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

Lots of Micron news flooding in. Impressive stuff... 50% overnight hike in NAND flash prices (as highlighted by Phison and industry trackers) is proving exceptionally positive for Micron Technology.This surge, rooted in acute supply constraints and explosive AI infrastructure demand for enterprise SSDs, directly enhances Micron's profitability. Margins will expand with earnings, driven by products like G9-based PCIe Gen6 SSDs and massive QLC models (122TB/245TB) qualifying at hyperscalers (those a simply massive solid state drives). And to give you an idea the 50% is a blended 'nand' price price. Cutting edge drives EG 122TB QLC was quoted $12,400 and jumped to $37,000, almost over night. Hard to get your head around that The pricing power from the shortage lifts average selling prices sharply (NAND ASPs projected to rise ~127% in 2026), boosting gross margins and free cash flow. Micron has pivoted away from lower-margin consumer segments (exiting Crucial brand) to prioritise enterprise/data centre allocations, gaining market share amid tight supply. Earnings next Wednesday. It will be explosive imo.

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.

Yikes….3-4 weeks but can take longer doesn’t bode well for a FY25-26 result There we were thinking a month should be fine 🫣 Fingers crossed