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%|
PICKS UPDATED EVERY MARKET CLOSE · FREE FOREVER

$100/month today.
+$1,755/year — forever.

Put in $100/month for 10 years. Your portfolio generates over $1,755 every year on its own — that's your phone bill, your Netflix, your Spotify, and your gym membership. Paid. Every year. Without touching it.

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

Start saving smarter — free →How does it work?

Free forever · No credit card · 2 min setup

💡 Not sure what ETFs are? Think of them as savings accounts that automatically invest in 500 companies at once — instead of a bank keeping your money, the market grows 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.

Do I need a brokerage account?
Yes — ETF.PLAN tells you what to buy, but you execute the trades yourself on a platform like Robinhood, eToro, Interactive Brokers or Vanguard. All are free to open and commission-free for ETFs.
Is my money safe?
Your money never touches ETF.PLAN — we don't hold any funds. You invest directly through your brokerage which is regulated and insured. We only track what you tell us you bought.
Can I lose money?
Yes — any investment can go down short term. But over 10 years, the S&P 500 has never had a negative return on a 10-year hold. The ~9% balanced return is a historical average. The longer you hold, the safer it gets.
Why only $50, $100, or $150?
These amounts work cleanly with ETF allocations and are realistic for most people starting out. Once you're comfortable you can invest more — just pick the closest amount and adjust on your brokerage.
How is this free?
ETF.PLAN is currently 100% free. We plan to add optional premium features in the future, but the core plan will always be free.
How often do the ETF picks change?
Our scoring engine runs every market day at open and close. The picks update weekly — we rebalance based on momentum, stability and trend scores across 42 ETFs.

Stop saving less.
Start saving smarter.

Free account. No credit card. Your first plan in 2 minutes.

Create free account →

Not financial advice · Past performance ≠ future results