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The platform offers a structured approach to capital markets through diversified portfolios and ETF savings plans, adapted to modern investment standards.<br><br>Investing through Genius is transparent, cost-effective and flexible – with no fees for deposits or withdrawals.<br><br>DIVERSIFIED ETF PORTFOLIOS<br><br>The main service for building long-term capital. The Genius algorithm, under the supervision of InterCapital's expert team, creates and manages a portfolio adapted to your risk profile.<br><br>• Access to regulated global ETFs<br>• Individual adjustment of risk tolerance<br>• Regular professional portfolio rebalancing<br>• Minimum first payment: 50 EUR<br>• Degressive management fee (decreases over the first 5 years)<br><br>CASH MANAGEMENT<br><br>Effective management of liquid assets with a focus on value preservation. The funds are invested in low-risk instruments without a contractual term commitment (term deposit).<br><br>• High liquidity, suitable for short-term management of excess funds<br>• Funds available for withdrawal at any time - no fee<br>• Minimum initial payment: 50 EUR<br><br>ETF SELECT – SAVINGS PLANS<br><br>A simple and affordable model of independent investment. Choose ready-made plans:<br><br>• S&amp;P 500, NASDAQ, MSCI World<br>• Regional ETFs managed by InterCapital<br>• Exposure to the precious metals market (via regulated ETFs)<br>• Ideal for periodic payments and replenishment of the core portfolio<br>• Fee: from 1 EUR per month per portfolio<br><br>INVESTMENT IN THE GOLD MARKET<br>Access to the value of gold via ETF instruments, without the need for physical custody or complex logistics.<br>• Investing in gold through regulated financial instruments (ETFs)<br>• Full control and liquidity<br>• Minimum first payment: 50 EUR<br><br>No advanced financial knowledge is required to get started. Genius guides you through the process of creating a quality plan and manages your long-term strategy.<br><br>-----------<br><br>FINANCIAL TRANSPARENCY AND ANNOUNCEMENTS:<br>Genius by InterCapital is a service of InterCapital Digital Wealth Management d.o.o., Masarykova ulica 1, 10000 Zagreb, Croatia.<br><br>REGULATION AND LICENSES:<br>The company is under the supervision of the Croatian Financial Services Supervisory Agency (HANFA) and has licenses for investment services and activities (1-04, 1-05, 2-01). LEI: 74780070J3ER16VGF193<br><br>CHECK IN THE COURT REGISTRY: https://sudreg.pravosudje.hr/ords/r/esudreg/public/28?p28_sbt_mbs=081650402<br><br>COSTS AND FEES:<br>Using the Genius app is fee-free for deposits and withdrawals. A portfolio management fee applies to investment portfolios. A detailed view of all costs is available at: https://www.geniusapp.com/troskovi-ulaganja<br><br>PRIVACY RULES:<br>https://www.geniusapp.com/pravila-privatnosti","app_summary":"'Genius by InterCapital', published by a Croatia-based company. The app was last updated on 09 June 2026. Released in US on 15 September 2021 and globally on 15 September 2021. 'Genius by InterCapital' belongs to the 'Finance' category maintaining a content rating of 'Everyone'. Last month's estimates were < 5k downloads. The app is available in Croatia, Serbia, and Hungary but not being advertised actively. Sign up / Sign in to learn more about the time spent, session durations, usage & engagement (DAU, WAU, MAU), retention, churn, marketshare, growth trends, and other market statistics.","short_description":"Choose a long-term investment - create your portfolio"},"has_in_app_purchases":false,"installs":"100K - 500K","language":"EN","support_url":"https://www.geniusapp.com","top_countries":["HR","RS","HU"],"valid_countries":["AE","AO","AR","AT","AU","AZ","BD","BE","BF","BG","BH","BJ","BO","BR","BY","CA","CG","CH","CI","CL","CM","CN","CO","CR","CY","CZ","DE","DK","DO","DZ","EC","EE","EG","ES","FI","FR","GB","GE","GH","GR","GT","HK","HR","HU","ID","IE","IL","IN","IQ","IT","JO","JP","KE","KH","KR","KW","KZ","LA","LB","LK","LT","LU","LV","LY","MA","ML","MM","MO","MT","MX","MY","MZ","NG","NI","NL","NO","NZ","OM","PA","PE","PH","PK","PL","PT","PY","QA","RO","RS","RU","SA","SE","SG","SI","SK","SN","SV","TH","TN","TR","TW","TZ","UA","UG","US","UY","UZ","VE","VN","YE","ZA","ZM","ZW"],"available_countries":["HR","US","NO","CZ","PL","NL","FI","GR","TR","HU","VN","RO","CN","SA","DK","SG","CY","BY","KW","IQ","CL","AT","AE","NI","PE","SV","IE","LK","BO","MM","MO","TH","MY","LY","UY","MG","CH","IL","YE","PT","PY","OM","BE","SK","AZ","GH","LB","CO","DZ","KH","DO","QA","TN","PK","AO","AF","BH","LT","UZ","BM","SI","EC","GT","EE","CR","MA","KZ","MT","MZ","BB","LV","GE","VE","ZA","EG","PA","LU","NZ","HK","KE","RS","BG","AR","UA","PH","DE","SE","AU","BR","CA","FR","GB","JP","KR","MX","ES","IT","RU","IN","ID","NG","TW","BD","BJ","BF","CM","CG","CI","JO","LA","ML","SN","TZ","UG","ZM","ZW"],"pre_order_countries":[],"website_url":"https://www.geniusapp.com","app_id":"hr.icam.genius","app_view_url":"/android/us/intercapital-digital-wealth-management-d-o-o/app/genius-by-intercapital-etfs/hr.icam.genius/","country":"US","icon_url":"https://play-lh.googleusercontent.com/7tt2dCL5jnkreBp64nHdvciOX1flAcuBTeFMFA_BiS2FgNkxGhKMEiS2RAsbC06IXF_Hxh3zzL2o1yd6OUNdJw=s150","name":"Genius by InterCapital: ETFs","os":"android","price":{"currency":"USD","value":0,"string_value":"$0.00","subunit_to_unit":100},"publisher_id":"InterCapital+Digital+Wealth+Management+d.o.o.","publisher_name":"InterCapital Digital Wealth Management d.o.o.","publisher_profile_url":"/publisher/android/InterCapital+Digital+Wealth+Management+d.o.o.","rating":3.788732394366197,"rating_breakdown":[16,2,6,4,43],"rating_count":71,"country_release_date":1631664000000,"current_version":"3.15.0","file_size":"Varies with device","first_released_in":["HR"],"minimum_os_version":"8.0","publisher_country":"Croatia","recent_release_date":1780963200000,"release_date":1631664000000,"release_status":"WORLDWIDE_RELEASE","supported_languages":[],"worldwide_release_date":1631664000000,"store_removal_date":null,"cohort_id":null,"worldwide_last_month_revenue":{"unit":"cent","type":"currency","currency":"USD","value":100000},"worldwide_last_month_downloads":{"unit":"unit","type":"integer","value":1000},"category_rankings":{"app_id":"hr.icam.genius","country":"US","android":{"top_free":null,"top_grossing":null,"top_paid":null}}}