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Previously we updated the dashboard at around 9.30am. Going forward the system will be updated between 11am and midday. This is because the files from WBS don't arrive until 8.30am.

Thank you

Hi O, I wouldn't read too much into the midterms from an investment perspective. Historically, markets have generally performed well in the 12 months following midterm elections, irrespective of which party controls Congress. A weakened Trump administration could actually be positive for markets, particularly if it reduces the scope for further disruptive policy decisions. Political gridlock is not necessarily a bad thing for investors. Ultimately, corporate earnings, interest rates and economic growth will determine market direction, not the election results. In particular, the structural growth in AI and associated infrastructure spending is unlikely to be materially affected. The facts remain that over the last 2 quarters the earnings and guidance of our holdings have hit records whilst prices have moved sideways. Multiples are at historical lows too. It's a disconnect which always corrects.

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Hi As per my email yesterday the CGT reports are generated by the custodian and we are waiting for the API links form the new custodian to be finalised. Once that is done the reports will be back on the portal. In the meantime just drop me a message and I will run a manual report for you Cheers

@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.

Thanks Nik