Opti is a free Android app that helps you start saving in just five minutes. The app offers a free test that provides you with suggestions on suitable funds, and you can start your new savings directly in the app. Opti charges about half the fee compared to a regular fund. It is a trustworthy app that guarantees your deposit and bank ID and is independent of the banks. Opti invests your money according to Modern Portfolio Theory, which was awarded the Nobel Prize in Economics in 1990, giving you a very high level of diversification. The app also offers a savings coach in your pocket that provides you with tips on how to think, for example, when the stock markets are worried. Opti takes care of your savings automatically, reinvesting your profits and ensuring that you always have the best funds. The app provides you with an overview of all your fund savings across all banks, along with a clear, independent health check of each fund. Opti is supervised by the Swedish Financial Supervisory Authority and has a user agreement that ensures your savings are covered by the state Investor Protection and the Deposit Guarantee.