Rise of Kingdoms: How to Unlock and Spend the 96,000 Gem Growth Fund

To unlock the 96,000 gem Growth Fund bundle in Rise of Kingdoms, raise your account to VIP Level 5. The bundle costs $14.99 and distributes gems retroactively based on your City Hall level, paying out its full 96,000 gem total once your City Hall reaches Level 25. For the greatest long-term return, hold these gems until the recurring More Than Gems event, then spend them on VIP level milestones and Castle upgrades.

Growth Fund Value Comparison

The Growth Fund provides the highest gem-to-dollar return in Rise of Kingdoms. While standard shop bundles provide 250 gems per dollar without first-purchase bonuses, the Growth Fund provides over 6,400 gems per dollar.

Unlock Conditions and Payout Structure

You do not need to spend gems to reach the purchase prerequisite. You can attain VIP 5 for free by collecting daily login points and opening alliance gift chests.

Once unlocked, the bundle pays out in tiers as your City Hall advances:

• City Hall 5 to 14: Awards 1,000 to 2,500 gems per milestone to support early building and research queues.
• City Hall 15 to 21: Awards 3,000 to 7,500 gems per milestone to assist with mid-game tech and structure costs.
• City Hall 23 to 25: Delivers the largest payouts, finishing with a major lump sum at City Hall 25 that completes the 96,000 gem total.

Because milestone payouts are retroactive, purchasing the Growth Fund after reaching City Hall 25 lets you claim all 96,000 gems immediately from the event tab.

Priority Targets for Your Gems

Invest your gems into permanent account infrastructure that delivers ongoing, compounding returns rather than consumable speedups or resources.

1. VIP Level Thresholds (VIP 10, 12, and 14): Purchasing VIP points is the highest-value use of gems. VIP 10 awards one Universal Legendary Commander Sculpture each day. VIP 12 increases that daily payout to two sculptures, and VIP 14 increases it to three sculptures alongside army combat stat buffs.
2. Castle Upgrades (Books of Covenant): Castle Level 25 is required to unlock Academy 25 and begin Tier 5 (T5) troop research. Because Barbarian Forts yield Books of Covenant in small amounts, buying books in the shop with gems is the standard route to bypass months of grinding.

Event Timing: More Than Gems

Never spend large gem reserves during standard gameplay downtime. Wait for the recurring two-day More Than Gems event, which grants Universal Legendary Commander Sculptures, golden keys, and speedups when you reach set spending targets.

The optimal strategy splits spending across the event's two reset periods:

• Day 1: Spend 25,000 gems on VIP points or Books of Covenant to claim the daily top-tier reward of 13 legendary sculptures.
• Day 2: Spend another 25,000 gems on your next upgrade priority to claim a second set of 13 legendary sculptures.

Splitting 50,000 gems across both days yields 26 free legendary sculptures per event cycle. You can repeat this process across two separate event cycles to spend the bulk of your 96,000 gem reserve.

Traps and Inefficient Gem Sinks

To preserve account progress, avoid spending your Growth Fund payout on the following:

• Hospital Healing and Troop Training: Troops can be lost quickly in open-field battles and city rallies. Rely on alliance assists, hospital batch healing, and normal speedups rather than gems for war recovery.
• Overspinning the Wheel of Fortune: While spinning the wheel unlocks key commanders, rolling beyond the 10, 45, or 100 milestone chests provides diminishing returns for low- and mid-budget accounts. Stop at a supported milestone chest and save remaining gems for VIP and Castle goals.