collect. Investments accrue while you do other things.
  • Keep an eye on the COLLECT button color. It's grey when there's nothing to collect, green when there is. If it's green and big, walk into the office.
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