A Guide for fast trainers

[Hpk]

Hi Guys,
I've read Niko's guide several times and I still don't get it. It is my second season now, so I'm level 2.

Here's my team:




Some of them, like Risse, Ramadan, Rodas, Cuper, Murdoch, Espinoza, Antunes and several weaker players are from past season. Some are new players.

Basing on the pure value, I would say, that Halit, Risse, Dorado, Navaro might be ft. And Boicas, Ustrekhov, Pietrzak are not. Fabianski is the player I took from my international team after reaching the final last season.

I understand, that for 5* player, I should buy players with the value from Niko's table - max players quality for each Level. But if a player is not 5*, then how much should be deduct of his value to determine if he will be f.e. 3,5M when he will become 5*?

Or maybe I'm wrong, and doesn't have to be 3,5M worth and still be a ft?