QQQ+18.0%|
VTI+13.5%|
VOO+13.2%|
SCHD+12.0%|
QQQ+18.0%|
VTI+13.5%|
VOO+13.2%|
SCHD+12.0%|
QQQ+18.0%|
VTI+13.5%|
VOO+13.2%|
SCHD+12.0%|
QQQ+18.0%|
VTI+13.5%|
VOO+13.2%|
SCHD+12.0%|
QQQ+18.0%|
VTI+13.5%|
VOO+13.2%|
SCHD+12.0%|
QQQ+18.0%|
VTI+13.5%|
VOO+13.2%|
SCHD+12.0%|
FREE ETF SAVINGS PLAN · STARTS FROM $50/MONTH

Your money growing
while you sleep.

Put in $100/month. After 10 years your portfolio generates +$1,755 every single year on its own — phone bill, car insurance, and all your subscriptions, covered. Without selling a single share.

We build your personalised ETF plan. You contribute from $50/month.

Build my free ETF plan →How does it work?

Free forever · No credit card · 2 min setup

💡 New to ETFs? Think of them as a basket containing 500 companies at once. Apple, Amazon, Google — all in one purchase. The market grows your money instead of a bank taking it.

THE NUMBERS DON'T LIE

What happens if you invest
$100 every month?

Not a one-time investment — $100 every month, consistently. Here's where you end up.

5 years
10 years
20 years
Regular savings account
0.5% avg annual
$6,077
$12,308
$26,112
High-yield savings
4.5% avg annual
$6,740
$15,177
$38,241
Conservative ETF plan
~5.5% avg annual
$6,920
$16,024
$43,916
Balanced ETF plan
~9% avg annual
$7,599
$19,497
$67,290
Aggressive ETF plan
~16% avg annual
$9,225
$30,860
$149,352

Based on historical averages · Past performance ≠ future results · Not financial advice

Get my personalised plan →
WHY IT WORKS

This isn't gambling. It's structured saving.

🏦
Not gambling — it's structured saving
ETFs hold hundreds of companies at once. If one fails, others cover it. It's the opposite of betting on a single stock.
📈
Historically beats inflation every year
The S&P 500 has averaged 10–13% annually for decades. Inflation is 2–3%. ETFs are one of the few ways to actually grow your money in real terms.
🔒
Low fees, fully regulated
Broad market ETFs charge as little as 0.03%/year. That's $0.30 per $1,000. Compared to managed funds that take 1–2%, you keep almost everything you earn.
⏰
Set it once, grow every month
You don't need to watch the market. Buy once a month, hold. Our engine picks the ETFs — you just contribute and let time do the work.
YOUR PASSIVE INCOME FORECAST

When does your money
start working for you?

How much can you put aside each month?

3 years
$3,600 invested total
GENERATES ANNUALLY
+$373/yr
💡 Netflix + Spotify + gym
5 years
$6,000 invested total
GENERATES ANNUALLY
+$684/yr
💡 your phone bill paid every year
10 years
$12,000 invested total
GENERATES ANNUALLY
+$1,755/yr
💡 phone bill + car insurance paid every year

🎯 At ~7.8 years your portfolio generates more per year than you put in — your money earns your contribution back, every year, automatically.

Balanced plan · ~9%/yr target · Historical avg · Not a guarantee

Start building passive income →
THREE RISK LEVELS

Pick the plan that fits you

All three beat a regular savings account. Conservative is the closest to "risk-free."

🛡️
Conservative
~5%/yr
Similar to a high-yield savings, but slightly better. Bonds + dividend stocks.
Very Low risk
⚖️
Balanced
~9%/yr
The sweet spot. Steady growth, manageable risk. Our most popular plan.
Low–Med risk
🚀
Aggressive
12%+/yr
Growth-focused. Higher upside but more volatility month to month.
Medium risk
See which plan fits me →
WHAT'S IN YOUR PLAN

ETFs scored daily. Best ones picked for you.

Our engine runs every market close — allocations update based on real momentum data.

QQQMed
Nasdaq-100
+18.0%/yr
10yr avg return
VTILow
Total Market
+13.5%/yr
10yr avg return
VOOLow
S&P 500
+13.2%/yr
10yr avg return
SCHDLow
Dividends
+12.0%/yr
10yr avg return

Showing 4 of the best-performing tracked ETFs · Updated at NYSE open & close

Daily
ETF scoring engine
$50
Minimum to start
50yr+
of S&P 500 data
Free
No credit card needed
WHAT YOU GET WHEN YOU SIGN UP

Everything you need.
Nothing you don't.

Free account. Your personalised ETF plan in 2 minutes. Here's exactly what's inside.

01 · YOUR PLAN

A personalised ETF plan, updated every month

Tell us your monthly amount and risk level. We score 42 ETFs daily and tell you exactly which ones to buy.

YOUR PLAN
⚖️ Balanced
~9%/yr target
MONTHLY
$100
VOO$40
VTI$25
QQQ$25
SCHD$10
02 · MONTHLY REMINDER

Email on the 1st of every month

"Time to invest! Here's what to buy this month." We send the picks, you execute in 5 minutes.

📧
ETF.PLAN
⏰ April — your ETF picks are ready
Your Balanced plan picks for April: VOO $40 · VTI $25 · QQQ $25 · SCHD $10
03 · PORTFOLIO TRACKER

Watch your money grow month by month

Every month is tracked. See your real gains, allocation breakdown and portfolio growth chart.

Invested
$600
Value
$638
Gain
+6.3%
04 · MARKET NEWS

Daily ETF & market news

Fresh headlines every day from Yahoo Finance — only what matters for ETF investors.

This Schwab ETF yields more than most savings accounts
Goldman Sachs resets S&P 500 price target
VONG vs QQQ: which growth ETF is the better buy?
05 · STOCK OF THE MONTH

Best performer, explained simply

Every month we auto-select the best performing S&P 500 stock and explain why it matters.

NVDA
Nvidia Corporation
$875
+18.2% MTD
The dominant AI chip maker. Powers ChatGPT, Gemini and every major AI model.
06 · LEARNING LIBRARY

Guides for complete beginners

Everything you need to go from zero to investor — step by step, in plain English.

🧭What are ETFs?
→
⚖️Picking your risk level
→
🏦Which platform to use
→
📈Dollar-cost averaging
→
Get everything free →

Free forever · No credit card · 2 min setup

BEFORE YOU INVEST

New to ETFs? Read this first.

What they are, why they beat savings accounts, and exactly where to open an account — in plain English.

📚
Read guide →
COMMON QUESTIONS

Got questions? We've got answers.

What is an ETF and why should I invest in one?
An ETF (Exchange-Traded Fund) is a basket of hundreds of stocks or bonds that you buy as a single investment. When you buy VOO, for example, you instantly own a tiny slice of Apple, Microsoft, Amazon, Google and 496 other companies. One purchase, instant diversification, minimal fees — that's why millions of people use ETFs as their primary savings vehicle.
How much money do I need to start investing in ETFs?
As little as $50/month. Most brokers like eToro and Robinhood allow fractional shares, so you don't need to buy a full share. ETF.PLAN is built specifically for people saving $50, $100, or $150 per month.
Is my money safe with ETF.PLAN?
Your money never touches ETF.PLAN — we don't hold any funds. You invest directly through your own brokerage account (Robinhood, eToro, Interactive Brokers, etc.) which is regulated and insured. We only provide the strategy and track what you tell us you bought.
Can I lose money investing in ETFs?
Any investment can go down in the short term. However, the S&P 500 has never produced a negative return over any 10-year period in history. The longer you hold, the more risk reduces. Our Balanced plan targets ~9% annually — a historical average, not a guarantee.
Which broker should I use to buy ETFs?
ETF.PLAN works with any broker. For beginners we recommend eToro (available globally including Europe and Latin America) or Robinhood (US only). Both are free to open, commission-free for ETFs, and support fractional shares so you can start with any amount.
How often do the ETF picks change?
Our scoring engine runs every market day at open (9:30 AM ET) and close (4:05 PM ET). It evaluates 55 ETFs on momentum, 52-week trend, and 5-year CAGR. Your picks update when the data changes meaningfully — typically staying stable for weeks at a time, rotating when market conditions shift.

Every year you wait
costs you ~$18,000.

Starting at 25 vs 35 with $100/month — the difference compounds to $180,000. The best time was 10 years ago. The second best time is today.

Build my free ETF plan →

Not financial advice · Past performance ≠ future results