TOTY will be coming Friday at 6pm. Whereas in the past TOTY was released on a Monday in waves of attackers, midfielders, and defenders, this year the schedule is different. Because of this, there is uncertainty over when the best time to buy a squad is.
When TOTY was released on Mondays in the past, that coincided with WL sell-off, and the buy time for most players was during that Sunday/Monday around when TOTY was released.
With TOTY being released on Friday in FIFA 21, the situation is a bit different. The market is higher on Fridays as people build their WL squads, so people aren’t sure whether they should buy squads before the market increases for WL (on Wednesday, January 20th) or after WL concludes as people sell their squads (on Sunday, January 24th).
My take is that buying on Wednesday, January 20th is the best option for 2 main reasons:
1. The promotion most similar to TOTY this year was Black Friday. The best time to buy a squad for that was on Wednesday, November 25th, two days before Black Friday on Friday, November 27th.
2. TOTY is extremely delayed this year, and people have had plenty of time to sell their teams and get liquid. I think the rebound will happen more quickly because of this in combination with the fact that people are growing impatient and eager to buy back their squads.
But there is a catch. TOTY provides excellent investment opportunities in the form of OOP golds (from TOTW 17 and TOTY) and informs (from TOTW 17). If you look to invest your coins rather than buy your squad, you can look at a 30%+ ROI in a week (selling next Thursday, January 28th).
Yes, you would have to pay extra for your squad buying at a later date, but the returns you get on your investments will more than cover the premiums you have to pay for your squads.
This leaves you with 2 options:
1. Buy your squad on Wednesday and forgo investing during TOTY.
2. Invest during TOTY, sell your investments on Thursday, January 28th, and buy your squad after that.
I understand many of you are tired of waiting to buy your teams, so hopefully this gives you some guidance on your decisions in the coming days.