Built from inside the system
Penny came from a simple insight: that the most powerful financial instruments work less hard for those carrying the most.
Before Penny, our founder Lesley Tully spent five years inside one of Ireland's biggest banks –– long enough to see how wealth really gets built. Not through income or discipline, but through structures: pensions, tax relief, compounding. Tools that quietly turn time into wealth in the background.
The problem is they all depend on uninterrupted time in the system –– the one thing women are least likely to have.
Career breaks, part-time work, caregiving, starting businesses later all create gaps the system was never designed to handle. And because of it, women retire with 30–40% less than men on average. Not because they aren’t thinking about their future, because nobody designed financial products around how they actually live.
Penny was built to change that with private, portable pensions that move with women through every stage of life.
Penny came from a simple insight: that the most powerful financial instruments work less hard for those carrying the most.
Before Penny, our founder Lesley Tully spent five years inside one of Ireland's biggest banks –– long enough to see how wealth really gets built. Not through income or discipline, but through structures: pensions, tax relief, compounding. Tools that quietly turn time into wealth in the background.
The problem is they all depend on uninterrupted time in the system –– the one thing women are least likely to have.
Career breaks, part-time work, caregiving, starting businesses later all create gaps the system was never designed to handle. And because of it, women retire with 30–40% less than men on average. Not because they aren’t thinking about their future, because nobody designed financial products around how they actually live.
Penny was built to change that with private, portable pensions that move with women through every stage of life.
Penelope And Her Suitors is a drawing by Mary Evans Picture Library
