@mikeiow I'm in a similar boat. Too much time on my hands and with a few pennies to spend at the bookies (I mean stock market). I used a spredsheet to come up with the chart, but couldn't produce anything other than dots on a scatter chart. There were no labels next to each dot, other than their value. I, also, couldn't produce the curves on the same chart. @Adam-Kay thanks for the steer. I'll do some googling at SD and beta.

Hi R, Yes it's a display gremlin. Ive notified admin to fix it. Ive looked at the Switch and that has been processed. Being two legs to the transaction , one out and one in the DB shows one but not the other. Regards Adam

Ok thanks.

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

It's a bit more nuanced than that, G. And glad you did something nice with your gains, that's what it's all about, benefiting through investment. People will always take profit into new highs, we've discussed the psychology What are 'expectations'? You could say even higher than what was delivered so is it the first point or the second? For example MSFT X, I posted those numbers(official market expectations) and they comfortably beat, all the reporting entities did. However different reactions. You might also have noticed after hours RED/GREEN/RED(same company) and then at the open big Green. Derivatives in play again. You will often hear the cliche 'it's priced in'. I'm not a fan of the catchphrase. It's largely nonsense. The PH resident IFA will say 'you don't have an edge against the pro' just word-salad. You don't need an edge, just don't chase meme stocks, chase quality and have some patience. That is why we simply stay the course. A drop yesterday and looks like(given 300+ futures) gains today.

ExIM, No problem, no intention of engaging but im not about to let intentional misinformation go unchecked.

Today Alphabet announced its quantum-computing team delivered a verifiable quantum advantage via its “Willow” chip and “Quantum Echoes” algorithm running ~13,000× faster than a classical supercomputer. This isn’t just hype — the hardware, software stack and experimental validation all align. On top of that, Alphabet remains one of the most profitable companies in the world: it reported a net income in excess of US$100 billion in its latest full year. In the battleground of mega-cap tech, alphabets like Nvidia Corporation, Microsoft Corporation and Apple Inc. grab the headlines — but Alphabet quietly leads in profit, while trading at a discount to them. Why that matters: It shows Alphabet is not just a search and ads company — it’s positioning for the next frontier of computing (quantum, AI infrastructure, cloud). It gives it a solid financial base: when profit margins are strong and cash flows healthy, you have the flexibility to experiment and pivot. OTHER BETS It may mean the market is under-estimating Alphabet’s upside: if these emerging bets pay off, the valuation gap could shrink. Yes, hurdles remain (commercialising quantum, cloud dominance, regulatory headwinds), but dismissing Alphabet now would overlook its smart strategy and deep pockets.

Thanks Mike. Hi Eldar, The Money Markets portfolio is a very low-risk investment designed to act much like cash. It invests mainly in short-dated, high-quality instruments such as Treasury bills, certificates of deposit and commercial paper, aiming to preserve capital and provide a steady return. The fund closely tracks short-term interest rates, so its yield moves in line with the Bank of England base rate. The price is usually very stable, and you can normally access your money within 3 working days via your investment platform. It’s often used as a cash-like holding for short-term funds or by investors waiting to reinvest. It offers a competitive yield compared with many savings accounts(net 3.7% after fees), currently. In practice, it behaves much like cash, but sits within an investment account rather than a bank.

Cheers Adam What a strange thing, exactly the same rounded up or down to the nearest quid

I thought it would be that, but it was worth asking, just in case. Many Thanks

Ah, cool, that is very helpful thanks! Certainly gives her some additional options - clearly she is 'used to' Aviva, but I am explaining how Aviva seem to be a bit stale in their options! I will sort a call with you in a week or two. Cheers

No fees other than the 0.35% annual management fee, applied monthly

quai undertaking maintenance.

Thanks for taking the time to reply Adam << thumbs up thingy>>

Hi Ron Vertex Pharmaceuticals stock took a hit after announcing that its experimental non-opioid painkiller, VX-993, failed to meet the primary endpoint in a Phase 2 trial for acute pain. This sharp decline appears to be an exaggerated market response, given several key factors about Vertex’s broader portfolio and financial standing.Firstly, VX-993 is one of three pain therapies in Vertex’s pipeline, with the company’s lead pain drug, JOURNAVX (suzetrigine), already FDA-approved in January 2025 for acute pain. VX-993, still in early-stage development, was not monetised and thus not factored into the stock’s valuation. Vertex is also pursuing VX-993 for peripheral neuropathic pain (PNP) and developing NaV1.7 inhibitors, maintaining a diversified pain management portfolio. Secondly, Vertex’s financial performance remains robust. Q2 2025 revenue reached USD 2.96 billion, a 12% year-on-year increase, beating analyst expectations of USD 2.91 billion. Adjusted earnings per share were USD 4.52, exceeding forecasts of USD 4.27. The cystic fibrosis (CF) franchise, led by Trikafta, drove this growth, with U.S. sales up 14% and international revenue rising 8%. Vertex reaffirmed its full-year revenue guidance of USD 11.85 billion to USD 12 billion, aligning with consensus estimates of USD 11.93 billion. Emerging therapies, such as Casgevy (USD 30.4 million in Q2 revenue), further bolster Vertex’s growth trajectory.The market’s reaction seems disproportionate, as VX-993’s failure was not a significant valuation driver, per analysts from Bernstein SocGen and BMO Capital, who maintained positive ratings with price targets of USD 471 and USD 530, respectively. The trial’s high placebo effect may have contributed to the statistical miss, and Vertex’s pivot to PNP trials for VX-993 suggests continued potential. Vertex is a world class Pharma with the very best scientists. It's a set back on one trial(of dozens). When pushing the limits of science it's very common and it changes nothing in regards the 'valuation'. In any event we were taking profit in the late $400s and early $500s 2-3 quarters ago. Then a relatively large weight and more recently the second smallest.

It’s probably just anticipating Trump being Trump every few minutes

Yep....me , just landed and invested in time for the usual Friday drop ( Quick edit: as thought complete 720 RAS added 31July wiped out 1 August . Talk about Tariffs and nuclear war sure helps )

Yeah I'm currently not paying anything into my ISA each year, but that's sat at around £110k, with my pension pots amounting to around £225k. Wanted to get a chunk more into my pension until that is on track to grow comfortably with just my workplace contributions, then look to focus a bit more on the ISA to bridge any potential gap and leave some flexibility if I decide to change careers as I begin to wind down.