Member Info for Dustbin101

Https://www.gbnews.com/money/pension-lose-retirement-savings-workplace-funds

Sack the lot !!!

A good read

https://www.pensionspolicyinstitute.org.uk/media/gqxj0ig4/20241120-50-year-retrospective-final1.pdf

‘Houston, we have a problem"

Where does Matrixyl 3000 come from?

Matrixyl 3000 is a synthetic peptide complex that is created in a lab. It is designed to mimic the effects of natural peptides that are found in the skin.

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SBTX Bio Lysate to the rescue.

Commitment to Science Based Targets

Croda International Plc, the name behind high performance ingredients and technologies that are relied on by industries and consumers everywhere, today announces their commitment to reduce their greenhouse gas emissions in line with the Science Based Targets initiative.

Croda is one of the few companies within the speciality chemicals sector to commit to Science Based Targets (SBT), with the aim of restricting global warming to 1.5°C above the pre-industrial average. With reductions in greenhouse gas emissions (GHG) a priority, Croda has already established Group targets to achieve a 50% reduction in absolute GHG emissions based on 2006 levels by 2030 and an 80% reduction by 2050.

With more than 60% of the company’s raw materials already coming from bio-based sources, an industry leading position, Croda believes that that they are well positioned to not only reduce their GHG emissions, but to become ‘Climate Positive’. This ambitious target will focus on the use of more bio-based raw materials, and also through the ongoing work that Croda is undertaking to quantify the carbon savings derived from their products as they are used by their customers and the end consumers.

A quick update on my SIPP pension

The performance of my holding in SBTX has been very rewarding having increased 50% in just a few months. I have high hopes for this stock to outperform the market by a mile. Gold within the pension hit an all time high yesterday. The return from funds in NS&I is now down to 3.5%.P/A

The last two investments are for safety, when the crash comes, it could be extremely harsh and last well over a decade. It will catch investors, bankers, and governments , on the hop.

Croda International Plc

Full year 2023 results

Analyst presentation

Future performance drivers

Steve Foots

Chief Executive Officer

Page 28

I have put a ✅ next to every point where the new Lysate applies.

Differentiated 80%

20% Less. ✅

differentiated

Bio-based origin significantly ahead of peers; additional biodegradable and lower-carbon claims. ✅

Differentiated ingredients deliver superior price and profit margin, plus lower customer churn. ✅

 Category strength 70% skin 30% hair. ✅

Sales of sustainable ingredients stronger than the portfolio as a whole

Prioritised sales volumes across Beauty. ✅

Bio-based origin significantly ahead of peers; additional biodegradable and lower-carbon claims

Differentiated ingredients deliver superior price and profit margin, plus lower customer churn. ✅

SBTX

Shares 16P Broker target 56P

Https://www.lse.co.uk/rns/SBTX/finalisation-of-commercial-agreement-with-croda-5yszu75873yzstw.html

Great RNS

This week could be huge for SBTX .

Shareholders are due an update.

The chances are it will be on Mon, Tue, or Wed.

The one advantage pensions still have : :

Shares in a pension can be sold GGT free, outside the pension CGT tax at top rate is now 24%, if sold prior to death. Those proceeds get taxed again at 40% on death.

in effect the rich will hold onto shares rather than sell.

AIM shares on death get hit for 20% so still a huge advantage.

Https://www.morningstar.com/news/marketwatch/20241031271/este-lauders-stock-heads-for-record-selloff-after-profit-warning-dividend-cut

Just about all the big cosmetics players are suffering in China , and to a lesser extent in most parts of the world.

They are crying out for a blockbuster to lift sales

The SBTX / Croda lysate, just might be their saviour.

Https://chemistconfessions.com/blogs/matrixyl-3000-an-in-depth-view-with-sederma

A very interesting read, for a skin care laymen like myself.

Personally I find it astonishing to see how small the improvement is after using Matrixyl 3000.

Around 20%

That has been enough to take a massive slice of the anti ageing market for the last 20 plus years.

One can clearly see if the new Lysate can pass that 20%, is green, bio, sustainable , and cheap to produce, we are onto a winner.

A product that would change the face of the World, overnight.

Autumn Budget 24: Inherited pensions to face IHT from 2027

40% is les than 45% income tax top rate when your alive.

Lol

Croda shares taking a real hit over the last 3 weeks.

Placing in the wings ?

Croda BeautyCroda Beauty

26,225 followers26,225 followers

2h • 2 hours ago

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Croda Beauty is honoured to have won a BeautyMatter NEXT Award for our work on Product Carbon Footprints!

For Best Supply Side Impact Initiative, suppliers that provide goods or services to brands or retailers in the beauty and wellness sector must have rolled out initiatives that provide measurable impact on DEI or ESG.

This recognition is a testament to our dedication to innovation, excellence and leadership within the beauty industry.

Product Carbon Footprints allow both Croda and our customers to more easily identify and track emissions. This in turn allows for more informed purchasing decisions, as well as the implementation of effective emissions reduction strategies.

My target for SBTX to 100 bag over time may sound outrageous.

Triad was trading at 4P on 20/03/13 up a very cool 75 times today, after less than 12 full years.

Let’s see what plans the tax man/ woman delivers, for pensions in this weeks budget.

An update on the SBTX / CRODA agreement is due prior to 20th of November 2024 .

I put the SBTX / Croda agreement up with the likes of Rubik’s cube.

In 1980 and 1981, the Rubik's Cube received the UK Toy of the Year award, and in the first 3 years of its release it sold 100 million units. The cube today has sold over 3 times that figure, making it the best-selling toy of all time.

If, as I believe it will , the new Lysate proves to be a problem solved, then this share will perform, like no other on earth, changing the FACE of the world.

Further to my post 979, dated 30th Sep 2024.

I have today increased my target price, and timeline for the funds I have invested in SBTX from one year to 6 years, and from a 10 bagger, to a 100 bagger,( from my purchase price of around 10p a share) . This investment was only made from funds, within the pension , that were in excess of the £3M , previously banked within my pension. My shares in Triad group having been sold in the summer, after hitting my pension goal of a 100 fold increase of my pension within 20 years..

Some of the £3M has been taken as income, the remainder is invested within the pension in NS&I and allocated gold bars in a London vault .

This is to ensure risk is reduced to a minimum, in the event of potential meltdown of markets for a prolonged period of time.

I am determined not to risk , what I don’t need to risk.

26,168 followers

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We are delighted to share that we have been selected as a winner in TWO categories at the Sustainable Beauty Awards 2024!

Our Ameyezing 4.0™ has won the Sustainable Beauty Ingredient gold award; a category recognising novel ingredients with sustainability features that make a difference in areas such as environmental impact and sustainable sourcing.

Ameyezing 4.0 is a COSMOS approved eye contour enhancer that is effective on both hyperpigmented dark circles and vascular dark circles. Obtained from eco-designed supercritical CO2 extraction of Zingiber zerumbet rhizomes (more commonly known as wild ginger), full traceability is ensured from the field to the raw material delivery. The producer is committed to stimulating the local economy, respecting human rights, prohibiting child labour, and fighting against inequalities. Several certifications and labels, including For Life, Fair For Life, and organic farming (Ecocert), have been obtained.

We have also won the silver award in Sustainable Leadership, in recognition of our comprehensive approach to incorporating sustainability into our operations. This ranges from our work to improve and evolve our portfolio of ingredients, to our work towards ambitious carbon reduction targets, and our dedication to continuous improvement of the impact of our supply chain.

The huge players in any industry do their very best to grind down suppliers, through their hold on a large part of the market.

Croda is offsetting this, by designing its own formulations and winning new customers .

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**. How is the shift towards local and regional customers impacting consumer care? A: Steve Foots highlighted that local and regional customers are driving growth due to their innovation and pricing strategies. This shift is significant across various markets, including China, India, and Brazil, and is beneficial for Croda's business model.**

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Another reason I believe the rapid take up of the new Lysate will be across the board . (Big and small).

SBTX RNS published this afternoon :

No reason for the share price fall :

Investors should be delighted , both management, and myself are of the view the shares are grossly under valued

I am personally convinced the foundations have been laid, first for a ten bagger, then, onwards and upwards towards a 100 bagger.

To find such a stock, at such a price, is in my view a one in 30 year chance :

To think, still no broker update to take account of the new companies purchased ,and Croda recurring income is just unreal .

I predict the re rate will be both fast and furious .