No black boxes.
No surprises.

Most investment tools ask you one question: "How much risk can you handle?" We think that's too simple. The way you actually behave with money — under pressure, in a crash, when things are going well — matters just as much as your income or your age.

So we ask 33 questions across four areas: how long you can invest for, how you react when markets fall, how much you know about investing, and how you naturally make decisions. Takes about 8–10 minutes. No financial jargon.

At the end you get a score from 0 to 100, and a bird.

The bird isn't decoration. It's shorthand for a specific combination of time horizon, loss tolerance, and decision style — and it directly shapes every number in your portfolio.

A portfolio built for sunny skies should look different from one built when storm clouds are gathering. Before we set a single weight, Lintu reads eight live economic indicators — things like unemployment trends, bank lending, and the gap between short-term and long-term interest rates — and estimates how likely the economy is to be heading into a recession.

This isn't a guess. It's a machine-learning model trained on 65 years of US economic history. When the probability of a recession is high, your portfolio shifts a little more defensive — more bonds, fewer equities. When things look stable, it leans into growth.

Your investor profile and the current economic outlook together produce a target split across four buckets: equities (shares), bonds, commodities (things like gold and oil), and — if your risk profile supports it — a small allocation to digital assets.

A Falcon with a stable economic backdrop might look like 75% equities, 20% bonds, 5% commodities. A Heron in a high-recession-risk environment might be 45% equities, 45% bonds, 10% commodities. The mix is specific to you and to right now.

There's no leverage. No short positions. Nothing exotic. The goal is a diversified portfolio you can actually hold through a bad year without panicking.

Within each bucket, Lintu selects from a universe of 38 exchange-traded funds — pre-screened for size, cost (under 0.75% per year), and track record. ETFs are diversified baskets of securities, not individual stocks. One ETF might hold 500 different companies.

The weights across those ETFs are then calculated to keep your risk as low as possible for the return you're targeting. We use a method called CVaR minimisation — which in plain English means: we try to make sure the bad scenarios aren't catastrophic, not just that the average is acceptable.

We apply your exact portfolio weights to five historical market crises and show you what would have happened — how far your portfolio would have fallen, how long it would have taken to recover, and how much the Lintu macro model would have helped (or not).

This isn't meant to scare you. It's meant to make sure you understand what you're signing up for — before you put real money in.

Nobody knows what markets will do. Anyone who says otherwise is selling something. What we can do is run thousands of plausible futures for your portfolio — based on how markets have behaved over the past century — and show you the honest range of outcomes.

After 10 years, the best 5% of scenarios might show your portfolio tripling. The worst 5% might show it barely breaking even. The middle — the median outcome — is what you should base your expectations on.

Once your portfolio is built, we show you exactly which industries your money is in — technology, healthcare, financials, energy, and so on. If you work in banking and don't want more exposure to financials, or if you have a strong view on energy, you can use the sector sliders to tilt your portfolio in a different direction.

The system will tell you what would need to change in your ETF weights to get there, and whether it's actually achievable given your current allocation. No promises we can't keep.