Tactical Overview
Portfolio Value
£111,877
Cash invested: £86,052
+£2,143 vs yesterday (+1.95%)
True Return on Cash
£25,825
+30.01% on actual money in
Total in the Red
-£852
39 positions underwater
+£196 vs yesterday
Win / Loss · Holdings
24 / 25
49% win rate across 49 positions
Currency Exposure
Pound£59,210 52.9%
Dollar£51,892 46.4%
CAN Dollar£761 0.7%
Euro£13 0.0%
Account Comparison
| ISA | Standard | EL ISA | |
|---|---|---|---|
| Value | £85,275 | £6,589 | £20,013 |
| Invested | £67,731 | £6,673 | £19,991 |
| P/L | £17,544 | -£83 | £21 |
| Return | +25.9% | -1.2% | +0.1% |
ETF Breakdown
Stock Sector Exposure (stocks only, ETFs & Potentials excluded)
Pie Allocation
Pie Returns
Rebalancing Actions
ETFON TRACK
Current: 40.3%Target: 44.5%Drift: -9.4%
Within target range (-9.4%). No action needed.
Healthcare ETFON TRACK
Current: 5.9%Target: 6.0%Drift: -1.2%
Within target range (-1.2%). No action needed.
Diversification ETFON TRACK
Current: 15.2%Target: 15.0%Drift: +1.7%
Within target range (+1.7%). No action needed.
InvestmentsON TRACK
Current: 10.3%Target: 10.0%Drift: +2.7%
Within target range (+2.7%). No action needed.
Diversification StocksON TRACK
Current: 11.3%Target: 11.0%Drift: +3.1%
Within target range (+3.1%). No action needed.
Healthcare StocksON TRACK
Current: 3.2%Target: 3.0%Drift: +6.5%
Within target range (+6.5%). No action needed.
PotentialsMONITOR
Current: 0.6%Target: 0.5%Drift: +11.2%
Slightly overweight (+11.2%). Watch but no action needed yet.
Single InvestmentTRIM
Current: 13.1%Target: 10.0%Drift: +31.4%
Overweight by +31.4%. Consider trimming or pausing new contributions to this pie.
Pie Distribution vs Targets
| Pie | Value | Target % | Current % | Return | P/L | Relative Drift |
|---|---|---|---|---|---|---|
| ETF | £45,118 | 44.5% | 40.3% | +14.8% | £5,809 | -9.4% |
| Diversification ETF | £17,061 | 15.0% | 15.2% | +4.3% | £704 | +1.7% |
| Single Investment | £14,698 | 10.0% | 13.1% | +81.4% | £6,596 | +31.4% |
| Diversification Stocks | £12,684 | 11.0% | 11.3% | +20.4% | £2,154 | +3.1% |
| Investments | £11,490 | 10.0% | 10.3% | +12.6% | £1,283 | +2.7% |
| Healthcare ETF | £6,629 | 6.0% | 5.9% | +6.4% | £401 | -1.2% |
| Healthcare Stocks | £3,574 | 3.0% | 3.2% | +21.2% | £625 | +6.5% |
| Potentials | £622 | 0.5% | 0.6% | -12.5% | -£89 | +11.2% |
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.
⚡ NVDA13.1% of portfolio
NVDA slightly above 10% target at £14,698. Monitoring recommended.
📈 OverweightSingle Investment
Single Investment is +31.4% 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+£14,300
Across 19 screened stocks, analysts see £14,300 additional upside (45.0% from current prices) if targets are met.
🏆 Win Rate49%
24 holdings in profit, 25 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. | 5d away |
| 1 Jun 2026 | Q1 Commission | Planned £10,000 lump sum into ISA from Q1 commission. Deploy per rebalancing plan. | 62d away |
| 1 Sep 2026 | Q2 Commission | First £1,500 quarterly top-up into ISA (3 months after June commission). | 154d away |
| 1 Dec 2026 | Q3 Commission | Planned £1,500 quarterly top-up into ISA. | 245d away |
| 5 Apr 2027 | ISA Year End 2027 | Next annual ISA allowance reset. Bed-and-ISA remaining Standard positions. | 370d away |
Contribution History
Total Deposited
£86,052
Since 18 Nov 2023
Years Investing
2.4
Portfolio growth: £25,825 (+30.0%)
Avg Annual Contribution
£35,855
Across all years
Growth on Contributions
£25,825
Market returns on top of deposits
Annual Contributions by Account
Portfolio Growth Projection
| Scenario | 5 Years | 10 Years | 15 Years |
|---|---|---|---|
| Conservative (8% p.a.) | £232,143 | £401,209 | £653,091 |
| Moderate (10% p.a.) | £253,552 | £475,572 | £840,862 |
| Optimistic (12% p.a.) | £277,047 | £564,969 | £1,088,037 |
Assumes £250/month regular + one-off £10k (June 2026), then £1,500/quarter from Sep 2026 onwards.
Starting from £111,877 current value. Not financial advice.
Projection Chart
Portfolio Value Over Time
Since Inception (2023-12-08)
+£108,432
+3147.4% total growth
1-Day Change
+£2,143
+1.95%
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% | -£280 | £859 | 53 | STRONG_BUY |
| META | Meta Platforms | £411.30 | £647.96 | +57.5% | £197 | £968 | 60 | STRONG_BUY |
| NVDA | Nvidia | £128.63 | £201.48 | +56.6% | £6,596 | £8,325 | 56 | STRONG_BUY |
| DIS | The Walt Disney Company | £71.17 | £97.12 | +36.5% | -£28 | £414 | 28 | BUY |
| AMZN | Amazon | £155.90 | £210.93 | +35.3% | £189 | £609 | 63 | STRONG_BUY |
| LLY | Eli Lilly | £673.81 | £908.43 | +34.8% | £162 | £606 | 29 | BUY |
| GOOGL | Alphabet | £211.02 | £283.01 | +34.1% | £1,054 | £827 | 56 | STRONG_BUY |
| ATRL | AtkinsRealis Group | £88.95 | £117.60 | +32.2% | -£33 | £245 | 15 | BUY |
| PG | Procter & Gamble | £106.98 | £126.20 | +18.0% | -£32 | £259 | 22 | BUY |
| JPM | JP Morgan | £219.09 | £256.28 | +17.0% | -£65 | £234 | 24 | BUY |
| AAPL | Apple | £189.97 | £221.83 | +16.8% | -£38 | £264 | 41 | BUY |
| TSLA | Tesla | £279.52 | £316.45 | +13.2% | £190 | £205 | 41 | BUY |
| O | Realty Income | £45.27 | £50.97 | +12.6% | £52 | £93 | 20 | HOLD |
| BRK.B | Berkshire Hathaway | £357.01 | £392.87 | +10.0% | -£19 | £100 | 3 | BUY |
| MRK | Merck & Co | £89.34 | £96.18 | +7.7% | £463 | £140 | 27 | BUY |
| LMT | Lockheed Martin | £471.24 | £498.98 | +5.9% | £85 | £54 | 19 | HOLD |
| CAT | Caterpillar | £528.22 | £553.03 | +4.7% | £1,388 | £155 | 26 | BUY |
| NEE | NextEra Energy | £68.48 | £70.87 | +3.5% | £208 | £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) | +£14,300 | |||||||
Top 20 Holdings
| Ticker | Name | Sector | Value | Weight | P/L | Return |
|---|---|---|---|---|---|---|
| VWRP | Allworld ETF | ETF | £29,228 | 26.1% | £4,449 | +17.9% |
| NVDA | Nvidia | Semiconductors | £14,698 | 13.1% | £6,596 | +81.4% |
| VUAG | S&P 500 ETF | ETF | £10,301 | 9.2% | £1,310 | +14.6% |
| VEUA | Developed Europe ETF | ETF | £5,590 | 5.0% | £51 | +0.9% |
| IUHC | S&P 500 Healthcare ETF | ETF | £4,219 | 3.8% | £259 | +6.5% |
| CAT | Caterpillar | Machinery & Components | £3,292 | 2.9% | £1,388 | +72.9% |
| VFEG | Emerging Markets ETF | ETF | £3,231 | 2.9% | £157 | +5.1% |
| VHYL | Allworld Dividend ETF | ETF | £3,151 | 2.8% | £132 | +4.4% |
| IGLN | Gold ETF | ETF | £2,501 | 2.2% | £236 | +10.4% |
| IUSU | S&P 500 Utilities ETF | ETF | £2,493 | 2.2% | £43 | +1.8% |
| GOOGL | Alphabet | Software & IT Services | £2,424 | 2.2% | £1,054 | +77.0% |
| VAGU | Global Aggregate Bond ETF | ETF | £2,382 | 2.1% | £22 | +0.9% |
| MRK | Merck & Co | Pharmaceuticals | £1,834 | 1.6% | £463 | +33.8% |
| WHCA | World Healthcare ETF | ETF | £1,768 | 1.6% | £116 | +7.0% |
| LLY | Eli Lilly | Pharmaceuticals | £1,740 | 1.6% | £162 | +10.2% |
| AMZN | Amazon | Diversified Retail | £1,726 | 1.5% | £189 | +12.3% |
| INFR | Global Infrastructure ETF | ETF | £1,700 | 1.5% | £133 | +8.5% |
| XOM | Exxon Mobil | Oil & Gas | £1,684 | 1.5% | £570 | +51.2% |
| META | Meta Platforms | Software & IT Services | £1,683 | 1.5% | £197 | +13.2% |
| WLDS | Small Cap ETF | ETF | £1,602 | 1.4% | -£18 | -1.1% |
Bottom 10 Holdings (excluding Potentials pie)
| Ticker | Name | Sector | Pie | Value | P/L | Return |
|---|---|---|---|---|---|---|
| MSFT | Microsoft | Software & IT Services | Investments | £1,404 | -£280 | -16.6% |
| JPM | JP Morgan | Banking Services | Diversification Stocks | £1,377 | -£65 | -4.5% |
| ATRL | AtkinsRealis Group | Construction & Engineering | Diversification Stocks | £761 | -£33 | -4.2% |
| DIS | The Walt Disney Company | Media & Publishing | Investments | £1,135 | -£28 | -2.4% |
| AAPL | Apple | Computers & Phones | Investments | £1,571 | -£38 | -2.4% |
| PG | Procter & Gamble | Consumer Defensive | Diversification Stocks | £1,442 | -£32 | -2.1% |
| BRK.B | Berkshire Hathaway | Banking Services | Diversification Stocks | £997 | -£19 | -1.9% |
| WLDS | Small Cap ETF | ETF | Diversification ETF | £1,602 | -£18 | -1.1% |
| VEUA | Developed Europe ETF | ETF | ETF | £5,590 | £51 | +0.9% |
| VAGU | Global Aggregate Bond ETF | ETF | Diversification ETF | £2,382 | £22 | +0.9% |