TOTY 2025 Investment Guide - Make Millions from Team of the Year

Team of the Year (TOTY) is the biggest event in FIFA Ultimate Team. Smart investors make millions during this period. This complete guide shows you how.

TOTY Timeline

Pre-TOTY Phase (Late December)

Market Behavior:

• Prices start dropping
• Anticipation builds
• Smart investors accumulate fodder

Action: Start buying 83-84 rated cards at discard

TOTY Hype (Early January)

Market Behavior:

• Massive pack opening
• Market crashes 30-50%
• Panic selling everywhere

Action: Buy meta players at lowest prices

TOTY Release (Mid-January)

Market Behavior:

• Fodder prices spike
• Icon SBCs released
• High demand for specific players

Action: Sell fodder for 2-3x profit

Post-TOTY Recovery (Late January)

Market Behavior:

• Market slowly recovers
• New normal prices established
• Opportunities for flipping

Action: Buy crashed meta players for February

Learn more about TOTY at EA Sports FC.

Investment Strategy #1: Fodder Stocking

What Is Fodder?

83-86 rated cards used in Icon and Player SBCs.

When to Buy

Best Time: December 15th - December 31st

Target Prices:

• 83 rated: 700-900 coins
• 84 rated: 900-1,200 coins
• 85 rated: 1,500-2,000 coins
• 86 rated: 2,500-3,500 coins

When to Sell

Best Time: TOTY release day + Icon SBC releases

Target Prices:

• 83 rated: 1,500-2,000 coins (75-125% profit)
• 84 rated: 2,200-2,800 coins (80-150% profit)
• 85 rated: 4,000-5,500 coins (100-180% profit)
• 86 rated: 7,000-10,000 coins (100-200% profit)

Track prices on FUTBIN.

How Much to Buy

Conservative Portfolio:

• 50 x 83 rated = 40k investment
• 30 x 84 rated = 33k investment
• 20 x 85 rated = 35k investment
• Total: 108k investment
• Expected profit: 100-150k

Aggressive Portfolio:

• 100 x 83 rated = 80k investment
• 60 x 84 rated = 66k investment
• 40 x 85 rated = 70k investment
• 20 x 86 rated = 60k investment
• Total: 276k investment
• Expected profit: 300-450k

Elite Portfolio:

• 200 x 83 rated = 160k investment
• 100 x 84 rated = 110k investment
• 80 x 85 rated = 140k investment
• 40 x 86 rated = 120k investment
• Total: 530k investment
• Expected profit: 600-900k

Get starting capital from FifaCoins or CheapFifaCoins.

Best Fodder Cards

83 Rated:

• High pace defenders (sell faster)
• Popular leagues (Premier League, La Liga)
• Good nations (France, Brazil, Spain)

84-86 Rated:

• IFs (In-Forms) hold value better
• Icons (always safe)
• Popular meta cards

Check FUTWIZ for best options.

Investment Strategy #2: Meta Player Crash Buy

Which Players Crash Hardest?

Tier 1 - Crash 40-60%:

• Top meta cards (100k+ value)
• Mbappé, Haaland, Vinícius, etc.
• Buy during TOTY, sell in February

Example:

• Mbappé pre-TOTY: 450k
• Mbappé during TOTY: 250k
• Mbappé post-TOTY: 380k
• Profit per card: 110k (after tax)

Tier 2 - Crash 30-40%:

• Mid-tier meta (50-100k value)
• Valverde, Bellingham, Theo, etc.

Example:

• Valverde pre-TOTY: 75k
• Valverde during TOTY: 48k
• Valverde post-TOTY: 68k
• Profit per card: 17k (after tax)

Tier 3 - Crash 20-30%:

• Budget meta (20-50k value)
• Militão, Mendy, Walker, etc.

When Exactly to Buy

Day 1 of TOTY (approx January 13th):

• Prices drop immediately
• Buy 30% of planned investment

Day 2-3 of TOTY:

• Prices continue dropping
• Buy 50% of planned investment

Day 4-5 of TOTY:

• Prices hit bottom
• Buy remaining 20%
• Set aside for last-minute opportunities

When to Sell

Option A: Quick Flip (3-4 weeks)

• Sell late January/early February
• Recover 70-80% of crash
• Lower profit, faster return

Option B: Long Hold (6-8 weeks)

• Sell late February/March
• Recover 90-100% of crash
• Higher profit, more patience needed

Use FUTBIN Price Graphs to track recovery.

Investment Strategy #3: TOTY Card Speculation

How TOTY Cards Work

Best players of the year receive special blue cards:

• Massively boosted stats
• Pack-only during TOTY period
• Very expensive (500k-5M+ coins)

Indirect Speculation

Don't buy TOTY cards directly (too expensive, risky).

Instead:

• Buy base versions of TOTY nominees
• Prices rise on hype before announcement
• Sell before official TOTY reveal

Example:

• Jude Bellingham (base card)
• December 20th price: 120k
• January 10th (pre-TOTY hype): 155k
• Profit: 30k per card
• Sell BEFORE TOTY announced (prices crash after)

TOTY Nominee Prediction

Research likely TOTY players:

• Ballon d'Or nominees
• Champions League performers
• International tournament standouts
• EA TOTY Vote official nominees

2025 Likely TOTY:

• Haaland (ST)
• Mbappé (ST/LW)
• Bellingham (CM)
• Vinícius (LW)
• Rodri (CDM)
• Salah (RW)
• Kyle Walker (RB)
• Van Dijk (CB)
• Donnarumma (GK)

Buy their base cards December 15th-31st.

Investment Strategy #4: Icon SBC Preparation

Why Icons Matter During TOTY

EA releases expensive Icon SBCs during TOTY to drain coins from the market.

Typical Requirements:

• 85 rated squad
• 86 rated squad
• 87 rated squad
• 88 rated squad

Investment Timeline

Phase 1 (December):

• Accumulate 85-86 rated fodder
• Store in club (unassigned pile)

Phase 2 (Early TOTY):

• First Icon SBC drops
• Fodder spikes 50-100%
• Sell 30-40% of stock

Phase 3 (Mid TOTY):

• Second Icon SBC drops
• Fodder spikes again
• Sell 40-50% of stock

Phase 4 (Late TOTY):

• Final Icon or Player SBC
• Sell remaining stock

Total Profit: 150-300% on 85-86 rated cards

Start with FutCoins or CheapFutCoins capital.

Advanced Tactics

The Unassigned Pile Method

What: Store 50+ cards in "unassigned" pile How: Buy cards, don't assign to club Why: Store more than transfer list limit (100 cards)

Steps:

1. Fill transfer list (100 cards)
2. Continue buying from transfer market
3. Don't assign to club
4. Store indefinitely
5. Sell during TOTY for profit

Warning: Can't open packs while unassigned pile is full

The Position Change Trick

Buy 83-84 rated cards with position changes needed:

• Often cheaper than base position
• Same rating for SBCs
• Extra profit potential

Example:

• LM→LW position change player
• Buy at 800 coins (discard + 100)
• Sell at 1,800 coins during fodder spike
• Profit: 855 coins after tax

The Special Card Investment

TOTW and special cards:

• Require more coins initially
• Hold value better during crashes
• Safer investment

Best Special Cards:

• 84-86 rated IFs
• Popular leagues
• Meta positions (CB, CDM, CM)

Profit: 80-150% return

Risk Management

Diversification

Never all-in on one investment type:

• 40%: Fodder (safe, predictable)
• 30%: Meta players (moderate risk)
• 20%: TOTY nominee speculation (high risk)
• 10%: Liquid (emergency fund)

Stop-Loss Strategy

If investments drop 15% below purchase:

• Sell 30-50% to limit damage
• Re-evaluate strategy
• Don't panic sell everything

Market Crash Insurance

Keep 20% of portfolio in coins:

• Unexpected opportunities
• Last-minute crash buys
• Safety net

Common TOTY Mistakes

Mistake 1: Buying Too Early

Problem: Buying meta players in November-December Solution: Wait until TOTY crash (mid-January)

Mistake 2: Selling Too Late

Problem: Holding fodder after Icon SBCs expire Solution: Sell during hype, not after

Mistake 3: Ignoring EA Tax

Problem: Forgetting 5% tax in profit calculations Solution: Always calculate after-tax profit

Mistake 4: FOMO Buying

Problem: Buying TOTY cards at inflated prices Solution: Stick to safe investments (fodder, meta crash buys)

Mistake 5: Not Selling Fast Enough

Problem: Waiting for "perfect" price that never comes Solution: Sell at 70-80% of target if market turning

TOTY Trading Calendar

December 15th-31st

Actions:

• Buy 83-86 rated fodder at discard
• Research TOTY nominees
• Buy nominee base cards
• Prepare unassigned pile

January 1st-10th

Actions:

• Monitor EA announcements
• Watch for TOTY leaks
• Hold all investments
• Don't buy meta players yet (wait for crash)

January 11th-13th (TOTY Reveal)

Actions:

• Sell TOTY nominee base cards (before crash)
• Prepare to buy meta players
• Watch market carefully

January 13th-18th (TOTY Release)

Actions:

• DAY 1: Buy 30% of meta players
• DAY 2-3: Buy 50% of meta players
• DAY 4-5: Buy remaining 20%
• Hold fodder (don't sell yet)

January 19th-23rd (Icon SBC Phase)

Actions:

• First Icon SBC: Sell 30-40% fodder
• Second Icon SBC: Sell 40-50% fodder
• Hold meta players

January 24th-31st (Final Week)

Actions:

• Sell remaining fodder
• Hold meta players
• Calculate profits

February 1st-28th (Recovery)

Actions:

• Sell meta players as prices recover
• Reinvest profits for next cycle
• Plan for Future Stars promo

Profit Targets by Capital

100k Starting Capital

Conservative: 50-80k profit Moderate: 100-150k profit Aggressive: 150-250k profit

500k Starting Capital

Conservative: 250-400k profit Moderate: 500-750k profit Aggressive: 750k-1.2M profit

1M+ Starting Capital

Conservative: 500-800k profit Moderate: 1-1.5M profit Aggressive: 1.5-3M profit

Get your starting capital from FifaCoins or CheapFifaCoins.

Tools and Resources

FUTBIN TOTY Tracker

• Historical TOTY data
• Price graphs
• Investment tracking

Visit FUTBIN TOTY.

FUTWIZ Market Analysis

• Real-time fodder prices
• Meta player tracking
• Investment calculator

Check FUTWIZ.

Reddit r/FIFA Community

• TOTY predictions
• Investment discussions
• Real-time market updates

Join Reddit FUT Community.

EA Official Announcements

• TOTY vote
• Release schedule
• SBC drops

Follow EA Sports FC.

Post-TOTY Opportunities

After TOTY ends, market stabilizes with new opportunities:

Late January

• Meta players recovering (still cheap)
• Last chance to buy before February spike

February - Future Stars

• Young players get boosted cards
• New investment cycle begins
• Use TOTY profits to invest

March - FUT Birthday

• Another market crash
• Repeat investment strategies
• Build wealth continuously

Conclusion

TOTY is the biggest profit opportunity in FUT:

Keys to Success:

• Buy fodder in December (discard prices)
• Buy meta players during TOTY crash (50% off)
• Sell fodder during Icon SBCs (2-3x profit)
• Sell meta players in February recovery
• Diversify investments (don't all-in)

Expected Results:

• 100k capital → 150-250k profit
• 500k capital → 500k-1.2M profit
• 1M capital → 1-3M profit

Start preparing now:

1. Get capital from FifaCoins or CheapFifaCoins
2. Create investment spreadsheet
3. Research TOTY nominees
4. Start buying fodder December 15th
5. Follow this guide step-by-step

Visit our homepage to fund your TOTY investment strategy!