For ETF investors with a date in mind
Will your portfolio be ready when you need it?
A home, retirement, your kids' education. Frontira turns your ETF portfolio into a plan for that day, with less risk as it gets closer.
- Keep your broker
- We never hold your money
- Assumptions you can see and edit
- No management fee on your assets
Your plan · 10-year horizon Illustrative
At your date, compared with what you put in Pessimistic case +2%
Expected +37%
Optimistic case +84%
Target allocation by year Equity Bonds Precious metals
Today · 100% equity Your date · 39%
1,000+ UCITS ETFs to build from
Interactive Brokers · Trading 212 import your existing portfolio
Why Frontira
Most ETF portfolios don't have a plan behind them.
Each time you invest, you probably buy roughly what you bought before. But as your goal gets closer, should your portfolio still look the same?
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Nothing ties your risk to the time left.
Target allocations for every year, with less risk as your date nears.
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Each contribution follows habit, not a target.
What to buy each time to stay on plan. You place the orders.
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How your portfolio could end up is a guess.
Pessimistic, expected and optimistic cases, fees included, to compare plans.
How it works
Frontira does the math. You make the decisions.
Frontira builds on what you already do at your broker, adding a plan, projections and the orders to follow it.
Selected plan: At the end of your horizon, compared with what you put in.
Optimistic case +84%
Expected +37%
Pessimistic case +2%
| ETF | Current weight | Target weight | Delta weight |
|---|---|---|---|
| Physical gold ETC Precious metals | 45.43% | 33.30% | +12.13% |
| European equity ETF Equity | 22.12% | 18.56% | +3.56% |
| US equity ETF Equity | 12.25% | 7.68% | +4.57% |
| Inflation-linked bond ETF Bonds | 0.73% | 2.90% | −2.17% |
Check-ins
Deposit
Today's trades: cost vs. tracking error. Paying more gets you closer to your plan.
Est. transaction cost €4.90 Tracking error 0.02% Taxable capital gains €0.00
| Action | ETF | Quantity |
|---|---|---|
| BUY | European equity ETF Equity | 3 shares |
| BUY | Euro government bond ETF Bonds | 2 shares |
| BUY | Physical gold ETC Precious metals | 1 share |
Your horizon
The years just before your date matter most. Plan for them now.
Your plan isn't one fixed allocation. It sets a target allocation for every year until you need the money and takes less risk as that date gets closer.
Why it matters: more time means more room to recover from a fall. That's why the plan takes more risk early on and less as your date nears. Investors call this sequence-of-returns risk.
Target allocation by year · 10-year plan Equity Bonds Precious metals
Where it fits
You make every decision, without handing anything over.
| Criterion | Your broker | Frontira | Robo-advisor |
|---|---|---|---|
| A target allocation for your horizon | — | For every year until your date | Yes, set by the provider |
| Outcomes before you decide | — | Pessimistic, expected and optimistic case | Varies by provider |
| Who decides the allocation | You | You, from plans you can compare | The provider |
| Which ETFs you hold | Any you pick | Any you pick | The provider's selection |
| Who places the trades | You | You, at your broker | The provider, automatically |
| Where your money sits | Your broker | Your broker. Frontira never touches it | The provider's custodian |
| What you pay | Trading fees per order | A fixed subscription fee — free while in beta | A percentage of your portfolio |
Our promises
What we'll never do:
- Hold your money. It stays at your broker. We only see what you import.
- Decide for you. Every plan, trade and change is your call.
- Charge a percentage of your assets. We will offer a subscription model but Frontira is currently free while in beta.
- Get paid for what you buy. No commissions from brokers or fund providers.
- Hide the pessimistic case. Every plan shows it, next to the expected and optimistic one.
- Sell your data. Not to advertisers, not to anyone.
From the blog
All posts → Invest with intent
Estimating Future Returns and Risk Across Asset Classes Why historical averages are unreliable estimates of expected return, how CAPM ties an asset's expected return to its exposure to market risk, and why volatility and correlations are estimated from history. Read article → The Real Cost of Investing in ETFs and Its Long-Term Effects ETF costs split into trading costs paid per transaction and holding costs paid continuously. What each one contains, why small trades cost disproportionately more, and how to work out your own per-trade figure. Read article →
FAQ
Questions, answered
Is this investment advice?
No. Frontira doesn't assess whether a product, plan or trade suits you, and doesn't consider your income, financial situation or goals beyond the parameters you enter. You choose the products, the plan and the trades.
How reliable are the projections?
They show a range, not a promise. They're based on historical data and your inputs, which is why you see a bad and a good case next to the expected one.
Do I have to connect my broker account?
No. Enter your holdings by hand, or upload a statement or export from Interactive Brokers or Trading 212. Frontira never asks for your broker login, never holds your money and never places trades. You execute every trade in your own account.
Do I need to be an expert?
No, but you should know what an ETF is, know the main asset classes, and have a broker account. Frontira does the calculations; you choose the ETFs and the plan.
Is it free?
Yes, Frontira is free while it's in beta. After the beta we'll move to a subscription model: a subscription fee, never a percentage of your assets.
What data do you store?
Your email, account details and the parameters you enter. You can export all of it or delete your account at any time from your profile.
Contact
Get in touch
Questions, feedback or ideas? Send us a message and we'll get back to you by email.
Looking for quick answers? Read the FAQ