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

Microsoft (MSFT) is broadening its AI-driven consumer health services with the launch of Copilot Health, which integrates data from a variety of sources—including wearable devices, health records, and lab test results—to deliver what it terms “medical intelligence.” The company sees this feature as a step towards “medical superintelligence,” defined by Microsoft as “health AI that can ultimately combine the broad knowledge of a general practitioner with the specialised expertise of a specialist.” Copilot Health will be rolled out gradually, initially in English in the U.S. for users aged 18 and over. Those wishing to gain early access can join a waitlist. It collects information such as activity levels, sleep patterns, and vital signs from over 50 wearable devices, including Fitbit, Oura, and Apple (AAPL) Health. It can also integrate health records, including visit summaries, medication lists, and test results, from more than 50,000 U.S. hospitals and providers via HealthEx. Lab results from Function can also be incorporated.

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.

Cheers Mate, I will carry this out on the 6th April.