Built for the modern investor

Clarity beyond the noise.

Profile, Portfolio, and Market -- three connected views that turn your financial situation into something you can actually act on.

Build my portfolio → See a sample portfolio
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 designed to reflect how you respond to risk.
02
Macro signals built in — automatically
Lintu's model allocation responds to current macroeconomic signals. When recession risk rises, the model's allocation shows a more defensive tilt. When conditions improve, that tilt eases. 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
About an 8–10 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 provide market context for the model allocation.
Personalised to today's market
3
We optimise for risk, not just return
Your portfolio is built using CVaR-based optimisation with diversification and allocation constraints. 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.
Why it matters

More information doesn't always
create more clarity.

Most retail investment tools are designed to make complexity look like value. The more confusing the product, the higher the margin. Lintu is built on the opposite principle.

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Most people own more overlapping ETFs than they realize
Even across different providers, retail portfolios often hold significant overlapping exposure. Lintu shows you where you are actually exposed — not where you think you are.
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Macro conditions change your allocation
A portfolio built during low recession probability should look different from one built during elevated risk. Lintu's model updates as new market and macro data become available — the model allocation is never static.
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You deserve to understand what you own
Every weight, every signal, every model parameter is visible and explainable. Understanding your portfolio is not a premium feature — it is the entire point.
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
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GDPR compliant · data encrypted
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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
Ready to see
the full picture?
Three ways to go deeper — choose what resonates with you right now.
Why it matters Methodology Build your own →