ETF savings, run with discipline
Build solid savings with ETFs
in five minutes a month
Team-ETF picks a team of ETFs every month — offensive ones when markets rise, defensive ones when they turn — and sends you the list of what to hold. You place the orders in your own securities account. No expertise needed, no money handed over.
Capital at risk. ETFs can fall as well as rise.
Why ETFs
Don’t look for the needle in the haystack. Buy the haystack.
John Bogle, founder of Vanguard, launched the first index fund in 1974 on that idea. An ETF lets you own a whole basket — an index, a sector, bonds, gold — in a single line, for a fraction of the cost of picking stocks. Savings accounts and life insurance barely keep pace with inflation; property and stock-picking are a job in themselves. ETFs are the accessible middle ground, provided you have a method for choosing and holding them.
- Accessible from a modest starting capital
- Low fees, so more of the performance stays yours
- Risk diluted across many holdings instead of one bet
- Dividends flow back into the value of the fund
The method
Become the best selector in the market
Think of a football team. On one bench, offensive ETFs built to capture growth: technology, software, semiconductors, innovation. On the other, defensive ETFs built to hold up when the economy retreats: government and corporate bonds, commodities, gold. Team-ETF only recruits from the first division — liquid, established, affordable funds that pass five selection criteria.
Every month, each ETF is ranked on its performance over the past twelve months — its momentum. Four “canary” ETFs then read the health of the market and set the tactical scheme: how much of the portfolio plays in attack, how much in defense. The result is a target allocation, and a short list of what to buy and sell.
The tactical scheme
Four canaries decide how much attack, how much defense
Miners took canaries underground because the bird reacted to gas before they did. Team-ETF watches four broad ETFs — corporate bonds, developed-market equities, emerging equities, US bonds — through a weighted momentum score. Each one that turns negative moves a quarter of the portfolio from attack to defense.
How the canaries work Questions? Read the FAQ-
Level 1
0 canaries negative — 100% attack
Markets are healthy across the board. The whole portfolio is spread over the eight best-ranked offensive ETFs.
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Level 2
1 canary negative — 75% attack, 25% defense
A first warning. A quarter of the portfolio moves to the best-ranked defensive ETF.
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Level 3
2 canaries negative — 50% attack, 50% defense
The market is turning. Half the portfolio sits in the two best defensive ETFs.
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Level 4
3 canaries negative — 25% attack, 75% defense
Mostly sheltered. Three defensive ETFs carry three quarters of the portfolio.
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Level 5
4 canaries negative — 100% defense
Full retreat. The portfolio holds only the four best-ranked defensive ETFs until the canaries recover.
Projection
What could regular saving build?
Pick a starting amount, a monthly contribution, a horizon and an assumed annual rate — the curve shows what steady contributions compound into. The rate is yours to set: it is an assumption, not a forecast.
Projected value
Illustrative calculation at a constant annual rate you choose. It is not a forecast, not a simulation of the Team-ETF strategy, and no indication of future results. Figures are gross of taxes and fees. Capital at risk.
5 min
of your time each month
€1,000
starting capital, in your own account
1×/month
ranking and rebalancing
24h
to answer your questions
How it works
A turnkey strategy in three steps
Your money never leaves your own securities account. Team-ETF sends you the team sheet; you place the orders.
Get started Need help?-
Step 1Sign up
Subscribe to Team-ETF and tell us which market and wrapper you invest through. We answer within 24 hours and walk you through the set-up on a video call if you like.
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Step 2Open a securities account
At Interactive Brokers or Swissquote, or at your own bank after comparing fees. Deposit your starting capital — from €1,000 — and, ideally, set up a monthly transfer.
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Step 3Five minutes a month
Once a month you receive the list of ETFs to hold, with quantities. Enter your portfolio value, sell what leaves the team, adjust the rest. That is the whole job.
Our DNA
Three pillars for ETF saving without compromise
A documented method, open to everyone: your capital under your control, every monthly decision explained, and no technical barrier to entry. Investing in ETFs finally becomes simple, transparent and disciplined.
Discover the strategy
Security
Your money stays under your control
Your capital sits in your own securities account, at a broker you choose. Team-ETF never holds client funds and never places orders on your behalf. You can stop at any time — nothing is locked.
Transparency
No black box, everything is explained
The selection criteria, the momentum ranking, the four canaries: the whole method is published on this site. Each month you see exactly which ETFs are in the team, at what weight, and why one left.
Accessibility
Invest in ETFs without being an expert
No need to follow the markets or understand 12,000 funds. Five minutes a month, from €1,000, in the account you already have. Our team supports you at every step, in plain language.
Need assistance?
Our team guides you every step of the way
From opening your securities account to your first monthly rebalancing, we are here. Video-call assistance, email support, an answer within 24 hours. You will never be on your own.
Contact us