ZEN.COM vs Fundology

ZEN.COM is a multicurrency account with a card and a digital wallet that make shopping and travel better. Pay at home and abroad, get more from every purchase and travel with peace of mind – all in one app. No need to switch banks – just switch cards. Pay better, get more, worry less Pay with your ZEN Card in shops and online, cover your subscriptions and book your trips – by card, phone or watch. Hold up to 35 currencies in one account, exchange them at the best rates and see what you’ve spent the moment you pay. Shop like always and earn cashback at 1,000+ partner stores, straight to your account. And if an order arrives faulty, wrong or not at all, ZEN Care Shopping Protection deals with the seller for you. Higher plans add more: Reward Zone, unlimited Shopping Protection and help claiming compensation when your flight is disrupted. Save money with cashback deals With ZEN.COM, you earn cashback on online shopping at hundreds of popular stores. Cashback rewards work with well-known brands such as AliExpress and Temu, along with many other shops. Choose the best and latest deals, enjoy special cashback offers and get real money back – no points, no coupons. Saving on everyday online shopping becomes effortless. Pay digitally and contactless Use your phone or smartwatch to pay quickly and securely. Add your card to Apple Pay or Google Pay to pay contactless wherever you shop. Whether shopping online or in store, payments are fast and easy. Multi-currency account with fair exchange rates Hold and manage multiple currencies in one mobile wallet. Pay in local payment methods at competitive foreign exchange rates with no hidden currency exchange fees. ZEN.COM is ideal for online shopping, exchanging travel money, calculating currencies and international spending – helping you avoid unnecessary conversion costs as you track and plan your personal finances. Send money simply Send digital money locally or internationally with transparent rules and no surprises. Use ZEN Buddies to send money instantly to other ZEN users. All transfers and payments are visible in one place, so you always know where your money goes. Secure payments and purchase protection Your payments are protected with ZEN Care. If something goes wrong with a purchase, you can request support directly in the app. How people in the UK use ZEN.COM • Emma shops online to find the latest hot deals at the best prices, and uses cashback rewards to save money on everyday purchases. • Fleur pays her subscriptions and does her online shopping using the ZEN virtual card. • James sends money, manages his personal finances and tracks monthly expenses in one app. Why choose ZEN.COM • Real-money cashback offers and fair exchange rates • Secure digital and contactless payments in store and online • One wallet for cards, transfers and spending • Secure payments with purchase protection • Clear pricing and full control over money management and expenses Download the ZEN.COM app and simplify how you pay, send, track and save money every day.

Fundology shows you what a fund actually did, in figures you can check. Headline returns are the easy part. What is harder to see is the return left after inflation has eaten into it, and after the charges have been taken out. Fundology puts those figures next to each other so you can read them at a glance. REAL RETURNS, NOT JUST HEADLINE ONES Every performance figure is shown twice: the nominal return, and the return after CPIH inflation using the Office for National Statistics series. A fund up 40 per cent over five years while prices rose 20 per cent did not leave you 40 per cent better off, and the app says so plainly. WHAT THE CHARGES COST The ongoing charges figure is shown as a percentage and, more usefully, as a cash figure: what the charge would have taken from a 10,000 pound holding over five years, compounded. Small percentages are easy to wave away. Pounds are not. HOLDINGS OVERLAP, IN PLAIN SIGHT Hold three global funds and you may be holding the same twenty companies three times over. Fundology reads the holdings each issuer publishes and works out how much of two funds is genuinely the same portfolio, position by position. Where a fund only discloses its largest holdings, the app tells you that rather than quietly guessing. THE COMPANIES UNDERNEATH Tap any holding to see the company behind it: sector, market capitalisation, price to earnings, dividend yield, 52-week range, and which other funds you are looking at also hold it. Market prices are delayed by at least fifteen minutes and are labelled as such wherever they appear. A WATCHLIST THAT STAYS QUIET Keep the funds you are reading about in one place, with a private note against each. No push notifications urging you to act, no daily nudges, no leaderboards. WHERE THE NUMBERS COME FROM Every figure carries its source and the date it was gathered. A data and sources screen lists each feed, its licence, and how fresh it is, including when something has gone stale. If we do not have a figure, the app leaves it blank rather than filling the gap. PLAIN ENGLISH A built-in glossary explains OCF, NAV, CPIH, Sharpe ratio, maximum drawdown, accumulation versus income units and the rest, with the method used to calculate each one. WHAT FUNDOLOGY DOES NOT DO It does not recommend funds. It does not rank them as good or bad. It does not sell your data, carry advertising, or accept payment for placement. There is no trading, no brokerage and no way to buy anything through the app. Fundology is an information tool. It is not financial advice and we are not authorised by the Financial Conduct Authority. You can browse without an account; an account is only needed to save a watchlist or notes, and you can delete it in the app at any time. Capital at risk. Past performance is not a guide to future returns. The value of investments can fall as well as rise, and you may get back less than you put in.