| ISA | Standard | |
|---|---|---|
| Value | £84,846 | £6,420 |
| Invested | £67,731 | £6,673 |
| P/L | £17,116 | -£252 |
| Return | +25.3% | -3.8% |
Within target range (-8.6%). No action needed.
Within target range (-2.5%). No action needed.
Within target range (-0.1%). No action needed.
Within target range (+1.4%). No action needed.
Within target range (+3.4%). No action needed.
Within target range (+5.0%). No action needed.
Slightly overweight (+17.6%). Watch but no action needed yet.
Overweight by +31.6%. Consider trimming or pausing new contributions to this pie.
| Pie | Value | Target % | Current % | Return | P/L | Relative Drift |
|---|---|---|---|---|---|---|
| ETF | £45,146 | 44.5% | 40.7% | +14.8% | £5,837 | -8.6% |
| Diversification ETF | £16,643 | 15.0% | 15.0% | +1.7% | £285 | -0.1% |
| Single Investment | £14,609 | 10.0% | 13.2% | +80.3% | £6,507 | +31.6% |
| Diversification Stocks | £12,391 | 11.0% | 11.2% | +17.7% | £1,860 | +1.4% |
| Investments | £11,657 | 10.0% | 10.5% | +14.2% | £1,449 | +5.0% |
| Healthcare ETF | £6,499 | 6.0% | 5.8% | +4.3% | £270 | -2.5% |
| Healthcare Stocks | £3,446 | 3.0% | 3.1% | +16.8% | £497 | +3.4% |
| Potentials | £653 | 0.5% | 0.6% | -8.2% | -£58 | +17.6% |
| 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% |
ETF core is 62% of the portfolio — well-diversified foundation with selective stock exposure.
NVDA slightly above 10% target at £14,609. Monitoring recommended.
Single Investment is +31.6% above target. Consider pausing new contributions here.
Analysts see 51.8% upside in Microsoft to a target of £447.97.
Across 19 screened stocks, analysts see £12,236 additional upside (38.5% from current prices) if targets are met.
22 holdings in profit, 27 in the red across 49 positions.
| Date | Event | Detail | Countdown |
|---|---|---|---|
| 5 Apr 2026 | 🗓️ ISA Year End | Sell Standard LSE ETFs → buy £20k in ISA. NVDA trim to £15k. | 13d away |
| 1 Jun 2026 | 💰 Q1 Commission | Planned £10,000 lump sum into ISA from Q1 commission. Deploy per rebalancing plan. | 70d away |
| 1 Sep 2026 | 💰 Q2 Commission | First £1,500 quarterly top-up into ISA (3 months after June commission). | 162d away |
| 1 Dec 2026 | 💰 Q3 Commission | Planned £1,500 quarterly top-up into ISA. | 253d away |
| 5 Apr 2027 | 🗓️ ISA Year End 2027 | Next annual ISA allowance reset. Bed-and-ISA remaining Standard positions. | 378d away |
| Scenario | 5 Years | 10 Years | 15 Years |
|---|---|---|---|
| Conservative (8% p.a.) | £230,900 | £399,358 | £650,334 |
| Moderate (10% p.a.) | £252,180 | £473,314 | £837,148 |
| Optimistic (12% p.a.) | £275,532 | £562,217 | £1,083,037 |
| Ticker | Company | Current Price | Analyst Target | Upside % | Current P/L | Upside to Target | Analysts | Rating |
|---|---|---|---|---|---|---|---|---|
| MSFT | Microsoft | £295.16 | £447.97 | +51.8% | -£252 | £741 | 53 | STRONG_BUY |
| NVDA | Nvidia | £135.91 | £202.22 | +48.8% | £6,507 | £7,128 | 55 | STRONG_BUY |
| META | Meta Platforms | £463.83 | £650.63 | +40.3% | £264 | £705 | 60 | STRONG_BUY |
| AMZN | Amazon | £158.11 | £211.36 | +33.7% | £189 | £581 | 62 | STRONG_BUY |
| LLY | Eli Lilly | £691.63 | £911.08 | +31.7% | £129 | £542 | 29 | BUY |
| DIS | The Walt Disney Company | £74.90 | £97.49 | +30.2% | -£19 | £345 | 28 | BUY |
| ATRL | AtkinsRealis Group | £92.46 | £118.27 | +27.9% | -£9 | £219 | 15 | BUY |
| GOOGL | Alphabet | £231.80 | £283.84 | +22.4% | £1,144 | £564 | 56 | STRONG_BUY |
| JPM | JP Morgan | £216.77 | £259.75 | +19.8% | -£99 | £266 | 23 | BUY |
| AAPL | Apple | £188.30 | £222.57 | +18.2% | -£75 | £279 | 41 | BUY |
| PG | Procter & Gamble | £110.53 | £126.57 | +14.5% | -£58 | £206 | 22 | BUY |
| MRK | Merck & Co | £86.26 | £96.26 | +11.6% | £367 | £202 | 27 | BUY |
| BRK.B | Berkshire Hathaway | £364.99 | £394.01 | +8.0% | -£31 | £78 | 3 | BUY |
| O | Realty Income | £47.49 | £51.12 | +7.6% | £42 | £56 | 20 | HOLD |
| TSLA | Tesla | £295.91 | £317.63 | +7.3% | £199 | £114 | 41 | BUY |
| CAT | Caterpillar | £522.55 | £554.64 | +6.1% | £1,292 | £196 | 26 | BUY |
| LMT | Lockheed Martin | £483.87 | £499.64 | +3.3% | £105 | £31 | 19 | HOLD |
| NEE | NextEra Energy | £68.53 | £70.65 | +3.1% | £158 | £44 | 22 | BUY |
| XOM | Exxon Mobil | £118.72 | £114.07 | -3.9% | £460 | -£62 | 24 | BUY |
| Total (19 stocks) Source: Yahoo Finance (fetched 2026-03-19) | +£12,236 | |||||||
| Ticker | Name | Sector | Value | Weight | P/L | Return |
|---|---|---|---|---|---|---|
| VWRP | Allworld ETF | ETF | £29,313 | 26.4% | £4,534 | +18.3% |
| NVDA | Nvidia | Semiconductors | £14,609 | 13.2% | £6,507 | +80.3% |
| VUAG | S&P 500 ETF | ETF | £10,380 | 9.3% | £1,389 | +15.4% |
| VEUA | Developed Europe ETF | ETF | £5,453 | 4.9% | -£86 | -1.5% |
| IUHC | S&P 500 Healthcare ETF | ETF | £4,149 | 3.7% | £190 | +4.8% |
| VFEG | Emerging Markets ETF | ETF | £3,203 | 2.9% | £129 | +4.2% |
| CAT | Caterpillar | Machinery & Components | £3,196 | 2.9% | £1,292 | +67.8% |
| VHYL | Allworld Dividend ETF | ETF | £3,082 | 2.8% | £63 | +2.1% |
| GOOGL | Alphabet | Software & IT Services | £2,514 | 2.3% | £1,144 | +83.6% |
| IUSU | S&P 500 Utilities ETF | ETF | £2,423 | 2.2% | -£27 | -1.1% |
| VAGU | Global Aggregate Bond ETF | ETF | £2,347 | 2.1% | -£14 | -0.6% |
| IGLN | Gold ETF | ETF | £2,342 | 2.1% | £76 | +3.4% |
| META | Meta Platforms | Software & IT Services | £1,750 | 1.6% | £264 | +17.7% |
| MRK | Merck & Co | Pharmaceuticals | £1,738 | 1.6% | £367 | +26.8% |
| AMZN | Amazon | Diversified Retail | £1,726 | 1.6% | £189 | +12.3% |
| WHCA | World Healthcare ETF | ETF | £1,723 | 1.6% | £71 | +4.3% |
| LLY | Eli Lilly | Pharmaceuticals | £1,708 | 1.5% | £129 | +8.2% |
| INFR | Global Infrastructure ETF | ETF | £1,650 | 1.5% | £82 | +5.3% |
| WLDS | Small Cap ETF | ETF | £1,595 | 1.4% | -£25 | -1.5% |
| XOM | Exxon Mobil | Oil & Gas | £1,574 | 1.4% | £460 | +41.3% |
| Ticker | Name | Sector | Pie | Value | P/L | Return |
|---|---|---|---|---|---|---|
| MSFT | Microsoft | Software & IT Services | Investments | £1,432 | -£252 | -15.0% |
| JPM | JP Morgan | Banking Services | Diversification Stocks | £1,344 | -£99 | -6.8% |
| AAPL | Apple | Computers & Phones | Investments | £1,534 | -£75 | -4.7% |
| PG | Procter & Gamble | Consumer Defensive | Diversification Stocks | £1,416 | -£58 | -3.9% |
| BRK.B | Berkshire Hathaway | Consumer Goods | Diversification Stocks | £985 | -£31 | -3.0% |
| DIS | The Walt Disney Company | Media & Publishing | Investments | £1,144 | -£19 | -1.6% |
| VEUA | Developed Europe ETF | ETF | ETF | £5,453 | -£86 | -1.5% |
| WLDS | Small Cap ETF | ETF | Diversification ETF | £1,595 | -£25 | -1.5% |
| ATRL | AtkinsRealis Group | Construction & Engineering | Diversification Stocks | £785 | -£9 | -1.2% |
| IUSU | S&P 500 Utilities ETF | ETF | Diversification ETF | £2,423 | -£27 | -1.1% |