How Can Penny Help Me Understand My Investments?

Investing doesn't have to be complicated.

Penny is designed to help you understand your investment products without needing to learn technical financial language or search through multiple screens.

Simply ask Penny a question, and she'll explain your investments in clear, straightforward language. Penny is designed as an educational investment companion that can explain investing, help you understand your own portfolio and assist with eligible investment actions, while not providing financial advice.

Ask Questions Naturally

You can ask Penny questions such as:

• "How are my investments doing?"
• "How much is my portfolio worth?"
• "How much cash do I have available?"
• "How much ISA allowance do I have left?"
• "Which investment has performed the best?"
• "Show me my investment performance."

Penny will find the information and explain it in a way that's easy to understand.

Understand Your Portfolio

Penny can help you explore your investment products by showing information such as:

• Your overall portfolio value.
• How your investments have performed.
• Your available cash balance.
• Your account balances.
• Your investment history.
• Your recurring investment contributions.
• Your remaining ISA allowance.

Rather than presenting lots of figures, Penny explains what they mean and highlights the most important information for you. These are the core portfolio insights Penny is designed to provide.

Learn as You Go

If there's something you don't understand, just ask.

Penny can explain:

• Investment terms.
• Different investment products.
• ISAs, GIAs and Pensions.
• How investing works.
• General investment concepts.

Her goal is to help you feel more confident by making investing easier to understand.

Track Your Progress

Penny can help you see how your investments change over time.

Whether you're checking your overall performance, reviewing a particular account or looking back at previous activity, Penny helps you stay informed about your investment journey.

Take Action

Where available, Penny can also help you begin eligible investment actions, such as:

• Opening investment products.
• Depositing money.
• Withdrawing money.
• Setting up recurring contributions.

For actions involving your investments, you'll always be asked to review and confirm the details before anything is completed. Eligible investment actions are handed to the app for your confirmation rather than being completed automatically.In Summary

Penny helps you understand your investments by:

• Answering questions about your portfolio in plain English.
• Explaining investment products and terminology.
• Showing your portfolio value and performance.
• Helping you understand your ISA allowance and account balances.
• Tracking your investment progress over time.
• Helping you start eligible investment actions when available.

Penny is designed to make investing feel simpler, clearer and easier to understand—helping you stay informed without the jargon.