<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Performance of the various Cobens portfolios]]></title><description><![CDATA[<p dir="auto">Morning all!<br />
Maybe I should just give <a class="plugin-mentions-user plugin-mentions-a" href="/user/nik-burrows">@Nik-Burrows</a> a call…..but in case this is of wider use, I’ll pop a question here!</p>
<p dir="auto">Having seen a 30+% “uptick” in performance over the past year (indeed, perhaps the past 7 months), my cautious side tells me to “derisk” some of the <em>gain</em>: in my mind, an upward trajectory cannot continue indefinitely…..unless <a class="plugin-mentions-user plugin-mentions-a" href="/user/adam-kay">@Adam-Kay</a>’s crystal ball disagrees with my very amateur assessment?!</p>
<p dir="auto">I wanted to see how the IM20 stacks up against the Money Markets Fund (&amp; indeed the option for Cash), but I cannot see any of the sort of documents I would expect in “investment tools”, just this message:</p>
<p dir="auto">“We're rebuilding this section<br />
Following our rebrand, the investment tools and portfolio information previously shown here are being updated. Please check back later.”</p>
<p dir="auto">Where can I find such details, &amp; how defensive are the defensive options?<br />
I obviously appreciate past performance is no guarantee, etc, but even seeing how the various options have done over the past year may be useful enough.<br />
Are the MMF likely to manage 4-5% for the foreseeable?<br />
Another side question could be whether Cobens are 'hedging' things for me - we have chunks in the Lifestyle Growth for Income portfolio: I have no idea whether decisions are being made to 'derisk' things inside there, of course!<br />
Thanks <img src="https://forum.cobensdirect.co.uk/assets/plugins/nodebb-plugin-emoji/emoji/android/1f64f.png?v=d9007f3a2bf" class="not-responsive emoji emoji-android emoji--pray" style="height:23px;width:auto;vertical-align:middle" title="🙏" alt="🙏" /></p>
]]></description><link>https://forum.cobensdirect.co.uk/topic/174/performance-of-the-various-cobens-portfolios</link><generator>RSS for Node</generator><lastBuildDate>Thu, 24 Sep 2026 22:46:22 GMT</lastBuildDate><atom:link href="https://forum.cobensdirect.co.uk/topic/174.rss" rel="self" type="application/rss+xml"/><pubDate>Thu, 24 Sep 2026 10:07:35 GMT</pubDate><ttl>60</ttl><item><title><![CDATA[Reply to Performance of the various Cobens portfolios on Thu, 24 Sep 2026 21:47:29 GMT]]></title><description><![CDATA[<p dir="auto">That’s a Covid debt decoupling. No MM was only ‘zero’ then as rates were zero effectively.</p>
]]></description><link>https://forum.cobensdirect.co.uk/post/2872</link><guid isPermaLink="true">https://forum.cobensdirect.co.uk/post/2872</guid><dc:creator><![CDATA[Adam Kay]]></dc:creator><pubDate>Thu, 24 Sep 2026 21:47:29 GMT</pubDate></item><item><title><![CDATA[Reply to Performance of the various Cobens portfolios on Thu, 24 Sep 2026 20:52:18 GMT]]></title><description><![CDATA[<p dir="auto">Thanks Adam,<br />
Those “safer” lower index funds don’t look so safe when they fall more than the IM100 on a bad year <img src="https://forum.cobensdirect.co.uk/assets/plugins/nodebb-plugin-emoji/emoji/android/1f631.png?v=d9007f3a2bf" class="not-responsive emoji emoji-android emoji--scream" style="height:23px;width:auto;vertical-align:middle" title="😱" alt="😱" /><br />
Did MMF also fall during those years?</p>
]]></description><link>https://forum.cobensdirect.co.uk/post/2871</link><guid isPermaLink="true">https://forum.cobensdirect.co.uk/post/2871</guid><dc:creator><![CDATA[mikeiow]]></dc:creator><pubDate>Thu, 24 Sep 2026 20:52:18 GMT</pubDate></item><item><title><![CDATA[Reply to Performance of the various Cobens portfolios on Thu, 24 Sep 2026 14:35:53 GMT]]></title><description><![CDATA[<p dir="auto">Hi Mike</p>
<p dir="auto"><img src="/assets/uploads/files/1790260170999-screenshot-2026-09-24-at-15.27.21.png" alt="Screenshot 2026-09-24 at 15.27.21.png" class=" img-fluid img-markdown" /></p>
<p dir="auto">Money Markets</p>
<p dir="auto"><img src="/assets/uploads/files/1790260189136-screenshot-2026-09-24-at-15.28.19.png" alt="Screenshot 2026-09-24 at 15.28.19.png" class=" img-fluid img-markdown" /></p>
<p dir="auto">MM are cumulative. Index are discrete annual.</p>
]]></description><link>https://forum.cobensdirect.co.uk/post/2870</link><guid isPermaLink="true">https://forum.cobensdirect.co.uk/post/2870</guid><dc:creator><![CDATA[Adam Kay]]></dc:creator><pubDate>Thu, 24 Sep 2026 14:35:53 GMT</pubDate></item></channel></rss>