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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.

It's a pretty consistent pattern of late. Strong intra quarter and sell the news. The bottom line is the MSFT result was solid, circa 20% growth. I'm happy enough. The tech portfolio so far today is weathering the bumps well imo. And we sit at an all time high so a bit of volatility is manageable . Unlike some tech portfolios I know which are getting thumped One other thing-quality always comes back!

Palo Alto reported tonight. It's a good business but over valued imo. We sold it in Feb 25 in the 190s for one simple reason. It wasn't generating the growth its multiples suggested, i.e it looked very expensive. You are paying today 45X earnings for a 15% growth rate(act 3!). Why hold PEGs over 2 when there are others at half the price and lower, other things being equal. On this one important metric to put that into perspective. If Nvidia had these multiples it would be trading at over $1,000 and MU would be $2,000+. If fact we used some of the PANW proceeds to buy MU. PANW down 15%, MU up 340% since. Nvidia moves up after hours as Meta signs a multi year deal to further integrate additional Nvidia systems within its ecosystem. One week tomorrow...earnings and the guide!

Hi Siri It would be the 25/26 year now, if the birth is really close to tax year end just drop me a mail and I'll get the contribution set up. Cheers Nik

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.

As detailed by Adam above, Cobens have no part in the transfer process so please direct any queries to Quai The response posted above by Malcom is from Tony, the Chief Exec at Quai, we are not able to add anything to this.