# OPTO: Invest Smarter — Build Your Own Stock Index > Automated stock index investing with zero fees and cash interest. (iPhone/iPad app by OPTO.) - Source: https://appshunter.io/ios/app/opto-invest-smarter/id1609984506 (this page in markdown: same URL + `.md`) - Developer: [OPTO](https://appshunter.io/developer/1735963923) - Category: Finance, News - Price: Free - Rating: 4.00/5 from 24 App Store ratings · 11 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 104 MB - Languages: American English - Released: 2023-03-09 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/opto-invest-smarter/id1609984506/reviews.md ## What is OPTO? OPTO – Smart Investing, On Autopilot Invest like a pro without the fees**. OPTO lets you design your own stock index while automated rebalancing keeps your portfolio aligned with your strategy—no manual adjustments needed. DESIGN YOUR OWN INDEX Build your own Folio from multiple stocks, allocated using a professional strategy—automatically rebalanced quarterly. ZERO FEES Creating and holding an OPTO account is free*. Enjoy zero fees when buying or selling stocks, ETFs, or Folios—so you can invest without extra costs. PROFESSIONAL STRATEGIES Invest with confidence using elite-level portfolio strategies. OPTO gives you tools and insights to invest like a pro, without the high fees. 3.5% INTEREST ON YOUR CASH Earn up to 3.5% APY on uninvested cash. Eligible funds are moved to FDIC Sweep Banks, insured up to $1,000,000 total ($250,000 per bank). AUTOMATIC REBALANCING Let automation do the heavy lifting. Your portfolio is rebalanced quarterly, keeping your investments aligned—removing the guesswork. YOUR MONEY IS SECURE Security is our priority. All OPTO assets are maintained by Alpaca Securities LLC, an SEC/FINRA-registered broker, insured by SIPC up to $500,000. GLOBAL PEDIGREE OPTO is a subsidiary of CMC Markets, a FTSE 250 fintech company with 34+ years of history, 1M+ investors, and 12 offices worldwide. --- *Past hypothetical backtest results do not guarantee future returns, and actual results may vary from the analysis **Regulatory fees may apply Investing involves risk, including possible loss of principal. Opto is not a broker-dealer, investment adviser or member of FINRA. Please see www.optothemes.com. Securities offered by Alpaca Securities LLC (“Alpaca Securities”). AlpacaSecurities is a member of FINRA and the Securities Investor Protection Corporation. Please see alpaca.markets. ***Effective rate as of November 4th, 2025. Rates are subject to change. Our clearing broker, Alpaca Securities offers a cash management program pursuant to the FDIC Bank Sweep. Customer funds are treated differently and are subject to separate regulatory regimes depending on whether customer funds are held in their brokerage account or within the FDIC Bank Sweep. Specifically, Alpaca Securities is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). The Federal Deposit Insurance Corporation (FDIC) insures up to $250,000 per deposit against the failure of an FDIC member bank. Customer funds held in brokerage accounts are SIPC insured, but are not eligible for FDIC insurance coverage. Funds maintained in the FDIC Bank Sweep are intended to be eligible for pass-through FDIC insurance coverage, but are not subject to SIPC coverage. FDIC insurance coverage does not protect against the failure of Alpaca, Alpaca Securities, or any of its or their affiliates and/or malfeasance by any Alpaca or Alpaca Securities employee. Program banks that participate in the FDIC Bank Sweep are not members of SIPC and therefore funds held in the Program are not SIPC protected. Please see alpaca.markets/disclosures for important additional disclosures regarding AlpacaSecurities brokerage offering as well as FDIC Bank Sweep terms and conditions ## Key features - 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 ## Recent user reviews (10 of 11) All indexed reviews: https://appshunter.io/ios/app/opto-invest-smarter/id1609984506/reviews.md ### 5/5 — Love it *2024-10-25, version 1.2.31* So helpful to find new stocks based on themes, great UI ### 4/5 — Best App for market news *2024-10-17, version 1.2.29* The thematic Investing is a great feature that you can’t find anywhere else ! ### 5/5 — Good app for a moderate risk investor *2024-05-24* 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. ### 5/5 — Great design, good features *2024-05-22* 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. ### 1/5 — Login process is now completely broken *2024-05-08, version 1.2.2* Fantastic app but recent changes mean you need to reset your password every time you login. ### 5/5 — Love this App *2023-09-28, version 1.1.18* This App provides a very good thematic overview of markets & great insight into how each particular theme is performing. It is a great pointer to start doing further research into areas of the market that any investor might have missed. E-Mail updates are also good & timely. ### 5/5 — Newcomer to Thematic Investing *2023-04-13, version 1.0.11* - Wanting to explore Thematic Investing opportunities separate to my lower risk equity portfolio….this app works for me -Wanted an app that is user friendly, quickly and regularly updated, offering new opportunities that interest me….this app does that with detail relevant to investors new to thematic investing - Find the reviews from world renowned expert investors really interesting and helpful ### 5/5 — Great tool for ETF and theme based investing research *2023-03-16, version 1.0.3* Discoverability of themes/ETFs in the app is simple and effective. Have found the insights and update market performance data helpful. It’s also useful to be able to find related ETFs and view which ETFs a company is included in. That’s pretty useful! ### 5/5 — Best app on thematic investing *2023-03-06, version 1.0.3* A one-stop-shop for everything you need on thematic investing and keeping up with market trends. The app includes the latest news on a range of future-forward sectors, exclusive content ranging from thematic investment guides to interviews with finance greats, and data tracking the top ETFs and stocks on the market. A must-have! ### 5/5 — Great for comparing ETFs *2023-03-05, version 1.0.3* This app is great for comparing ETFs. I like that they’ve already selected the best in each theme so it’s easier for me to choose. ## Frequently asked questions about OPTO ### 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. ## Version history (last 5 releases) ### 1.5.2 — 2025-11-21 Minor bug fixes and performance updates ### 1.5.1 — 2025-11-20 Minor bug fixes and performance updates ### 1.5.0 — 2025-11-07 Minor bug fixes and performance updates ### 1.4.12 — 2025-11-04 Minor bug fixes and performance updates ### 1.4.11 — 2025-10-29 Minor bug fixes and performance updates ## Apps similar to OPTO | App | Rating | Price | Category | | --- | --- | --- | --- | | [Moneycontrol - Markets & News](https://appshunter.io/ios/app/moneycontrol-markets-and-news/id408654600) | 4.2 (2,381) | Free | Finance | | [Tradier](https://appshunter.io/ios/app/tradier/id6466657711) | 4.5 (442) | Free | Finance | | [Prospero.Ai - AI Stock Trading](https://appshunter.io/ios/app/prosperoai-ai-stock-trading/id1529837512) | 4.4 (54) | Free | Finance | | [Webuild Corporate](https://appshunter.io/ios/app/webuild-corporate/id1298651880) | — | Free | Finance | | [dSPAC: Invest & Trade](https://appshunter.io/ios/app/dspac-invest-and-trade/id1597442261) | 4.7 (12) | Free | Finance | | [Candlestick: AI Auto-Invest](https://appshunter.io/ios/app/candlestick-ai-auto-invest/id6738876659) | 4.0 (3) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*