App Profile: OPTO: Invest Smarter

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.

4% INTEREST ON YOUR CASH
Earn up to 4% 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.


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*Relevant 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”). Alpaca Securities is a member of FINRA and the Securities Investor Protection Corporation. Please see alpaca.markets.


*Effective as of March 21st. Rates are subject to change.

Our 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. The Program’s enhanced FDIC insurance coverage is limited to the aggregate number of participating program banks, multiplied by the FDIC insurance limit (i.e., $250,000). The total number of program banks is subject to change and Alpaca Securities may not utilize all program banks at all times which will affect the Program’s enhanced FDIC insurance coverage amount. In addition, if a customer has a direct banking relationship with a program bank this may affect the amount of funds that are potentially eligible for FDIC-pass through insurance coverage. There is no guarantee that customer funds will be held in such a manner as to maximize possible FDIC pass-through insurance coverage. Please see alpaca.markets/disclosures for important additional disclosures regarding Alpaca Securities brokerage offering as well as FDIC Bank Sweep terms and conditions.