OPTO: Invest Smarter

OPTO: Invest Smarter

Build Your Own Stock Index

24 ratings
11 reviews

Archived App (Last seen on 15 May 2026)

This is an archived listing of the app previously available on the App Store.

Although the app is no longer distributed by Apple, you can still view its description, screenshots, version history, ratings, and metadata for reference.

Details

  • Released
  • Updated
  • March 9, 2023
  • November 21, 2025
OPTO: Invest Smarter screenshot #1 for iPhone
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OPTO: Invest Smarter screenshot #8 for iPhone
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About

Design custom stock indexes with automated rebalancing and earn interest on uninvested cash. Invest like a pro with professional strategies and zero trading fees. Your money is secured by an SEC/FINRA-registered broker.

Design custom stock indexes
Automated quarterly rebalancing
Zero fees on trades
Up to 3.5% APY on cash
Professional investment strategies
SEC/FINRA registered broker security
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What's New in OPTO

1.5.2

November 21, 2025

Minor bug fixes and performance updates

User reviews

Love it

So helpful to find new stocks based on themes, great UI

Best App for market news

The thematic Investing is a great feature that you can’t find anywhere else !

Good app for a moderate risk investor

Good design and user interface. Hub of resources for investors who want to target specific industries. Loads of resources on stock performance and trajectory (linear graphs, interviews with the stocks’ asset managers and C-suite). Suitable for moderate-risk investors who do not want to use a day trader app but want to dabble in speculative investments.
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Great design, good features

Downloaded this recently and it’s a very smooth experience for a finance app. I like their approach to grouping stocks & ETFs into themes that make it easy to explore, along with their in-app content.

Login process is now completely broken

Fantastic app but recent changes mean you need to reset your password every time you login.

FAQ

What is OPTO?

OPTO is a finance app that allows users to design their own stock indexes, with automated rebalancing and zero trading fees. It also offers up to 3.5% APY on uninvested cash.

How does OPTO's automated rebalancing work?

Your custom stock index (Folio) is automatically rebalanced quarterly. This ensures your investments remain aligned with your chosen strategy without requiring manual adjustments from you.

What are the fees associated with OPTO?

OPTO offers zero fees for creating and holding an account, as well as for buying or selling stocks, ETFs, or Folios. Regulatory fees may still apply.

How is my money secured with OPTO?

All OPTO assets are maintained by Alpaca Securities LLC, an SEC/FINRA-registered broker. Your assets are insured by SIPC up to $500,000, and eligible cash funds are FDIC swept and insured up to $1,000,000 total.

What is the interest rate on uninvested cash with OPTO?

You can earn up to 3.5% APY on your uninvested cash. These eligible funds are moved to FDIC Sweep Banks for insurance coverage.

Is OPTO available on multiple devices?

OPTO is currently supported on iPhone and iPod devices, as indicated by the app data.

How often is OPTO updated?

The latest version of OPTO is 1.5.2, and it was last updated on November 21, 2025. This suggests a relatively recent update frequency.

Does OPTO have ads?

Yes, OPTO contains advertisements. This is indicated by the 'hasAds' flag being true in the application data.