After the risk assessment, the app said “Hardest part is now done. Excellent work!” and then dropped people on a home screen with a checklist. Nothing showed how their answers about goals, time and risk had shaped anything. Only a small share of people who finished the chat went on to the next step.

This is part two. Part one: choosing a portfolio with confidence →

Client feedback and onboarding calls kept circling the same questions. People couldn't connect the chat to their money, so the value of the whole onboarding stayed invisible.

“How does my investor profile influence my investment portfolio?”
“How do the answers in my profile influence the investment portfolio?”

— new users, from onboarding calls and feedback

I first explored the plan as more chat messages: your time horizon, your comfort with risk, your projection, one bubble at a time. It was thorough, and far too long to read. At the kickoff we agreed to stop building everything in a chat and make a summary instead.

So the question became: how might we turn the answers into a plan people can read in a minute?

• One week — we knew roughly what to build, so the sprint was short.

• Existing components only — no new UI kit for one screen.

• Non-pensioners first — pensioners needed a different plan.

• Every number needs context — projections come with disclaimers, but they can't take over the screen.

A short “Analysing” moment, then “Your plan is ready!”, then the plan itself: why this plan fits you, your strategy, how your money could grow, what Selma does for you, and the questions people ask most. One button takes you straight to choosing your portfolio theme, the screen from part one.

• Risk in human words — risk is three things: how long you invest, what you can afford to lose and how you handle swings. I wrote ten short statements, one for each level, so everyone reads their own situation.

• Growth, simply — two lines: your money with Selma versus a typical savings account. Sliders and custom values came out; disclaimers moved into a help sheet.

• A moment to build anticipation — a short analysing animation makes the plan feel made for you, not pulled from a table.

• No dead ends — the plan hands you straight to the next decision instead of back to a checklist.

After the release, the share of non-pensioners moving from the risk assessment to the KYC step kept rising month after month. Together with part one, it nearly doubled. There was no sudden jump on release day: the plan kept the climb going. To be fair: other onboarding changes landed the same week.

What I'd take with me: a questionnaire only builds trust if people see what you did with their answers. Next time I'd release this on its own, not in the same week as other onboarding changes, so its effect is easier to read.

What happened next: a month later, the plan was extended to pensioners in a follow-up project.

Exact figures are confidential. Amounts in screenshots are examples. Reach out for the full story.