Tactical Overview
Portfolio Value
£109,845
Cash invested: £86,052
+£111 vs yesterday (+0.10%)
True Return on Cash
£23,792
+27.65% on actual money in
Total in the Red
-£1,319
50 positions underwater
-£271 vs yesterday
Win / Loss · Holdings
22 / 27
45% win rate across 49 positions
Currency Exposure
Pound£58,523 53.3%
Dollar£50,571 46.0%
CAN Dollar£738 0.7%
Euro£13 0.0%
Account Comparison
| ISA | Standard | EL ISA | |
|---|---|---|---|
| Value | £83,652 | £6,448 | £19,744 |
| Invested | £67,731 | £6,673 | £19,991 |
| P/L | £15,921 | -£225 | -£247 |
| Return | +23.5% | -3.4% | -1.2% |
ETF Breakdown
Stock Sector Exposure (stocks only, ETFs & Potentials excluded)
Pie Allocation
Pie Returns
Rebalancing Actions
ETFON TRACK
Current: 40.6%Target: 44.5%Drift: -8.8%
Within target range (-8.8%). No action needed.
Healthcare ETFON TRACK
Current: 6.0%Target: 6.0%Drift: -0.8%
Within target range (-0.8%). No action needed.
InvestmentsON TRACK
Current: 10.1%Target: 10.0%Drift: +0.6%
Within target range (+0.6%). No action needed.
Diversification ETFON TRACK
Current: 15.4%Target: 15.0%Drift: +2.5%
Within target range (+2.5%). No action needed.
Diversification StocksON TRACK
Current: 11.4%Target: 11.0%Drift: +3.7%
Within target range (+3.7%). No action needed.
Healthcare StocksON TRACK
Current: 3.2%Target: 3.0%Drift: +6.3%
Within target range (+6.3%). No action needed.
PotentialsON TRACK
Current: 0.6%Target: 0.5%Drift: +9.1%
Within target range (+9.1%). No action needed.
Single InvestmentTRIM
Current: 12.9%Target: 10.0%Drift: +29.1%
Overweight by +29.1%. Consider trimming or pausing new contributions to this pie.
Pie Distribution vs Targets
| Pie | Value | Target % | Current % | Return | P/L | Relative Drift |
|---|---|---|---|---|---|---|
| ETF | £44,558 | 44.5% | 40.6% | +13.3% | £5,249 | -8.8% |
| Diversification ETF | £16,886 | 15.0% | 15.4% | +3.2% | £529 | +2.5% |
| Single Investment | £14,176 | 10.0% | 12.9% | +75.0% | £6,073 | +29.1% |
| Diversification Stocks | £12,535 | 11.0% | 11.4% | +19.0% | £2,004 | +3.7% |
| Investments | £11,048 | 10.0% | 10.1% | +8.2% | £841 | +0.6% |
| Healthcare ETF | £6,537 | 6.0% | 6.0% | +5.0% | £309 | -0.8% |
| Healthcare Stocks | £3,504 | 3.0% | 3.2% | +18.8% | £555 | +6.3% |
| Potentials | £599 | 0.5% | 0.6% | -15.7% | -£111 | +9.1% |
Dividend Income
Trailing 12-Month Income
£199.51
≈ £16.63/month average
2026 Income To Date
£57.38
103 payments received all time
Portfolio Yield
0.18%
Based on trailing 12m ÷ portfolio value
Annualised Run Rate
£199.51
Trailing 12m annualised
Annual Dividend Growth
| Ticker | Name | Total Received | Share of Income |
|---|---|---|---|
| O | Realty Income | £43.60 | 22% |
| MET | MetLife | £34.26 | 17% |
| VHYL | Vanguard FTSE All-World High Dividend Yield (Dist) | £20.14 | 10% |
| XOM | Exxon Mobil | £15.24 | 8% |
| DIS | Walt Disney | £14.92 | 7% |
| CAT | Caterpillar | £14.90 | 7% |
| PG | Procter & Gamble | £13.39 | 7% |
| NVDA | Nvidia | £9.71 | 5% |
| MRK | Merck & Co | £9.54 | 5% |
| NEE | NextEra Energy | £9.07 | 5% |
Portfolio Commentary
🛡️ Risk LevelModerate
ETF core is 62% of the portfolio — well-diversified foundation with selective stock exposure.
⚡ NVDA12.9% of portfolio
NVDA slightly above 10% target at £14,176. Monitoring recommended.
📈 OverweightSingle Investment
Single Investment is +29.1% above target. Consider pausing new contributions here.
📈 Top Analyst UpsideMSFT +61.2%
Analysts see 61.2% upside in Microsoft to a target of £443.12.
🎯 Screened Stocks Upside+£13,773
Across 19 screened stocks, analysts see £13,773 additional upside (43.3% from current prices) if targets are met.
🏆 Win Rate45%
22 holdings in profit, 27 in the red across 49 positions.
Key Dates
| Date | Event | Detail | Countdown |
|---|---|---|---|
| 5 Apr 2026 | ISA Year End | Sell Standard LSE ETFs → buy £20k in ISA. NVDA trim to £15k. | 7d away |
| 1 Jun 2026 | Q1 Commission | Planned £10,000 lump sum into ISA from Q1 commission. Deploy per rebalancing plan. | 64d away |
| 1 Sep 2026 | Q2 Commission | First £1,500 quarterly top-up into ISA (3 months after June commission). | 156d away |
| 1 Dec 2026 | Q3 Commission | Planned £1,500 quarterly top-up into ISA. | 247d away |
| 5 Apr 2027 | ISA Year End 2027 | Next annual ISA allowance reset. Bed-and-ISA remaining Standard positions. | 372d away |
Contribution History
Total Deposited
£86,052
Since 18 Nov 2023
Years Investing
2.4
Portfolio growth: £23,792 (+27.6%)
Avg Annual Contribution
£35,855
Across all years
Growth on Contributions
£23,792
Market returns on top of deposits
Annual Contributions (ISA vs Standard)
Portfolio Growth Projection
| Scenario | 5 Years | 10 Years | 15 Years |
|---|---|---|---|
| Conservative (8% p.a.) | £229,115 | £396,698 | £646,371 |
| Moderate (10% p.a.) | £250,209 | £470,070 | £831,810 |
| Optimistic (12% p.a.) | £273,355 | £558,262 | £1,075,852 |
Assumes £250/month regular + one-off £10k (June 2026), then £1,500/quarter from Sep 2026 onwards.
Starting from £109,845 current value. Not financial advice.
Projection Chart
Portfolio Value Over Time
Since Inception (2023-12-08)
+£106,399
+3088.4% total growth
1-Day Change
+£111
+0.10%
All-Time Peak
£116,675
2026-03-02
Starting Value
£3,445
2023-12-08
Total Portfolio Value
Pie Breakdown Over Time
Analyst Upside Tracker
| Ticker | Company | Current Price | Analyst Target | Upside % | Current P/L | Upside to Target | Analysts | Rating |
|---|---|---|---|---|---|---|---|---|
| MSFT | Microsoft | £274.91 | £443.12 | +61.2% | -£325 | £831 | 53 | STRONG_BUY |
| META | Meta Platforms | £411.30 | £647.96 | +57.5% | £63 | £892 | 60 | STRONG_BUY |
| NVDA | Nvidia | £128.63 | £201.48 | +56.6% | £6,073 | £8,029 | 56 | STRONG_BUY |
| DIS | The Walt Disney Company | £71.17 | £97.12 | +36.5% | -£73 | £398 | 28 | BUY |
| AMZN | Amazon | £155.90 | £210.93 | +35.3% | £123 | £586 | 63 | STRONG_BUY |
| LLY | Eli Lilly | £673.81 | £908.43 | +34.8% | £95 | £583 | 29 | BUY |
| GOOGL | Alphabet | £211.02 | £283.01 | +34.1% | £955 | £793 | 56 | STRONG_BUY |
| ATRL | AtkinsRealis Group | £88.95 | £117.60 | +32.2% | -£56 | £238 | 15 | BUY |
| PG | Procter & Gamble | £106.98 | £126.20 | +18.0% | -£45 | £257 | 22 | BUY |
| JPM | JP Morgan | £219.09 | £256.28 | +17.0% | -£112 | £226 | 24 | BUY |
| AAPL | Apple | £189.97 | £221.83 | +16.8% | -£53 | £261 | 41 | BUY |
| TSLA | Tesla | £279.52 | £316.45 | +13.2% | £150 | £199 | 41 | BUY |
| O | Realty Income | £45.27 | £50.97 | +12.6% | £47 | £93 | 20 | HOLD |
| BRK.B | Berkshire Hathaway | £357.01 | £392.87 | +10.0% | -£38 | £98 | 3 | BUY |
| MRK | Merck & Co | £89.34 | £96.18 | +7.7% | £460 | £140 | 27 | BUY |
| LMT | Lockheed Martin | £471.24 | £498.98 | +5.9% | £100 | £55 | 19 | HOLD |
| CAT | Caterpillar | £528.22 | £553.03 | +4.7% | £1,348 | £153 | 26 | BUY |
| NEE | NextEra Energy | £68.48 | £70.87 | +3.5% | £190 | £51 | 22 | BUY |
| XOM | Exxon Mobil | £124.27 | £116.28 | -6.4% | £570 | -£108 | 24 | BUY |
| Total (19 stocks) Source: Yahoo Finance (fetched 2026-03-27) | +£13,773 | |||||||
Top 20 Holdings
| Ticker | Name | Sector | Value | Weight | P/L | Return |
|---|---|---|---|---|---|---|
| VWRP | Allworld ETF | ETF | £28,897 | 26.3% | £4,118 | +16.6% |
| NVDA | Nvidia | Semiconductors | £14,176 | 12.9% | £6,073 | +75.0% |
| VUAG | S&P 500 ETF | ETF | £10,205 | 9.3% | £1,213 | +13.5% |
| VEUA | Developed Europe ETF | ETF | £5,457 | 5.0% | -£82 | -1.5% |
| IUHC | S&P 500 Healthcare ETF | ETF | £4,168 | 3.8% | £209 | +5.3% |
| CAT | Caterpillar | Machinery & Components | £3,252 | 3.0% | £1,348 | +70.8% |
| VFEG | Emerging Markets ETF | ETF | £3,193 | 2.9% | £118 | +3.8% |
| VHYL | Allworld Dividend ETF | ETF | £3,108 | 2.8% | £89 | +2.9% |
| IUSU | S&P 500 Utilities ETF | ETF | £2,507 | 2.3% | £57 | +2.3% |
| IGLN | Gold ETF | ETF | £2,439 | 2.2% | £173 | +7.6% |
| VAGU | Global Aggregate Bond ETF | ETF | £2,360 | 2.1% | -£0 | -0.0% |
| GOOGL | Alphabet | Software & IT Services | £2,324 | 2.1% | £955 | +69.8% |
| MRK | Merck & Co | Pharmaceuticals | £1,831 | 1.7% | £460 | +33.6% |
| WHCA | World Healthcare ETF | ETF | £1,738 | 1.6% | £86 | +5.2% |
| INFR | Global Infrastructure ETF | ETF | £1,691 | 1.5% | £123 | +7.8% |
| XOM | Exxon Mobil | Oil & Gas | £1,683 | 1.5% | £570 | +51.1% |
| LLY | Eli Lilly | Pharmaceuticals | £1,673 | 1.5% | £95 | +6.0% |
| AMZN | Amazon | Diversified Retail | £1,660 | 1.5% | £123 | +8.0% |
| WLDS | Small Cap ETF | ETF | £1,589 | 1.4% | -£31 | -1.9% |
| AAPL | Apple | Computers & Phones | £1,556 | 1.4% | -£53 | -3.3% |
Bottom 10 Holdings (excluding Potentials pie)
| Ticker | Name | Sector | Pie | Value | P/L | Return |
|---|---|---|---|---|---|---|
| MSFT | Microsoft | Software & IT Services | Investments | £1,359 | -£325 | -19.3% |
| JPM | JP Morgan | Banking Services | Diversification Stocks | £1,331 | -£112 | -7.8% |
| ATRL | AtkinsRealis Group | Construction & Engineering | Diversification Stocks | £738 | -£56 | -7.1% |
| DIS | The Walt Disney Company | Media & Publishing | Investments | £1,090 | -£73 | -6.2% |
| BRK.B | Berkshire Hathaway | Banking Services | Diversification Stocks | £979 | -£38 | -3.7% |
| AAPL | Apple | Computers & Phones | Investments | £1,556 | -£53 | -3.3% |
| PG | Procter & Gamble | Consumer Defensive | Diversification Stocks | £1,429 | -£45 | -3.1% |
| WLDS | Small Cap ETF | ETF | Diversification ETF | £1,589 | -£31 | -1.9% |
| VEUA | Developed Europe ETF | ETF | ETF | £5,457 | -£82 | -1.5% |
| VAGU | Global Aggregate Bond ETF | ETF | Diversification ETF | £2,360 | -£0 | -0.0% |