Tactical Overview
Portfolio Value
£110,114
Cash invested: £85,952
+£380 vs yesterday (+0.35%)
True Return on Cash
£24,162
+28.11% on actual money in
Total in the Red
-£351
27 positions underwater
+£697 vs yesterday
Win / Loss · Holdings
29 / 20
59% win rate across 49 positions
Currency Exposure
Pound£60,573 55.0%
Dollar£48,756 44.3%
CAN Dollar£771 0.7%
Euro£14 0.0%
Account Comparison
| ISA | Standard | EL ISA | |
|---|---|---|---|
| Value | £86,573 | £3,186 | £20,355 |
| Invested | £67,731 | £2,919 | £19,991 |
| P/L | £18,842 | £267 | £364 |
| Return | +27.8% | +9.1% | +1.8% |
ETF Breakdown
Stock Sector Exposure (stocks only, ETFs & Potentials excluded)
Pie Allocation
Pie Returns
Rebalancing Actions
InvestmentsADD
Current: 8.4%Target: 10.0%Drift: -16.4%
Moderately underweight (-16.4%). Consider adding in next top-up — £1,804 short.
ETFON TRACK
Current: 42.0%Target: 44.5%Drift: -5.6%
Within target range (-5.6%). No action needed.
Healthcare StocksON TRACK
Current: 2.9%Target: 3.0%Drift: -3.6%
Within target range (-3.6%). No action needed.
Diversification StocksON TRACK
Current: 10.8%Target: 11.0%Drift: -2.2%
Within target range (-2.2%). No action needed.
Healthcare ETFON TRACK
Current: 6.1%Target: 6.0%Drift: +1.8%
Within target range (+1.8%). No action needed.
Diversification ETFON TRACK
Current: 15.7%Target: 15.0%Drift: +4.6%
Within target range (+4.6%). No action needed.
PotentialsMONITOR
Current: 0.6%Target: 0.5%Drift: +17.8%
Slightly overweight (+17.8%). Watch but no action needed yet.
Single InvestmentTRIM
Current: 13.6%Target: 10.0%Drift: +35.9%
Overweight by +35.9%. Consider trimming or pausing new contributions to this pie.
Pie Distribution vs Targets
| Pie | Value | Target % | Current % | Return | P/L | Relative Drift |
|---|---|---|---|---|---|---|
| ETF | £46,262 | 44.5% | 42.0% | +16.9% | £6,698 | -5.6% |
| Diversification ETF | £17,283 | 15.0% | 15.7% | +5.7% | £926 | +4.6% |
| Single Investment | £14,964 | 10.0% | 13.6% | +84.7% | £6,862 | +35.9% |
| Diversification Stocks | £11,842 | 11.0% | 10.8% | +23.1% | £2,218 | -2.2% |
| Investments | £9,207 | 10.0% | 8.4% | +23.1% | £1,725 | -16.4% |
| Healthcare ETF | £6,723 | 6.0% | 6.1% | +8.0% | £495 | +1.8% |
| Healthcare Stocks | £3,183 | 3.0% | 2.9% | +23.7% | £611 | -3.6% |
| Potentials | £649 | 0.5% | 0.6% | -8.7% | -£62 | +17.8% |
Dividend Income
Trailing 12-Month Income
£220.87
≈ £18.41/month average
2026 Income To Date
£80.27
113 payments received all time
Portfolio Yield
0.20%
Based on trailing 12m ÷ portfolio value
Annualised Run Rate
£220.87
Trailing 12m annualised
Annual Dividend Growth
| Ticker | Name | Total Received | Share of Income |
|---|---|---|---|
| O | Realty Income | £46.22 | 21% |
| MET | MetLife | £34.26 | 16% |
| VHYL | Vanguard FTSE All-World High Dividend Yield (Dist) | £27.12 | 12% |
| XOM | Exxon Mobil | £15.24 | 7% |
| DIS | Walt Disney | £14.92 | 7% |
| CAT | Caterpillar | £14.90 | 7% |
| PG | Procter & Gamble | £13.39 | 6% |
| NEE | NextEra Energy | £12.66 | 6% |
| MSFT | Microsoft | £10.85 | 5% |
| NVDA | Nvidia | £10.42 | 5% |
Portfolio Commentary
🛡️ Risk LevelModerate
ETF core is 64% of the portfolio — well-diversified foundation with selective stock exposure.
⚡ NVDA13.6% of portfolio
NVDA slightly above 10% target at £14,964. Monitoring recommended.
📉 UnderweightInvestments
Investments is -16.4% below target (£1,804 short). Prioritise in next contribution.
📈 Top Analyst UpsideMSFT +61.2%
Analysts see 61.2% upside in Microsoft to a target of £443.12.
🎯 Screened Stocks Upside+£13,596
Across 19 screened stocks, analysts see £13,596 additional upside (48.9% from current prices) if targets are met.
🏆 Win Rate59%
29 holdings in profit, 20 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. | Passed |
| 1 Jun 2026 | Q1 Commission | Planned £10,000 lump sum into ISA from Q1 commission. Deploy per rebalancing plan. | 56d away |
| 1 Sep 2026 | Q2 Commission | First £1,500 quarterly top-up into ISA (3 months after June commission). | 148d away |
| 1 Dec 2026 | Q3 Commission | Planned £1,500 quarterly top-up into ISA. | 239d away |
| 5 Apr 2027 | ISA Year End 2027 | Next annual ISA allowance reset. Bed-and-ISA remaining Standard positions. | 364d away |
Contribution History
Total Deposited
£109,758
Since 18 Nov 2023
Years Investing
2.4
Portfolio growth: £24,162 (+28.1%)
Avg Annual Contribution
£45,733
Across all years
Growth on Contributions
£355
Market returns on top of deposits
Annual Contributions by Account
Portfolio Growth Projection
| Scenario | 5 Years | 10 Years | 15 Years |
|---|---|---|---|
| Conservative (8% p.a.) | £229,516 | £397,295 | £647,261 |
| Moderate (10% p.a.) | £250,651 | £470,799 | £833,009 |
| Optimistic (12% p.a.) | £273,844 | £559,150 | £1,077,465 |
Assumes £250/month regular + one-off £10k (June 2026), then £1,500/quarter from Sep 2026 onwards.
Starting from £110,114 current value. Not financial advice.
Projection Chart
Portfolio Value Over Time
Since Inception (2023-12-08)
+£106,668
+3096.2% total growth
1-Day Change
+£380
+0.35%
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% | -£151 | £624 | 53 | STRONG_BUY |
| META | Meta Platforms | £411.30 | £647.96 | +57.5% | £222 | £851 | 60 | STRONG_BUY |
| NVDA | Nvidia | £128.63 | £201.48 | +56.6% | £6,862 | £8,476 | 56 | STRONG_BUY |
| DIS | The Walt Disney Company | £71.17 | £97.12 | +36.5% | -£10 | £328 | 28 | BUY |
| AMZN | Amazon | £155.90 | £210.93 | +35.3% | £237 | £573 | 63 | STRONG_BUY |
| LLY | Eli Lilly | £673.81 | £908.43 | +34.8% | £185 | £564 | 29 | BUY |
| GOOGL | Alphabet | £211.02 | £283.01 | +34.1% | £1,158 | £862 | 56 | STRONG_BUY |
| ATRL | AtkinsRealis Group | £88.95 | £117.60 | +32.2% | -£23 | £248 | 15 | BUY |
| PG | Procter & Gamble | £106.98 | £126.20 | +18.0% | -£49 | £256 | 22 | BUY |
| JPM | JP Morgan | £219.09 | £256.28 | +17.0% | -£20 | £94 | 24 | BUY |
| AAPL | Apple | £189.97 | £221.83 | +16.8% | £65 | £105 | 41 | BUY |
| TSLA | Tesla | £279.52 | £316.45 | +13.2% | £204 | £137 | 41 | BUY |
| O | Realty Income | £45.27 | £50.97 | +12.6% | £59 | £94 | 20 | HOLD |
| BRK.B | Berkshire Hathaway | £357.01 | £392.87 | +10.0% | -£25 | £100 | 3 | BUY |
| MRK | Merck & Co | £89.34 | £96.18 | +7.7% | £426 | £120 | 27 | BUY |
| LMT | Lockheed Martin | £471.24 | £498.98 | +5.9% | £135 | £57 | 19 | HOLD |
| CAT | Caterpillar | £528.22 | £553.03 | +4.7% | £1,446 | £157 | 26 | BUY |
| NEE | NextEra Energy | £68.48 | £70.87 | +3.5% | £205 | £51 | 22 | BUY |
| XOM | Exxon Mobil | £124.27 | £116.28 | -6.4% | £490 | -£101 | 24 | BUY |
| Total (19 stocks) Source: Yahoo Finance (fetched 2026-03-27) | +£13,596 | |||||||
Top 20 Holdings
| Ticker | Name | Sector | Value | Weight | P/L | Return |
|---|---|---|---|---|---|---|
| VWRP | Allworld ETF | ETF | £30,044 | 27.3% | £5,034 | +20.1% |
| NVDA | Nvidia | Semiconductors | £14,964 | 13.6% | £6,862 | +84.7% |
| VUAG | S&P 500 ETF | ETF | £10,497 | 9.5% | £1,505 | +16.7% |
| VEUA | Developed Europe ETF | ETF | £5,722 | 5.2% | £159 | +2.9% |
| IUHC | S&P 500 Healthcare ETF | ETF | £4,273 | 3.9% | £313 | +7.9% |
| CAT | Caterpillar | Machinery & Components | £3,350 | 3.0% | £1,446 | +75.9% |
| VFEG | Emerging Markets ETF | ETF | £3,273 | 3.0% | £199 | +6.5% |
| VHYL | Allworld Dividend ETF | ETF | £3,187 | 2.9% | £168 | +5.5% |
| IUSU | S&P 500 Utilities ETF | ETF | £2,537 | 2.3% | £87 | +3.5% |
| IGLN | Gold ETF | ETF | £2,531 | 2.3% | £265 | +11.7% |
| GOOGL | Alphabet | Software & IT Services | £2,527 | 2.3% | £1,158 | +84.6% |
| VAGU | Global Aggregate Bond ETF | ETF | £2,391 | 2.2% | £30 | +1.3% |
| WHCA | World Healthcare ETF | ETF | £1,794 | 1.6% | £143 | +8.6% |
| INFR | Global Infrastructure ETF | ETF | £1,722 | 1.6% | £154 | +9.8% |
| WLDS | Small Cap ETF | ETF | £1,642 | 1.5% | £23 | +1.4% |
| AMZN | Amazon | Diversified Retail | £1,623 | 1.5% | £237 | +17.1% |
| LLY | Eli Lilly | Pharmaceuticals | £1,621 | 1.5% | £185 | +12.9% |
| XOM | Exxon Mobil | Oil & Gas | £1,563 | 1.4% | £490 | +45.7% |
| MRK | Merck & Co | Pharmaceuticals | £1,562 | 1.4% | £426 | +37.5% |
| META | Meta Platforms | Software & IT Services | £1,479 | 1.3% | £222 | +17.6% |
Bottom 10 Holdings (excluding Potentials pie)
| Ticker | Name | Sector | Pie | Value | P/L | Return |
|---|---|---|---|---|---|---|
| MSFT | Microsoft | Software & IT Services | Investments | £1,019 | -£151 | -12.9% |
| JPM | JP Morgan | Banking Services | Diversification Stocks | £556 | -£20 | -3.5% |
| PG | Procter & Gamble | Consumer Defensive | Diversification Stocks | £1,425 | -£49 | -3.3% |
| ATRL | AtkinsRealis Group | Construction & Engineering | Diversification Stocks | £771 | -£23 | -2.9% |
| BRK.B | Berkshire Hathaway | Banking Services | Diversification Stocks | £991 | -£25 | -2.5% |
| DIS | The Walt Disney Company | Media & Publishing | Investments | £899 | -£10 | -1.1% |
| VAGU | Global Aggregate Bond ETF | ETF | Diversification ETF | £2,391 | £30 | +1.3% |
| WLDS | Small Cap ETF | ETF | Diversification ETF | £1,642 | £23 | +1.4% |
| VEUA | Developed Europe ETF | ETF | ETF | £5,722 | £159 | +2.9% |
| IUSU | S&P 500 Utilities ETF | ETF | Diversification ETF | £2,537 | £87 | +3.5% |