Opti – Ett bättre sparande

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About this app

• Start a better saving in 5 minutes:
- Take the test and get a free suggestion on suitable funds
- Start your new savings directly in the app
- About half the fee compared to a regular fund [1]

• Get a saving you can trust:
- Deposit guarantee and BankID
- Independent from the banks, we work for you!
- You get the commissions: 40% discount on the funds
- Sustainable and affordable funds are chosen

• Achieve better results:
- Opti invests your money according to Modern Portfolio Theory, which was awarded the Nobel Prize in Economics in 1990 [2]
- You get a very high level of diversification: According to the research, investing widely increases the return you are expected to receive in relation to the risk you take.
- A savings coach in your pocket: Opti gives you tips on how to think, for example when the stock markets are worried.

• Opti takes care of your savings, automatically:
- Takes home profits and reinvests them
- Make sure you continue to have the best funds; 1.6 million calculations are made daily on about 7,000 funds
- Annual follow-up that the portfolio suits you

• Keep track of ALL your savings:
- Overview of all your fund savings, at all banks
- Clear, independent health check of each fund
- Personal insights and suggestions for improvement

• Svenska Dagbladet: "SvD gives Opti the thumbs up." (five in rating)
• Bloomberg: "Opti gives you a tailored fund portfolio."
• Breakit: "Opti first to get okay from Finansinspektionen for digital advice."
• Dagens Industri: "Opti will steer small savers away from bad funds."
• Dagens Nyheter: "Advice from robots challenges banks."

…and many more.

• We are completely independent and do not accept money from the industry.
• We have a permit from and are supervised by the Swedish Financial Supervisory Authority (institution ID 35277).
• We were disappointed bank customers ourselves and therefore started Opti. To do it better, to do it right, to do it honestly. Join the journey you are on!

Your savings are covered by the state Investor Protection and the Deposit Guarantee. Opti uses Mobile BankID to protect all information about your savings. All your information is subject to bank secrecy and ALWAYS stays with us.
If you want to read our complete user agreement, it is here: http://www.opti.se/anvandaravtal

If you have any questions about us, what we do or simply want to cheer on, please write to hello@opti.se.

Onwards and upwards!
// The Opti team

[1] According to AMF, the average annual fee for all equity funds in Sweden was 1.55% in 2020. By comparison, Opti's ordinary portfolio with the most shares (Opti 9) has a total cost of 0.88%. Then everything is included.

[2] The "Nobel Prize in Economics", ie the Swedish Riksbank's prize in economic science in memory of Alfred Nobel, went to Harry Markowitz in 1990 for his work with mathematical portfolio theory: https://www.nobelprize.org/prizes/ economic-sciences / 1990 / press-release /

[3] Sources:
• SvD: https://www.svd.se/opti--en-valkommen-halsoundersokning
• Bloomberg: https://www.bloomberg.com/news/articles/2018-05-15/robots-challenge-banks-in-sweden-s-524-billion-savings-market
• Breakit: https://www.breakit.se/artikel/9730/staffan-persson-satsar-pa-robotradgivaren
• DI: https://digital.di.se/artikel/hennes-robot-ska-radda-sparare-fran-daliga-fonder
• DN: https://www.dn.se/ekonomi/rad-fran-robotar-utmanar-banker/
Updated on
Nov 28, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
App activity, App info and performance, and Device or other IDs
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted

What's new

Denna version innehåller buggfixar och förbättringar.