Opti

Name

Opti

Legal name

Opti Sverige AB

Website

https://opti.se

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Digital Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Managed Accounts & Model Portfolios (SMA/UMA) (FSAAAAAG)

akta.pro secondary industries

Discretionary Portfolio Management (Retail) (FSAAAAAH), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Digital wealth management
• Automated portfolio management
• Robo advisory services
• Fund portfolio investing
• Sustainable investment portfolios

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Portfolio Management Fee: Opti charges a management fee of 0.5% per year (including VAT) on assets under management. This is the company's sole revenue stream. The company does not accept compensation from banks or fund companies, does not earn currency exchange fees, and does not earn commissions on fund recommendations or account transfers. For Wealth Management clients investing more than 1 million SEK, the fee can be reduced below the standard 0.5% rate. For corporate customers and certain individuals, fund holdings can be held in a capital insurance (kapitalförsäkring) product provided by Futur Pension, which costs 0.2% per year of the policy's value, paid to Futur.
2. Capital Insurance Distribution: Opti acts as an insurance distributor for Futur Pension Försäkringsaktiebolag, offering capital insurance (kapitalförsäkring) products primarily for corporate customers and in specific cases for individuals who prefer to save within a capital insurance wrapper. Opti receives no commission from the insurance company for this service and charges no fee to customers for this brokerage.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Opti operates a digital wealth management platform that constructs and manages diversified, fund-based investment portfolios for Swedish retail investors through a mobile app and website. The company offers tiered risk profiles (Opti 1-9 plus 100% equity), sustainability-themed portfolios (Miljövänlig and Hållbar), and a Wealth Management service for clients with 5M+ SEK in investable assets, earning a 0.5% annual management fee on assets under management. Onboarding is fully digital via BankID, and Opti holds Finansinspektionen licenses for discretionary portfolio management and insurance distribution.

Product overview

Opti is a Swedish digital wealth management platform offering a unified suite of fund-based investment services. The core offering centers on automated portfolio management through three portfolio lines: Normal (Opti 1-9, Opti Bas, Opti 100% Aktier), Miljövänlig (Environmentally Friendly), and Hållbar (Sustainable). These are complemented by the Opti App for mobile access, a Fund Search tool for discovery, a Fund Health Check for portfolio analysis, Opti Wealth Management for high-net-worth clients (5M+ SEK), and Insurance Distribution via Futur Pension. At the foundation is a proprietary Portfolio Optimization Engine using Modern Portfolio Theory and Black-Litterman modeling. The company earns 0.5% per year in management fees on assets under management, with no revenue from fund commissions.

Differentiator

Problem solved

Functional benefit

Products and services

• Opti Normal Portfolios (Opti 1-9, Opti Bas, Opti 100% Aktier) Risk-tiered fund-based portfolios offering diversified exposure across global asset classes (equities, bonds, credits, real bonds, commodities) with risk levels from 5% to 13% volatility; available to Swedish retail investors via the Opti app.
• Opti Miljövänlig (Environmentally Friendly) Portfolios ESG-oriented portfolios that minimize exposure to fossil fuels and select funds based on greenhouse gas intensity metrics, suitable for Swedish investors seeking environmental tilt without sacrificing diversification.
• Opti Hållbar (Sustainable) Portfolios Article 9 SFDR-aligned portfolios targeting net-zero emissions by 2050, designed for Swedish investors seeking a sustainable-investment mandate with the same risk-tiered structure as Normal portfolios.
• Opti Wealth Management Premium advisory service for individuals or holding companies with at least 5 million SEK in investable assets, offering personalized portfolio construction, financial mapping, face-to-face expert meetings, and ongoing advisory with fee reductions above 1 million SEK.
• Opti Insurance Distribution (Capital Insurance / Kapitalförsäkring) Distribution of capital insurance (kapitalförsäkring) products from Futur Pension, primarily for corporate customers and certain individuals who prefer to hold Opti-managed fund shares within an insurance wrapper.
• Opti Mobile App (iOS & Android) Smartphone application providing automated portfolio management, savings tracking, fund health checks, and BankID-secured onboarding for Swedish retail investors.
• Fund Search (Fondväljare) Free search and filter tool covering equity, bond, mixed, alternative, and money market funds, enabling users to compare and discover funds available in Sweden.
• Fund Health Check (Fondhälsokoll) Free tool that assesses users' existing fund holdings against Opti's fund universe on alpha, stability, and cost, supporting decisions to consolidate or migrate to Opti-managed portfolios.

Quantifiable outcome

• Average fund fees reduced by approximately 50% compared to typical Swedish equity fund average of 1.45% — Opti's most common portfolio (Opti 9) costs approximately 0.7%
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Futur Pension FörsäkringsaktiebolagcoreOthers · 8 June 2017Futur Pension Försäkringsaktiebolag provides capital insurance (kapitalförsäkring) products that Opti distributes to corporate customers and specific individuals who prefer to hold fund investments within a capital insurance wrapper. This allows Opti to serve corporate clients and expand its service offerings. Opti receives no commission from Futur for this distribution and charges no additional fee to customers.
• MorningstarcoreTechnology or IntegrationMorningstar provides Opti with fund data, sustainability ratings, carbon footprint data, and index data. Opti uses Morningstar data for its fund ranking system, portfolio construction, and sustainability analysis. Morningstar's data covers approximately 5,000 funds with around 40,000 share classes registered in Sweden.
• Finansinspektionen (Swedish Financial Supervisory Authority)coreOthersFinansinspektionen is the Swedish financial regulatory authority that licenses and supervises Opti as a securities company (värdepappersbolag). Opti holds licenses for investment analysis, order reception/transmission, investment advisory (since 2016), insurance distribution (since 2017), financial instrument custody, discretionary portfolio management, and fund management registration (since 2020).
• Harvest Advokatbyrå ABminorOthersHarvest Advokatbyrå AB provides outsourced compliance (regelefterlevnad) function for Opti. The firm's lawyers Rico Benavides and Björn Wendleby have long experience in compliance work for securities companies and licensed firms.
• Nordic Financial Consulting ABminorOthersNordic Financial Consulting AB provides outsourced risk management (riskhantering) function for Opti. Markus Ahlgren leads the engagement with experience in risk control and capital adequacy matters for securities companies.
• Advisense ABminorOthersAdvisense AB provides outsourced internal audit (internrevision) function for Opti. Charlotte Eklund leads the internal audit with extensive experience in internal audit work for securities companies.
• InsuresecminorOthersInsuresec is the industry organization for insurance intermediaries in Sweden. Opti is a member of Insuresec, which works to ensure that insurance intermediaries act correctly, professionally, and in the customer's best interest. Opti's employees handling insurance distribution are licensed through Insuresec.
• If Skadeförsäkring ABminorOthersIf Skadeförsäkring AB provides professional liability insurance for Opti's insurance distribution activities. The policy covers potential damages arising from insurance distribution activities, with maximum compensation of 1,300,380 EUR per claim and 2,600,760 EUR per year.
• Wint AccountingminorOthersWint Accounting handles Opti's bookkeeping, managed by Emelie Andersson.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Moneyfarm: UK/Italian robo-advisor with managed portfolios and pension (ISA/SIPPs) offerings for European retail investors. Directly comparable in product mix, fee model, and regulatory approach.
• Betterment: US robo-advisor pioneer offering automated, goal-based portfolio management at a flat advisory fee. Closest US benchmark for business model, technology approach, and retail target customer.
• Scalable Capital: European digital wealth manager offering managed portfolios and a brokerage platform across Germany and other EU markets. Comparable in technology-led portfolio management and low-cost retail proposition.
• Lysa: Swedish robo-advisor offering automated, low-cost fund portfolio management to retail investors with similar MPT-based methodology and a flat fee model. Most direct head-to-head competitor in the Swedish market.
• Fundler: Swedish digital wealth manager providing automated fund portfolios targeting retail savers with low fees. Competes with Opti directly for the same Swedish mass-affluent and retail customer base.
• Nutmeg: UK-based robo-advisor offering discretionary and execution-only portfolio management to retail investors at flat fees. Closest European pure-play comparable for business model, fee structure, and target customer.
• Avanza: Leading Swedish online broker and fund platform offering automated portfolio services and a broad fund marketplace. Overlaps with Opti on retail fund selection and automated investing for Swedish consumers.
• Nordnet: Sweden's largest online broker with growing robo-advisory and fund-supermarket capabilities. While broader than Opti, it increasingly competes in automated portfolio management for the same Swedish retail investors.

Emerging players

• Sigmastocks: Swedish fintech offering rule-based and factor-based portfolio strategies. Partial overlap with Opti's quantitative approach but narrower product set and emerging scale.

Broad incumbents

• Carnegie Wealth Management: Sweden's leading private bank and traditional wealth manager, now a partial owner of Opti. Comparable in serving Swedish HNW clients with discretionary portfolio management, but with a much broader product suite and human-advisor model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/opti_se
• Facebookfacebook.com/opti.se
• LinkedInlinkedin.com/company/optise-ab

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Opti