Ghost of Tsushima Charm of Fortune is one of the charm upgrades you can get to augment Jin's abilities. There are two Charm of Fortune in the game, and they give you a bonus to percent abilities when equipped. Here's how to find the Charm of Fortunes in Ghost of Tsushima.
Ghost of Tsushima Charm of Fortune: Where to Find
You can find the Charm of Fortunes through side quests. The first quest is "Peace for the Divine" in Act 2, and the second is "Friends in Passing". You can access "Peace for the Divine" anytime while you're in Toyotama, but "Friends in Passing" is the eighth of nine Ishikawa quests. You won't be able to get the second charm until Act 3.
Look for the dead fox at the south of Old Toyotama Hills to start "Peace for the Divine". Getting through Ishikawa's quest line is straight forward enough. You'll talk to him at Jogaku Temple for "Friends in Passing".
Both Charm of Fortunes do the same thing, they're just numbered. Charm of Fortune gives you a 50 percent bonus to trigger an ability that happens on a percent chance. The description is confusing, as the Charm of Fortune is multiplicative where other charms in the game stack additively.
For example, the Ghost Armor gives you a 30 percent chance to terrify enemies with a kill. With one Charm of Fortune, you get an additional 50 percent of 30, meaning it triggers 45 percent of the time. With two Charm of Fortune, it's 60 percent.
Charm of Fortune is most useful with armor or other Charms that have abilities with a high chance to trigger. Most of the time, you're better off stacking smaller percentages. Charm of Fortune really won't help things like Charm of Dual Destruction.