Tactical Overview
Portfolio Value
£116,215
Cash invested: £85,952
-£10,686 vs yesterday (-8.42%)
True Return on Cash
£30,263
+35.21% on actual money in
Total in the Red
-£266
20 positions underwater
+£0 vs yesterday
Win / Loss · Holdings
35 / 14
71% win rate across 49 positions
Currency Exposure
Pound£62,459 53.7%
Dollar£52,910 45.5%
CAN Dollar£831 0.7%
Euro£15 0.0%
Account Comparison
| ISA | Standard | EL ISA | |
|---|---|---|---|
| Value | £95,461 | £0 | £20,754 |
| Invested | £71,690 | £0 | £19,991 |
| P/L | £23,771 | £0 | £762 |
| Return | +33.2% | +0.0% | +3.8% |
ETF Breakdown
Stock Sector Exposure (stocks only, ETFs & Potentials excluded)
Pie Allocation
Pie Returns
Rebalancing Actions
ETFON TRACK
Current: 41.5%Target: 44.5%Drift: -6.8%
Within target range (-6.8%). No action needed.
Diversification ETFON TRACK
Current: 14.2%Target: 15.0%Drift: -5.1%
Within target range (-5.1%). No action needed.
Diversification StocksON TRACK
Current: 10.6%Target: 11.0%Drift: -4.1%
Within target range (-4.1%). No action needed.
Healthcare ETFON TRACK
Current: 5.8%Target: 6.0%Drift: -2.6%
Within target range (-2.6%). No action needed.
Healthcare StocksON TRACK
Current: 3.1%Target: 3.0%Drift: +1.8%
Within target range (+1.8%). No action needed.
InvestmentsON TRACK
Current: 10.8%Target: 10.0%Drift: +8.4%
Within target range (+8.4%). No action needed.
PotentialsMONITOR
Current: 0.6%Target: 0.5%Drift: +14.1%
Slightly overweight (+14.1%). Watch but no action needed yet.
Single InvestmentTRIM
Current: 13.4%Target: 10.0%Drift: +34.4%
Overweight by +34.4%. Consider trimming or pausing new contributions to this pie.
Pie Distribution vs Targets
| Pie | Value | Target % | Current % | Return | P/L | Relative Drift |
|---|---|---|---|---|---|---|
| ETF | £48,189 | 44.5% | 41.5% | +22.0% | £8,693 | -6.8% |
| Diversification ETF | £16,542 | 15.0% | 14.2% | +12.4% | £1,832 | -5.1% |
| Single Investment | £15,623 | 10.0% | 13.4% | +92.8% | £7,520 | +34.4% |
| Investments | £12,596 | 10.0% | 10.8% | +21.0% | £2,183 | +8.4% |
| Diversification Stocks | £12,263 | 11.0% | 10.6% | +30.1% | £2,841 | -4.1% |
| Healthcare ETF | £6,789 | 6.0% | 5.8% | +8.7% | £545 | -2.6% |
| Healthcare Stocks | £3,550 | 3.0% | 3.1% | +37.5% | £967 | +1.8% |
| Potentials | £663 | 0.5% | 0.6% | -6.7% | -£48 | +14.1% |
Dividend Income
Trailing 12-Month Income
£233.52
≈ £19.46/month average
2026 Income To Date
£92.92
116 payments received all time
Portfolio Yield
0.20%
Based on trailing 12m ÷ portfolio value
Annualised Run Rate
£233.52
Trailing 12m annualised
Annual Dividend Growth
| Ticker | Name | Total Received | Share of Income |
|---|---|---|---|
| O | Realty Income | £46.22 | 20% |
| MET | MetLife | £34.26 | 15% |
| VHYL | Vanguard FTSE All-World High Dividend Yield (Dist) | £27.12 | 12% |
| MRK | Merck & Co | £20.21 | 9% |
| XOM | Exxon Mobil | £15.24 | 7% |
| DIS | Walt Disney | £14.92 | 6% |
| CAT | Caterpillar | £14.90 | 6% |
| PG | Procter & Gamble | £13.39 | 6% |
| NEE | NextEra Energy | £12.66 | 5% |
| MSFT | Microsoft | £10.85 | 5% |
Portfolio Commentary
🛡️ Risk LevelModerate
ETF core is 62% of the portfolio — well-diversified foundation with selective stock exposure.
⚡ NVDA13.4% of portfolio
NVDA slightly above 10% target at £15,623. Monitoring recommended.
📈 OverweightSingle Investment
Single Investment is +34.4% above target. Consider pausing new contributions here.
📈 Top Analyst UpsideMSFT +56.9%
Analysts see 56.9% upside in Microsoft to a target of £438.05.
🎯 Screened Stocks Upside+£12,533
Across 19 screened stocks, analysts see £12,533 additional upside (41.1% from current prices) if targets are met.
🏆 Win Rate71%
35 holdings in profit, 14 in the red across 49 positions.
Contribution History
Total Deposited
£85,952
Since 18 Nov 2023
Years Investing
2.4
Portfolio growth: £30,263 (+35.2%)
Avg Annual Contribution
£35,813
Across all years
Growth on Contributions
£30,263
Market returns on top of deposits
Annual Contributions by Account
Portfolio Growth Projection
| Scenario | 5 Years | 10 Years | 15 Years |
|---|---|---|---|
| Conservative (8% p.a.) | £238,606 | £410,838 | £667,437 |
| Moderate (10% p.a.) | £260,690 | £487,315 | £860,184 |
| Optimistic (12% p.a.) | £284,928 | £579,287 | £1,114,048 |
Assumes £250/month regular + one-off £10k (June 2026), then £1,500/quarter from Sep 2026 onwards.
Starting from £116,215 current value. Not financial advice.
Projection Chart
Portfolio Value Over Time
Total Portfolio Value
Portfolio vs Savings
Benchmark: 4.5% p.a. easy-access savings · vs actual portfolio value
Analyst Upside Tracker
| Ticker | Company | Current Price | Analyst Target | Upside % | Current P/L | Upside to Target | Analysts | Rating |
|---|---|---|---|---|---|---|---|---|
| MSFT | Microsoft | £279.19 | £438.05 | +56.9% | -£153 | £1,172 | 54 | STRONG_BUY |
| NVDA | Nvidia | £135.80 | £200.05 | +47.3% | £7,520 | £7,391 | 56 | STRONG_BUY |
| META | Meta Platforms | £456.77 | £641.61 | +40.5% | £381 | £865 | 60 | STRONG_BUY |
| ATRL | AtkinsRealis Group | £89.99 | £117.27 | +30.3% | £37 | £252 | 15 | BUY |
| DIS | The Walt Disney Company | £73.97 | £96.02 | +29.8% | £5 | £347 | 29 | BUY |
| AMZN | Amazon | £165.02 | £209.79 | +27.1% | £418 | £529 | 64 | STRONG_BUY |
| LLY | Eli Lilly | £711.01 | £901.88 | +26.8% | £322 | £473 | 29 | BUY |
| TSLA | Tesla | £256.01 | £310.38 | +21.2% | £171 | £319 | 41 | BUY |
| GOOGL | Alphabet | £236.67 | £280.65 | +18.6% | £1,258 | £488 | 56 | STRONG_BUY |
| PG | Procter & Gamble | £108.07 | £124.39 | +15.1% | £45 | £214 | 22 | BUY |
| AAPL | Apple | £193.10 | £220.26 | +14.1% | £103 | £162 | 40 | BUY |
| JPM | JP Morgan | £229.70 | £251.38 | +9.4% | £293 | £82 | 24 | BUY |
| BRK.B | Berkshire Hathaway | £357.82 | £390.08 | +9.0% | -£40 | £135 | 3 | BUY |
| O | Realty Income | £46.83 | £50.57 | +8.0% | £65 | £57 | 20 | HOLD |
| LMT | Lockheed Martin | £468.76 | £496.47 | +5.9% | £128 | £57 | 20 | HOLD |
| MRK | Merck & Co | £91.87 | £96.19 | +4.7% | £645 | £84 | 27 | BUY |
| XOM | Exxon Mobil | £116.52 | £119.55 | +2.6% | £362 | £37 | 24 | BUY |
| NEE | NextEra Energy | £70.24 | £70.70 | +0.7% | £244 | £6 | 22 | BUY |
| CAT | Caterpillar | £575.48 | £553.55 | -3.8% | £1,706 | -£138 | 26 | BUY |
| Total (19 stocks) Source: Yahoo Finance (fetched 09-04-2026) | +£12,533 | |||||||
Top 20 Holdings
| Ticker | Name | Sector | Value | Weight | P/L | Return |
|---|---|---|---|---|---|---|
| VWRP | Allworld ETF | ETF | £31,280 | 26.9% | £6,314 | +25.3% |
| NVDA | Nvidia | Semiconductors | £15,623 | 13.4% | £7,520 | +92.8% |
| VUAG | S&P 500 ETF | ETF | £10,728 | 9.2% | £1,737 | +19.3% |
| VEUA | Developed Europe ETF | ETF | £6,181 | 5.3% | £642 | +11.6% |
| IUHC | S&P 500 Healthcare ETF | ETF | £4,345 | 3.7% | £386 | +9.8% |
| CAT | Caterpillar | Machinery & Components | £3,610 | 3.1% | £1,706 | +89.6% |
| VFEG | Emerging Markets ETF | ETF | £3,402 | 2.9% | £327 | +10.7% |
| VHYL | Allworld Dividend ETF | ETF | £3,258 | 2.8% | £238 | +7.9% |
| IUSU | S&P 500 Utilities ETF | ETF | £2,808 | 2.4% | £358 | +14.6% |
| GOOGL | Alphabet | Software & IT Services | £2,628 | 2.3% | £1,258 | +91.9% |
| VAGU | Global Aggregate Bond ETF | ETF | £2,378 | 2.0% | £18 | +0.8% |
| META | Meta Platforms | Software & IT Services | £2,137 | 1.8% | £381 | +21.7% |
| MSFT | Microsoft | Software & IT Services | £2,060 | 1.8% | -£153 | -6.9% |
| AMZN | Amazon | Diversified Retail | £1,950 | 1.7% | £418 | +27.3% |
| IGLN | Gold ETF | ETF | £1,840 | 1.6% | £589 | +47.1% |
| MRK | Merck & Co | Pharmaceuticals | £1,787 | 1.5% | £645 | +56.5% |
| WHCA | World Healthcare ETF | ETF | £1,776 | 1.5% | £124 | +7.5% |
| LLY | Eli Lilly | Pharmaceuticals | £1,763 | 1.5% | £322 | +22.4% |
| WLDS | Small Cap ETF | ETF | £1,680 | 1.4% | £61 | +3.7% |
| TSLA | Tesla | Automobiles & Auto Parts | £1,503 | 1.3% | £171 | +12.8% |
Bottom 10 Holdings (excluding Potentials pie)
| Ticker | Name | Sector | Pie | Value | P/L | Return |
|---|---|---|---|---|---|---|
| MSFT | Microsoft | Software & IT Services | Investments | £2,060 | -£153 | -6.9% |
| BRK.B | Berkshire Hathaway | Banking Services | Diversification Stocks | £1,495 | -£40 | -2.6% |
| DIS | The Walt Disney Company | Media & Publishing | Investments | £1,163 | £5 | +0.4% |
| VAGU | Global Aggregate Bond ETF | ETF | Diversification ETF | £2,378 | £18 | +0.8% |
| PG | Procter & Gamble | Consumer Defensive | Diversification Stocks | £1,415 | £45 | +3.3% |
| WLDS | Small Cap ETF | ETF | Diversification ETF | £1,680 | £61 | +3.7% |
| ATRL | AtkinsRealis Group | Construction & Engineering | Diversification Stocks | £831 | £37 | +4.6% |
| HEAL | Healthcare Innovation ETF | ETF | Healthcare ETF | £668 | £35 | +5.5% |
| WHCA | World Healthcare ETF | ETF | Healthcare ETF | £1,776 | £124 | +7.5% |
| VHYL | Allworld Dividend ETF | ETF | Diversification ETF | £3,258 | £238 | +7.9% |