What Optimize Investment Partners does

Optimize Investment Partners – SGOIC, S.A. is a Portuguese independent asset management company founded in 2008 and headquartered in Lisbon, authorized by the CMVM (No. 327) and CNMV (No. 107). The company manages a portfolio of pension savings plans (PPRs across four risk profiles), investment funds (Global Flexible, Europe Value, Global Bond, Disruption, Portugal Golden Opportunities, Seleção, LFO), corporate pension funds (Capital Pensões), and personalized private management (Gestão Privada, €500K minimum) and unit-linked insurance products through Baloise. As of 2025, Optimize reports over €500 million in assets under management, making it one of the largest independent asset managers in Portugal.

The firm operates a fully digital model with no physical branches. Client onboarding uses Chave Móvel Digital authentication and digital signature, with ongoing account management through the Espaço Cliente portal. Revenue is generated exclusively through recurring management fees on AUM, ranging from 0.75% (Institutional share class) to 2.00% (Standard share class), with no subscription, redemption, account maintenance, or performance fees. Distribution combines direct digital channels, partner agreements with DIF Broker and Banco Best, and protocols with seven Portuguese professional orders. Cross-border distribution is authorized in Spain, Belgium, and Luxembourg via the Optimize IP SICAV Luxembourg structure.

Strategic positioning centers on independent, conflict-free product manufacturing (no proprietary trading or counterparty positions), award-winning 17-year track record (Morningstar, APFIPP, FundsPeople, Euronext), and a financially literate content strategy (TSF podcast, webinars, economic bulletins). The firm holds a 4.5% stake in Martifer and has invested in succession-planning infrastructure through the Baloise unit-linked mandate. Operations are backed by social capital of €450,771.71 and corporate governance including a Board of Directors, General Assembly, and Supervisory Board.

Name

Optimize Investment Partners

Legal name

Optimize Investment Partners – SGOIC, S.A.

Website

https://optimize.pt

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Optimize Investment Partners is an independent Portuguese asset manager founded in 2008, managing over €500 million across pension savings plans, investment funds, and private portfolio services for retail, corporate, and high-net-worth clients through a fully digital model.

Ownership category

akta.pro rank

Product category

Asset Management

NAICS

Portfolio Management and Investment Advice (523940), Open-End Investment Funds (52591), Pension Funds (52511), Insurance and Employee Benefit Funds (5251)

SIC

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

akta.pro primary industry

Portfolio Management–Led RIAs (Discretionary/Model-Based) (FSAAACAC)

akta.pro secondary industries

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF)

Keywords

• Asset management services
• Pension savings funds
• Investment fund management
• Discretionary portfolio management
• Wealth management solutions

Headquarters

HQ city

Lisbon

HQ country

Portugal

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Management Fees on PPR Plans: Ongoing management fees charged on assets under management in PPR (pension savings) products. Fee rates vary by fund category (Institutional, Discount, Standard, Premium) ranging from 0.75% to 2.00% per annum. Already net of management fees in disclosed returns.
2. Management Fees on Investment Funds: Ongoing management fees charged on all Optimize investment funds (Global Flexible, Europe Value, Global Bond, Disruption, Portugal Golden Opportunities, LFO, Seleção). Fee rates vary by fund and share class from 0.75% (Institutional) to 2.00% (Standard).
3. Management Fees on Discretionary Portfolios: Fees on privately managed portfolios (Gestão Privada) for clients with assets starting at €500,000. No subscription, redemption, or strategy change commissions.
4. Unit Linked Insurance Management: Management mandate granted by Optimize to manage Baloise insurance-linked investment contracts. Fees embedded in the unit-linked product structure.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Optimize Investment Partners is an independent Portuguese asset management company (SGOIC) founded in 2008 that manages Pension Savings Plans (PPR) across four risk profiles, open-ended investment funds, open pension funds, discretionary private portfolios (Gestão Privada), and unit-linked insurance, all offered through a fully digital platform with Chave Móvel Digital onboarding. The firm also distributes co-branded Selection Funds with DECO PROTeste and LFO Funds with Lisbon Family Office, and serves corporate clients with a dedicated Corporate PPR (PPR Empresas).

Product overview

Optimize Investment Partners is an independent Portuguese asset management company (SGOIC) offering a comprehensive suite of investment solutions. The portfolio comprises four main categories: (1) Pension Savings Plans (PPR) in four risk profiles (Agressivo, Ativo, Equilibrado, Moderado) ranging from 15% to 100% equity exposure; (2) Traditional Investment Funds including Global Flexible Fund, Europe Value Fund, Global Bond Fund, and Disruption Fund; (3) Specialized funds including the award-winning Portugal Golden Opportunities Fund (umbrella structure with Portugal 80, Portugal 80A, Portugal 85, and Corporate Bonds sub-funds) and DECO Selecção funds (Agressiva, Base, Defensiva) replicating PROTeste Investe strategies; (4) LFO-branded funds (PPR Leopardo and Rise US) developed with Lisbon Family Office for US equity exposure; (5) Corporate solutions including pension funds (Capital Pensões Acções, Equilibrado, Moderado) and PPR Empresas; (6) Premium services including Gestão Privada (minimum €500K) and Unit Linked insurance products through Baloise. All products are accessible via the Espaço Cliente digital platform with account opening through Chave Móvel Digital authentication.

Differentiator

Problem solved

Functional benefit

Brands

• Optimize IP SICAV: Luxembourg-domiciled umbrella fund structure containing multiple sub-funds managed by Optimize
• Portugal Golden Opportunities Fund
• Optimize LFO
• Optimize Seleção

Products and services

• Optimize PPR Agressivo Pension Savings Plan (PPR) under the most aggressive risk profile within the Optimize PPR range, designed for individual investors seeking higher long-term return potential through greater equity exposure.
• Optimize PPR Ativo Pension Savings Plan (PPR) under the active risk profile within the Optimize PPR range, intended for individual investors seeking a balanced approach between capital growth and risk control.
• Optimize PPR Equilibrado Pension Savings Plan (PPR) under the balanced risk profile within the Optimize PPR range, designed for individual investors seeking a moderate mix of growth and defensive assets.
• Optimize PPR Moderado Pension Savings Plan (PPR) under the moderate risk profile within the Optimize PPR range, intended for individual investors seeking a more conservative retirement savings outcome.
• Optimize Global Flexible Fund Open-ended investment fund that pursues flexible global asset allocation across geographies and asset classes for individual and institutional investors.
• Optimize Europe Value Fund Open-ended investment fund focused on European value equities for investors seeking European equity exposure with a value-oriented mandate.
• Optimize Global Bond Fund Open-ended investment fund that invests in global fixed income securities for investors seeking diversified bond exposure.
• Optimize Disruption Fund Thematic investment fund that targets companies exposed to disruptive innovation and technology-driven business models for investors seeking growth-oriented thematic exposure.
• Optimize Portugal Golden Opportunities Fund Open-ended investment fund focused on Portuguese investment opportunities for investors seeking concentrated domestic exposure.
• Optimize Selection Agressiva Co-branded investment fund with DECO PROTeste, configured under the aggressive risk profile for association members and their subscribers.
• Optimize Selection Base Co-branded investment fund with DECO PROTeste, configured under the base risk profile for association members and their subscribers.
• Optimize Selection Defensiva Co-branded investment fund with DECO PROTeste, configured under the defensive risk profile for association members and their subscribers.
• Optimize LFO PPR Leopardo Co-branded Pension Savings Plan (PPR) developed with Lisbon Family Office, distributed to family office clients.
• Optimize LFO Rise US Co-branded investment fund with Lisbon Family Office providing US equity exposure for family office clients.
• Capital Pensões Acções Open pension fund with an equity-oriented mandate for retirement savers seeking long-term capital growth.
• Capital Pensões Equilibrado Open pension fund with a balanced risk profile for retirement savers seeking a mixed equity/fixed income exposure.
• Capital Pensões Moderado Open pension fund with a moderate risk profile for retirement savers seeking more conservative pension outcomes.
• Optimize Gestão Privada Discretionary private wealth management service for high-net-worth individuals (minimum €500,000) offering bespoke portfolio management aligned to client objectives.
• Optimize Seguros Unit Linked (Baloise) Unit-linked insurance product offered in partnership with Baloise, allowing investors to combine insurance coverage with investment fund exposure.
• Optimize PPR Empresas Corporate Pension Savings Plan (PPR Empresas) designed for Portuguese employers to provide tax-efficient retirement savings benefits to their employees.

Quantifiable outcome

• Over €500 million in assets under management, making Optimize one of the main independent asset managers in Portugal
• +2 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

14 partnerships are on record, tiered core and minor.

• Lisbon Family Office (LFO)coreStrategic or Co-development PartnerLFO provides investment consulting for the Optimize LFO fund range (Rise US Equities and PPR Leopardo). Francisco Carneiro, LFO Managing Partner with 30+ years of experience (mostly at BPI), contributes investment expertise. The funds focus on US equity markets with exposure of up to 100% in USD assets. LFO is credited with creating the successful BPI Vida Universal fund.
• DECO PROTeste InvestecoreStrategic or Co-development PartnerPartnership to replicate the fund selection strategies of DECO PROTeste Investe magazine through the Optimize Selecção fund range (Selecção Agressiva, Selecção Base, Selecção Defensiva). DECO selects international funds based on rigorous analysis of return history, risk levels, and portfolio composition. Optimize handles allocation and ongoing portfolio management.
• Cecabank S.A. – Sucursal em PortugalcoreOthersCecabank assumed the depository bank function for all Optimize-managed funds from May 29, 2026, replacing Banco BiG. Cecabank is a reference institution for depository services in Spain and Portugal, holding over €300 billion in assets under custody at end-2025. New fee: 0.065% (max), reducible to 0.063% if Optimize AUM deposited exceeds €1 billion.
• Real Vida PensõescoreImplementation/ SI/ Consulting PartnerReal Vida Pensões handles the administrative management of the Optimize Capital Pensões fund range (Capital Pensões Acções, Capital Pensões Equilibrado, Capital Pensões Moderado), launched in 2011. Optimize handles financial management. This partnership ensures integrated, professional, and efficient administration in compliance with legal and regulatory obligations.
• Baloise (Insurance)coreOthersBaloise is the insurance partner for Optimize's Unit Linked product. Optimize receives a specific mandate to manage the insurance investment contracts that clients hold with Baloise. Assets are segregated at the insurer. Optimize can only make investment decisions within the limits defined by the mandate. The Luxembourg-domiciled insurance structure offers succession planning advantages.
• DIF BrokerminorChannel Partner/ Reseller/ DistributorDistribution agreement between Optimize and DIF Broker for distribution of Optimize funds and PPR products. DIF Broker is a financial intermediary providing access to Optimize products through its network.
• Banco BestminorChannel Partner/ Reseller/ DistributorDistribution agreement between Optimize and Banco Best for distribution of Optimize funds and PPR products. Banco Best provides its clients access to Optimize's fund range.
• Ordem dos Enfermeiros (Portuguese Nurses Association)minorGTM or Marketing PartnerProtocol providing nurses with exclusive bonuses on PPR subscriptions (Agressivo, Ativo, Equilibrado, Moderado), zero subscription/redemption/account maintenance/performance fees, and bonus credits up to €500 on investments.
• Ordem dos Economistas (Portuguese Economists Association)minorGTM or Marketing PartnerProtocol providing Ordem dos Economistas members with exclusive investment benefits and preferential terms on Optimize products.
• Ordem dos Farmacêuticos (Portuguese Pharmacists Association)minorGTM or Marketing PartnerProtocol providing pharmacists with exclusive investment advantages on Optimize products.
• Ordem dos Advogados (Portuguese Bar Association)minorGTM or Marketing PartnerProtocol providing lawyers with exclusive investment benefits on Optimize products.
• Ordem dos Contabilistas Certificados (OCC - Portuguese Chartered Accountants Association)minorGTM or Marketing PartnerProtocol providing certified accountants with exclusive investment benefits on Optimize products.
• Serviços Sociais da GNR (Portuguese National Republican Guard Social Services)minorGTM or Marketing PartnerProtocol providing GNR officers and personnel with exclusive investment advantages on Optimize products.
• Sindicato dos Pilotos de Aviação Civil (SPAC)minorGTM or Marketing PartnerProtocol providing civil aviation pilots with exclusive investment benefits on Optimize products.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mutuactivos: Spanish independent asset manager owned by Mutua Madrileña, with active fund management across multiple asset classes. Comparable in independent positioning within Iberian market and product breadth across equity, fixed income, and mixed-asset strategies.
• Bestinver: Spanish independent asset manager focused on active equity and mixed-asset funds, with strong retail and institutional distribution. Closest Iberian peer to Optimize in terms of independent, performance-driven positioning and brand-led retail GTM.
• Renta 4 Banco: Spanish independent wealth manager and asset manager with a hybrid digital-plus-advisor distribution model. Highly comparable to Optimize in independent positioning, multi-channel GTM, and Iberian focus.
• Andbank Wealth Management: Andorran private bank with significant Iberian wealth management and asset management operations. Comparable in serving HNW clients with discretionary mandates and unit-linked insurance wrappers, similar to Optimize's Gestão Privada and Baloise partnerships.
• IMGA - Instituto de Gestão de Fundos de Investimento: Portuguese independent asset manager with a multi-fund range covering equities, bonds, and mixed-asset strategies. Directly comparable to Optimize in business model, regulatory standing (CMVM-authorized), and target customer base, with similar PPR and pension fund offerings.

Broad incumbents

• BPI Gestão de Ativos: Asset management arm of BPI bank, one of Portugal's largest financial groups. Larger scale and bundled distribution contrast with Optimize's independent model, but directly competes for Portuguese retail PPR and fund AUM.
• Bankinter Gestión de Activos: Spanish bank-owned asset manager with significant retail and pension fund operations. Comparable product breadth to Optimize including individual and corporate pension solutions, and a relevant cross-border reference point given Optimize's Spanish authorization.
• Caixa Gestão de Ativos: Asset management subsidiary of Caixa Geral de Depósitos (CGD), Portugal's largest state-owned bank. Operates the broadest retail fund and pension product range in Portugal, including PPRs, against which Optimize competes directly.
• GNB Gestão de Ativos (Novo Banco): Asset management arm of Novo Banco, one of Portugal's largest banks. Directly competes with Optimize for Portuguese retail and institutional AUM via a broad product range including PPRs and pension funds.
• Santander Asset Management Portugal: Portuguese arm of Santander Asset Management, part of global Santander group. Competes with Optimize in retail funds, PPR, and pension products, leveraging extensive physical and digital distribution across Portugal.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/OptimizeTV
• Facebookfacebook.com/optimizeinvestmentpartners
• LinkedInlinkedin.com/company/optimize
• Instagraminstagram.com/optimizeinvestmentpartners
• Xx.com/optimizeinvest

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

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 Optimize Investment Partners