You invest in a bank, business, or other enterprise. This could be legitimate, such as helping a friend open their new shop or funding a vessel along a trading route, or it could be shady, like paying a share to be involved behind the scenes with a criminal organization. First, decide how much gold you want to put into this venture. You will then determine the percentage it will earn in interest, choosing between 1 and 10 per cent or by rolling 1d10. Every Downtime, your investment accrues money based on its interest rate, but it also runs the risk of failing entirely. Roll 1d100 — if you roll equal to or less than the interest rate, your venture has gone bankrupt, and you lose all invested money. You can add money into this investment pot with another use of the Invest Downtime Activity at the same interest rate or withdraw some or all of the money without needing to use a Downtime Activity. Bear in mind that this sort of rapid withdrawal of funds might well have narrative consequences, as the criminal organization decides to take you out, the banking system teeters on the brink of collapse as your withdrawal of funds precipitates a rush on the banks, or the business suddenly has to contend with predatory groups trying to intimidate them out of the market. #money ## A Rise in Interest As a GM, seeing a character take an interest in businesses is an excellent way of introducing plots that the characters are motivated to go and investigate. For instance, if a player has invested in a trade caravan, you can prompt them to follow their trail when they didn’t show up to make back some of their money. This mission could kick-start the next leg of their adventure in an organic way.