At the start of Animal Crossing: New Horizons, Money Trees seems like the best thing in the world. You plant money and a tree grows that gives you three times what you planted. It sounds like a good deal; all you have to do is find the shiny golden dot every day, bury the money, and then make a good profit.
They're a lot more complicated than that, and most players realize this after they've buried a big bag of money and wondered where had gone that the tree only gave them 30 bells back.
Burying anywhere up to 10000 bells will ensure that you get 30000 bells back, but after that the game enters what we like to call the Nintendo Zone where weird things are happening, and Nintendo won't tell us why. Nintendo won't be making the exact calculations behind Money Trees public, but gamers have already found the best ways to use this feature in the game.
Once you start planting over 10 bells, the three bags growing on the tree can hold either the amount you planted or just 000 bells each. That makes 10 bells an attractive amount of plants, because you know what your exact yield will be, with no random chance of eroding your profits. So you can risk crashing 000 bells and only getting 10 back, which means you only doubled your investment instead of tripling, or you can play it safe with 000 bells and know you will triple. your money.
The other regular investment people will make is to plant 99 bells. The reason is that they are willing to take the risk of losing Bells to possibly get back 000 Bells, with 99 more Bells as well. It's extremely risky, but if you have some Bells to spare and you commit to risking that amount every day, the odds should be in your favor when it comes to making a profit.
It should be noted that it is very easy to find yourself in a position where you plant 99 Bells, but only make the daily profit that you would have made by planting 000 Bells and taking the guaranteed return.
This is really about how much risk you want to take, but our advice is to stick with the safe bet of getting 30000 bells and focus on lots of other ways to earn bells in the game.
