Built for the modern investor

Clarity
beyond the noise.

We built the analytics tools that institutional investors use — and made them work for everyone else.

See your portfolio free → See the portfolio tool
What makes us different

Not another
automated platform.

Most investment tools put you in a bucket. Lintu builds around you — your risk appetite, your time horizon, and the macro environment right now.

01
Built around your behaviour, not a questionnaire tick-box
We ask 33 carefully designed questions that measure how you actually make decisions under pressure — not just what you think you prefer on a good day. The result is a portfolio you're far less likely to panic-sell.
02
Macro signals built in — automatically
Your allocation adjusts based on current macroeconomic signals. When recession risk rises, we become more defensive. When conditions improve, we lean back in. Smoothly, continuously, without cliff edges.
03
You can see every decision we make
Every allocation — every weight — is explained step by step. You can see the inputs, the formula, and the output. And you can adjust the parameters within safe bounds. No black box.
How it works

Four steps to your
personal portfolio.

1
Tell us about yourself
A 15-minute questionnaire covers your financial background, investment goals, time horizon, and how you respond to risk in real-life situations. No jargon. No trick questions. Just an honest conversation.
2
We read the macro environment
Before building your portfolio, Lintu checks the current state of the economy — inflation trends, credit conditions, employment data, and our own recession probability model — to calibrate how aggressive or defensive your allocation should be right now.
Personalised to today's market
3
We optimise for risk, not just return
Your portfolio is built using institutional-grade risk optimisation — the same methods used by professional fund managers to minimise losses in bad scenarios while capturing growth in good ones. The result is a diversified allocation of ETFs calibrated to your personal risk level.
ETF-based · diversified · transparent
4
You stay in control
See exactly how your portfolio was built. Adjust the risk level and recession assumptions within safe bounds. Add individual ETFs from the universe we track. Rebalance when your circumstances change.
Designed with trust

Analytics only.
Your data, protected.

Lintu is an analytics and decision-support platform. We provide information — we do not execute trades, hold assets, or give regulated financial advice.

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Registered in Helsinki, Finland
🔒
GDPR compliant · data encrypted
📊
Analytics only · no trade execution
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Your data is never sold or shared
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Full transparency on every decision
See your
analytics picture.
Answer 33 questions. Get a macro-conditional ETF analysis built around your risk profile. Free to start.
See your analytics free →
Learn more about our methodology →
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