Banking - Revision history

VxMac: Bank is open; link the new Stock market guide

2026-06-12T02:20:38Z

Bank is open; link the new Stock market guide

← Older revision		Revision as of 02:20, 12 June 2026
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	{{Notice\|The Central Bank is '''~~not yet~~ open'''~~. Savings~~, bonds, and stocks are ~~installed on the server and will be enabled after final testing~~. ~~This~~ page ~~describes~~ how the ~~bank will~~ work ~~and the account terms that apply from your first deposit~~.}}		{{Notice\|The Central Bank is '''open''' — savings, bonds, and stocks are all live. New to investing? The [[Stock market]] page is a full course: how the Prosperity Index works, how to read it like a trader, and how real-world markets work.}}

	Bank news - daily market closes, the weekly bank summary, and any rate changes - is posted to the Discord <code>#market-news</code> channel.		Bank news - daily market closes, the weekly bank summary, and any rate changes - is posted to the Discord <code>#market-news</code> channel.
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	=== Stocks ===		=== Stocks ===
			''Main article: [[Stock market]]''

	The Prosperity Index moves '''every hour''' - the same move for every investor, with days that can swing several percent in either direction. The official '''daily close''' (the net of the day's hourly moves) is posted to Discord at 4 AM and shown in <code>/stocks status</code> alongside the live day-so-far number; the week's net move is announced in chat at the weekly close. The market runs hot and cold: bull runs can stack double-digit weekly gains, and corrections or crashes can wipe gains back out just as fast. Over the long run the index is built to grow with the server's economy.		The Prosperity Index moves '''every hour''' - the same move for every investor, with days that can swing several percent in either direction. The official '''daily close''' (the net of the day's hourly moves) is posted to Discord at 4 AM and shown in <code>/stocks status</code> alongside the live day-so-far number; the week's net move is announced in chat at the weekly close. The market runs hot and cold: bull runs can stack double-digit weekly gains, and corrections or crashes can wipe gains back out just as fast. Over the long run the index is built to grow with the server's economy.

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	== See also ==		== See also ==
			* [[Stock market]] - the full investing guide, from chart reading to how real markets work
	* [[Economy]] - server economy overview		* [[Economy]] - server economy overview
	* [[Commands]] - full command reference		* [[Commands]] - full command reference

Maintenance script: Taxes on bank money: CGT at source; flex savings counts toward wealth tax from June 18; bonds/stocks exempt

2026-06-11T09:32:34Z

Taxes on bank money: CGT at source; flex savings counts toward wealth tax from June 18; bonds/stocks exempt

← Older revision		Revision as of 09:32, 11 June 2026
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	''Questions about your account? Ask staff - we're happy to help.''		''Questions about your account? Ask staff - we're happy to help.''

			== Taxes on bank money ==
			* '''Interest and gains are taxed at source''' — 10% on bond interest and 15% on realized stock gains, withheld automatically when you're paid. Your deposits and principal are never taxed.
			* '''Wealth tax:''' from '''June 18''', money in your flexible savings account counts toward the wealth-tax bracket exactly like wallet cash (it's instant-access money). '''Bonds and stocks do not count''' — invested money is taxed on its gains, not for being held.
			* The wealth tax is only ever charged from wallet cash — nothing is ever force-sold.

	== See also ==		== See also ==

Maintenance script: Stocks: beginner market-reading tips section

2026-06-11T08:45:48Z

Stocks: beginner market-reading tips section

← Older revision		Revision as of 08:45, 11 June 2026
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	=== Stocks ===		=== Stocks ===
	The Prosperity Index moves '''every hour''' - the same move for every investor, with days that can swing several percent in either direction. The official '''daily close''' (the net of the day's hourly moves) is posted to Discord at 4 AM and shown in <code>/stocks status</code> alongside the live day-so-far number; the week's net move is announced in chat at the weekly close. The market runs hot and cold: bull runs can stack double-digit weekly gains, and corrections or crashes can wipe gains back out just as fast. Over the long run the index is built to grow with the server's economy. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' hourly move, so there are no free instant gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.		The Prosperity Index moves '''every hour''' - the same move for every investor, with days that can swing several percent in either direction. The official '''daily close''' (the net of the day's hourly moves) is posted to Discord at 4 AM and shown in <code>/stocks status</code> alongside the live day-so-far number; the week's net move is announced in chat at the weekly close. The market runs hot and cold: bull runs can stack double-digit weekly gains, and corrections or crashes can wipe gains back out just as fast. Over the long run the index is built to grow with the server's economy.

			=== Reading the market (beginner tips) ===
			You don't need spreadsheets to do well here. <code>/stocks</code> shows the index level, a 24-hour mini-chart, the last seven daily closes, and any current streak — and the daily close posts to Discord every morning. A few patterns cover most of what matters:

			* '''Streaks are real.''' Several green closes in a row usually means a run — riding it has been profitable. Runs always end eventually, so take some profit on the way up.
			* '''Crashes happen.''' A violent red day is often followed by more rough days. Stepping out for a day or two after a big drop — or buying the recovery once it stabilizes — are both real strategies.
			* '''Buying the dip beats panic-selling the bottom.''' The players who lose the most buy the top of a run and sell the bottom of a crash. Over the long run the index grows with the server.
			* '''Never invest money you need tomorrow.''' Rent, food, and gear come first; invest what's left.

			Full price charts are coming to the [https://economy.prosperitysmp.com economy website], where classic chart patterns (double bottoms, breakouts, and the like) will actually be visible — the skills you learn reading them work the same way here as in real markets. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' hourly move, so there are no free instant gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.

	Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.		Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

Maintenance script: Stocks: volatility framing (bull runs and crashes), drop fixed average claim

2026-06-11T08:39:56Z

Stocks: volatility framing (bull runs and crashes), drop fixed average claim

← Older revision		Revision as of 08:39, 11 June 2026
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	\| 7-day bond \|\| 1.5% per week, locked in when you buy \|\| None \|\| Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty		\| 7-day bond \|\| 1.5% per week, locked in when you buy \|\| None \|\| Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
	\|-		\|-
	\| Stocks (Prosperity Index) \|\| ~~~+3.2% per week on average~~ (the market moves every hour) \|\| Can lose value on a ~~down day~~ \|\| Buy and sell any time		\| Stocks (Prosperity Index) \|\| Volatile — big bull runs and real crashes (the market moves every hour) \|\| Can lose value fast in a downturn \|\| Buy and sell any time
	\|}		\|}

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	=== Stocks ===		=== Stocks ===
	The Prosperity Index moves '''every hour''' - the same move for every investor, with days that can swing several percent in either direction. The official '''daily close''' (the net of the day's hourly moves) is posted to Discord at 4 AM and shown in <code>/stocks status</code> alongside the live day-so-far number; the week's net move is announced in chat at the weekly close. ~~About half of days are flat~~ or ~~down, but over time~~ the index is built to grow with the server's economy~~, averaging roughly +3.2% per week~~. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' hourly move, so there are no free instant gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.		The Prosperity Index moves '''every hour''' - the same move for every investor, with days that can swing several percent in either direction. The official '''daily close''' (the net of the day's hourly moves) is posted to Discord at 4 AM and shown in <code>/stocks status</code> alongside the live day-so-far number; the week's net move is announced in chat at the weekly close. The market runs hot and cold: bull runs can stack double-digit weekly gains, and corrections or crashes can wipe gains back out just as fast. Over the long run the index is built to grow with the server's economy. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' hourly move, so there are no free instant gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.

	Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.		Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

Maintenance script: Stocks now move hourly; daily close remains the official announcement

2026-06-11T08:03:00Z

Stocks now move hourly; daily close remains the official announcement

← Older revision		Revision as of 08:03, 11 June 2026
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	\| 7-day bond \|\| 1.5% per week, locked in when you buy \|\| None \|\| Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty		\| 7-day bond \|\| 1.5% per week, locked in when you buy \|\| None \|\| Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
	\|-		\|-
	\| Stocks (Prosperity Index) \|\| ~+3.2% per week on average (~~daily~~ moves~~, −8% to +10% per day~~) \|\| Can lose value on a down day \|\| Buy and sell any time		\| Stocks (Prosperity Index) \|\| ~+3.2% per week on average (the market moves every hour) \|\| Can lose value on a down day \|\| Buy and sell any time
	\|}		\|}

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	=== Stocks ===		=== Stocks ===
	The Prosperity Index moves '''~~once per day~~''' - the same move for every investor, ~~between roughly~~ '''~~−8% and +10%~~''' ~~in a single~~ day~~. Daily closes are~~ posted to Discord and shown in <code>/stocks status</code>; the week's net move is announced in chat at the weekly close. About half of days are flat or down, but over time the index is built to grow with the server's economy, averaging roughly +3.2% per week. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' ~~daily close~~, so there are no free ~~same-day~~ gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.		The Prosperity Index moves '''every hour''' - the same move for every investor, with days that can swing several percent in either direction. The official '''daily close''' (the net of the day's hourly moves) is posted to Discord at 4 AM and shown in <code>/stocks status</code> alongside the live day-so-far number; the week's net move is announced in chat at the weekly close. About half of days are flat or down, but over time the index is built to grow with the server's economy, averaging roughly +3.2% per week. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' hourly move, so there are no free instant gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.

	Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.		Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.
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	=== 3b. Stocks ===		=== 3b. Stocks ===
	* Stock positions are revalued ~~daily~~ by the shared market move - the same percentage for every investor. '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.		* Stock positions are revalued hourly by the shared market move - the same percentage for every investor. '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.
	* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.		* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
	* There is no lock-in: you can sell any part of your position at its current value at any time.		* There is no lock-in: you can sell any part of your position at its current value at any time.

Maintenance script: Fix table cell: pipe in amount|all escaped

2026-06-10T22:47:18Z

Fix table cell: pipe in amount|all escaped

← Older revision		Revision as of 22:47, 10 June 2026
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	\| <code>/stocks invest <amount></code> \|\| Buy into the Prosperity Index		\| <code>/stocks invest <amount></code> \|\| Buy into the Prosperity Index
	\|-		\|-
	\| <code>/stocks sell <amount\|all></code> \|\| Sell back to your wallet at the current value		\| <code>/stocks sell <amount\|all></code> \|\| Sell back to your wallet at the current value
	\|-		\|-
	\| <code>/stocks status</code> \|\| Your position and last week's market close		\| <code>/stocks status</code> \|\| Your position and last week's market close

Maintenance script: Banking v1.7: capital gains tax (10% bond interest, 15% realized stock gains)

2026-06-10T22:37:58Z

Banking v1.7: capital gains tax (10% bond interest, 15% realized stock gains)

Maintenance script: Bank news channel: #market-news

2026-06-10T22:07:08Z

Bank news channel: #market-news

← Older revision		Revision as of 22:07, 10 June 2026
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	{{Notice\|The Central Bank is '''not yet open'''. Savings, bonds, and stocks are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}		{{Notice\|The Central Bank is '''not yet open'''. Savings, bonds, and stocks are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

	Bank news - daily market closes, the weekly bank summary, and any rate changes - is posted to the Discord ~~announcements~~ channel.		Bank news - daily market closes, the weekly bank summary, and any rate changes - is posted to the Discord <code>#market-news</code> channel.

	The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.		The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.

Maintenance script: Banking v1.6: untiered stocks, wider daily range, Discord bank news

2026-06-10T21:55:46Z

Banking v1.6: untiered stocks, wider daily range, Discord bank news

← Older revision		Revision as of 21:55, 10 June 2026
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	{{Notice\|The Central Bank is '''not yet open'''. Savings and ~~bonds~~ are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}		{{Notice\|The Central Bank is '''not yet open'''. Savings, bonds, and stocks are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

			Bank news - daily market closes, the weekly bank summary, and any rate changes - is posted to the Discord announcements channel.

	The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.		The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.
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	\| 7-day bond \|\| 1.5% per week, locked in when you buy \|\| None \|\| Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty		\| 7-day bond \|\| 1.5% per week, locked in when you buy \|\| None \|\| Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
	\|-		\|-
	\| Stocks (Prosperity Index) \|\| ~+2.8% per week on average (daily moves) \|\| Can lose value on a down day \|\| Buy and sell any time		\| Stocks (Prosperity Index) \|\| ~+3.2% per week on average (daily moves, −8% to +10% per day) \|\| Can lose value on a down day \|\| Buy and sell any time
	\|}		\|}

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	=== High-yield tiers ===		=== High-yield tiers ===
	Large accounts earn '''multiplied rates'''. Your tier is set by your total account balance - flexible savings, bond, and stocks combined. It applies to weekly savings interest, to the rate locked into new or auto-renewed bonds~~, and it '''amplifies your stock market swing in both directions''' - so stocks out-earn bonds in the long run at every tier, with risk to match~~.		Large accounts earn '''multiplied rates''' on savings and bonds. Your tier is set by your total account balance - flexible savings, bond, and stocks combined. It applies to weekly savings interest and to the rate locked into new or auto-renewed bonds.

	{\| class="wikitable"		{\| class="wikitable"
	\|-		\|-
	! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond ~~!! Stock swing~~		! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond
	\|-		\|-
	\| Standard \|\| under $50,000 \|\| 1× \|\| 1%/week \|\| 1.5%/week ~~\|\| 1× the market~~		\| Standard \|\| under $50,000 \|\| 1× \|\| 1%/week \|\| 1.5%/week
	\|-		\|-
	\| High-Yield \|\| $50,000+ \|\| 4× \|\| 4%/week \|\| 6%/week ~~\|\| 4× the market (up AND down)~~		\| High-Yield \|\| $50,000+ \|\| 4× \|\| 4%/week \|\| 6%/week
	\|-		\|-
	\| Private Reserve \|\| $150,000+ \|\| 8× \|\| 8%/week \|\| 12%/week ~~\|\| 8× the market (up AND down)~~		\| Private Reserve \|\| $150,000+ \|\| 8× \|\| 8%/week \|\| 12%/week
	\|}		\|}

			Tiers apply to savings and bonds only — '''the stock market is the same for everyone''', whatever your balance.

	Check your tier with <code>/savings balance</code>.		Check your tier with <code>/savings balance</code>.
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	=== Stocks ===		=== Stocks ===
	The Prosperity Index moves '''once per day''' - ~~everyone shares~~ the same ~~market~~, and the week's net move is announced in chat at the weekly close ~~(daily closes show in <code>/stocks status</code>)~~. ~~Most~~ days are up, ~~some are down;~~ over time the index is built to grow with the server's economy, averaging roughly +2.8% per week ~~at the standard tier - the best long-run return in the bank, ahead of bonds. High-yield tiers ride a 4× or 8× version of every daily move, up and down~~. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' daily close, so there are no free same-day gains. Positions can shrink on a ~~down~~ day - never invest cash you cannot afford to see dip.		The Prosperity Index moves '''once per day''' - the same move for every investor, between roughly '''−8% and +10%''' in a single day. Daily closes are posted to Discord and shown in <code>/stocks status</code>; the week's net move is announced in chat at the weekly close. About half of days are flat or down, but over time the index is built to grow with the server's economy, averaging roughly +3.2% per week. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' daily close, so there are no free same-day gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.

	Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.		Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.
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	=== 3b. Stocks ===		=== 3b. Stocks ===
	* Stock positions are revalued daily by the shared market move ~~(amplified by your account tier)~~. '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.		* Stock positions are revalued daily by the shared market move - the same percentage for every investor. '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.
	* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.		* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
	* There is no lock-in: you can sell any part of your position at its current value at any time.		* There is no lock-in: you can sell any part of your position at its current value at any time.

Maintenance script: Banking v1.5: daily market ticks + tier-scaled stock swings

2026-06-10T21:45:44Z

Banking v1.5: daily market ticks + tier-scaled stock swings

← Older revision		Revision as of 21:45, 10 June 2026
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	\| 7-day bond \|\| 1.5% per week, locked in when you buy \|\| None \|\| Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty		\| 7-day bond \|\| 1.5% per week, locked in when you buy \|\| None \|\| Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
	\|-		\|-
	\| Stocks (Prosperity Index) \|\| ~+2.3% per week on average \|\| Can lose value in a down ~~week~~ \|\| Buy and sell any time		\| Stocks (Prosperity Index) \|\| ~+2.8% per week on average (daily moves) \|\| Can lose value on a down day \|\| Buy and sell any time
	\|}		\|}

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	=== High-yield tiers ===		=== High-yield tiers ===
	Large accounts earn '''multiplied rates'''. Your tier is set by your total account balance - flexible savings, bond, and stocks combined ~~- and~~ applies to weekly savings interest ~~and~~ to the rate locked into new or auto-renewed bonds~~. (Stock returns are~~ market-~~driven and are not multiplied~~.)		Large accounts earn '''multiplied rates'''. Your tier is set by your total account balance - flexible savings, bond, and stocks combined. It applies to weekly savings interest, to the rate locked into new or auto-renewed bonds, and it '''amplifies your stock market swing in both directions''' - so stocks out-earn bonds in the long run at every tier, with risk to match.

	{\| class="wikitable"		{\| class="wikitable"
	\|-		\|-
	! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond		! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond !! Stock swing
	\|-		\|-
	\| Standard \|\| under $50,000 \|\| 1× \|\| 1%/week \|\| 1.5%/week		\| Standard \|\| under $50,000 \|\| 1× \|\| 1%/week \|\| 1.5%/week \|\| 1× the market
	\|-		\|-
	\| High-Yield \|\| $50,000+ \|\| 4× \|\| 4%/week \|\| 6%/week		\| High-Yield \|\| $50,000+ \|\| 4× \|\| 4%/week \|\| 6%/week \|\| 4× the market (up AND down)
	\|-		\|-
	\| Private Reserve \|\| $150,000+ \|\| 8× \|\| 8%/week \|\| 12%/week		\| Private Reserve \|\| $150,000+ \|\| 8× \|\| 8%/week \|\| 12%/week \|\| 8× the market (up AND down)
	\|}		\|}

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	=== Stocks ===		=== Stocks ===
	The Prosperity Index moves '''once per ~~week~~''' - everyone shares the same market week, announced in chat at the weekly close. Most ~~weeks~~ are up, some are down; over time the index is built to grow with the server's economy, averaging roughly +2.3% per week - the best long-run return in the bank, ahead of bonds. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''~~following~~''' ~~week's~~ close, so ~~you cannot buy in the night before a close for a~~ free ~~week~~. Positions can shrink in a down ~~week~~ - never invest cash you cannot afford to see dip.		The Prosperity Index moves '''once per day''' - everyone shares the same market, and the week's net move is announced in chat at the weekly close (daily closes show in <code>/stocks status</code>). Most days are up, some are down; over time the index is built to grow with the server's economy, averaging roughly +2.8% per week at the standard tier - the best long-run return in the bank, ahead of bonds. High-yield tiers ride a 4× or 8× version of every daily move, up and down. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' daily close, so there are no free same-day gains. Positions can shrink on a down day - never invest cash you cannot afford to see dip.

	Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.		Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.
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	=== 3b. Stocks ===		=== 3b. Stocks ===
	* Stock positions are revalued ~~weekly~~ by the shared market move. '''Values go down as well as up''' - a down ~~week~~ reduces your position, and that reduction is final.		* Stock positions are revalued daily by the shared market move (amplified by your account tier). '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.
	* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.		* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
	* There is no lock-in: you can sell any part of your position at its current value at any time.		* There is no lock-in: you can sell any part of your position at its current value at any time.

← Older revision		Revision as of 22:37, 10 June 2026
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	* The full rate applies to your entire balance - there are no balance caps.		* The full rate applies to your entire balance - there are no balance caps.
	* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.		* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.
			* '''Capital gains tax:''' bond interest pays net of a '''10%''' tax, and realized stock gains are taxed '''15%''' when you sell. Your deposits and principal are never taxed. Tax proceeds flow back into the bank's interest pool.
	* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.		* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

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	* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).		* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
	* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term.		* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term. Interest is paid net of the 10% capital gains tax.
	* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.		* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
	* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.		* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.
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	* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.		* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
	* There is no lock-in: you can sell any part of your position at its current value at any time.		* There is no lock-in: you can sell any part of your position at its current value at any time.
			* '''Realized gains are taxed 15% at sale''', measured against what you originally paid in. Selling at or below your cost basis is never taxed.

	=== 4. Exploited, duplicated, or mistakenly-credited money ===		=== 4. Exploited, duplicated, or mistakenly-credited money ===