@Ducati996R Hi Clive drop me a message nik.burrows@cobensdirect.co.uk Cheers

Ok sure, send it over

@Adam-Kay said in Dashboard performance charts.: J, I wish you’d mentioned this a while ago. [image: 1740153593731-screen-shot-2025-02-21-at-15.56.38.png] Crumbs. That's not shabby.

Great to hear Ron. That portfolio has been very productive. I’m very proud of it and very pleased for anyone who put their hard earned money into it.

@Renmure-Jim said in Remaining ISA allowance bug in the system?: I’ve taken advantage of the flexible ISA a couple of times for significant purchases within a tax year and found the withdrawing and repaying to be pretty simple and intuitive. I'll second this. Most ISA providers don't offer flexible ISA's (my previous ISA provider didn't even know what one was.) This was a major factor in me moving my ISA to IM a few years ago.

Thanks for the replies and sorry I missed your call earlier Adam. I'll give you a bell in the morning. Cheers all, have a good evening.

Touche, I would expect the main focus to be 'Jensen Huang sporting a Tom Ford lizard skin effect jacket which retails at £8,000 and recently purchased two new G650 jets which retail at £60M each before options'

Over 50% of the value of the company is AWS-maybe 65% AWS generates approx 28.7b and earns 10.5(quarter) Azure generates about 24.5b(less than AWS) but also earns 10.5b Similar money makers similar growth. Msft earns significantly more money overall-circa 50%+ more.

Just to add to Adams description and detail, the name is an indicator of your intention for access to the funds. If you intend to take it all, or a big chunk at a given date in the future, you may choose withdrawal, as you intend to withdraw the funds, and so we progress to a defensive position to stabilise the funds ready for withdrawal. If you intend to access the funds in chunks over time or draw an income, then you may chose income. In this case we look to stabilise a proportion of the funds ready for you to draw as income while allowing the rest to continue to seek growth ready to be accessed at a later date

Thanks. I did yesterday. Will wait or try to call. Thanks

Thanks for the super quick response Adam

Thanks Nik. Seen your email and will wait for the other info. Jersey / off shore is a 2026 thing anyway so plenty of time to plan.

@Adam-Kay Thanks, the immediate problem (in my mind) has been resolved. It's now a different problem, which I trust that Nik is resolving off line. Thanks for lowering my blood pressure with the reassurances about the legitimacy of the e-mail. That was my main concern. G

Hi, Our MM product is very short duration, something like 30 days or less on average so yes. The choppy US market is due to their economy being too strong for the feds liking, as it relates to labour markets and the effect on inflation. We are not talking raging inflation either, just a bit higher than ideal. Corporate earnings have never been better. Interest rates are not even that high. We aren't going back to Covid rates nor have higher rates had any real impact on company earnings.

Hi-it was 45%

I'll second that - good video. Thanks for the link.

Email sent to Nik

Hi Alan Drop me a message at nik.burrows@cobensdirect.co.uk and we can take a look at your position and run through the considerations and options that are relevant to you. Cheers Nik

Thank you Nik and Adam for the clarifications on this subject which hopefully will be helpful to others as well. I have funds in GIA which, between my OH and myself, we may not spend all in our lifetime so would look to leave this to our son in the future. It's a fine balancing act between whether to annually make withdrawals to fund the £20,000 ISA allowance or just withdraw up to the piddly £3000 annual gains allowance (e.g. £15,000 withdrawal if gains are 25% - £12,000 capital + £3000 gain). This saves the hassle of doing a tax return since my pension is PAYE so HMRC adjusts my allowance for interest income annually. Who knows, the govt may change this in future but it would seem harsh to pay gains tax followed by IHT.