Need to contact Cobens Direct? Please visit our contact page: cobensdirect.co.uk/contact or you can call us on 0203 301 1242. Our office hours are: 9:00AM - 5:30PM Monday to Thursday 9:00AM - 5:00PM Friday We are closed on UK bank holidays.

Myself and Nik will be around next week but I'll be away for a few days before Xmas to recharge the batteries before the madness starts Just wanted to say we at Cobens wish you all a very happy holidays. Here's to a productive 2026.

Hi JQ74, Ive discussed how markets move when uncertainty flares up and how quality rebounds. I would say that there hasn't been a noticeable dip and YTD overall we are doing very well. Nearly all other external portfolios im looking at are red and most of ours are positive. On communication, unless we have a specific need to contact you we generally don't, rather, relying on any Direct Clients to use the forum, the dashboard and contact us if they need assistance, guidance etc. No one can say what the market will do day to day however over decades when wars start, volatility increases for a period. As mentioned we have, so far been relatively unscathed. This is due in part to the USD which is seen as secure in uncertain times. I can also say with confidence that the businesses we invest in are largely unaffected notwithstanding longer term impacts from inflation and energy costs if the situation persists but even so that would be very small. It would be a concern if we held hospitality or infrastructure assets in the Gulf-we dont have any exposure. If you want to discuss anything I'm happy to set up a call, alternatively you can email us: support@cobensdirect.co.uk Regards Adam

Things are busy at MU HQ..... Micron Technology has announced plans to expand its newly acquired Tongluo site in Taiwan with a second chip manufacturing facility focused on DRAM and high-bandwidth memory (HBM). The acquisition of the site from Powerchip Semiconductor Manufacturing Corporation was valued at USD $1.8 billion and includes around 300,000 square feet of existing 300mm cleanroom space. The expansion will add roughly 270,000 square feet of additional cleanroom capacity, with construction expected to begin by the end September 26. Production from the existing facility is anticipated to begin around fiscal 2028, meaning the expansion will not materially affect near-term DRAM supply.

Try this [image: 1773073791510-screenshot-2026-03-09-at-16.29.26.png]

A shame you can’t ’back-date’ your ISA contributions, but at least a reminder to fill them now & moving forwards

@n5tew Good morning, to answer your questions, yes there are a handful of lenders that still offer offset mortgages, though they’re relatively niche now. With these, you only pay interest on your mortgage minus what’s in a linked savings account, which can significantly reduce your interest costs if you hold a large savings balance. There are indeed fixed rate products although they will tend to be notably higher than your conventional fixed rate products. If you would like to discuss this in further detail, please let me know, my email is michael.searle@cobens.co.uk, or we can arrange a meeting to dive into specifics.

Okay.... Darrell has sent two forms: Accessing Pension Benefits Advice Declaration Points to Consider when taking benefits from your pension She has managed to edit them (no easy feat with a pdf!) & sent them back .... but a slight concern remains that his letter ended with "Once we have received this confirmation, we will issue you with a My Choice of Pension Benefit Form and a Points to Consider form." ....it feels like those are the two forms he sent her?! Hopefully it can all proceed with no issues. It's a piffling amount really, but she does want to get the maximum she can for FY25-26!