Tactical Overview
Portfolio Value
£110,516
Cash invested: £86,052
+£783 vs yesterday (+0.71%)
True Return on Cash
£24,464
+28.43% on actual money in
Total in the Red
-£1,077
44 positions underwater
-£29 vs yesterday
Win / Loss · Holdings
23 / 26
47% win rate across 49 positions
Currency Exposure
Pound£58,998 53.4%
Dollar£50,771 45.9%
CAN Dollar£735 0.7%
Euro£13 0.0%
Account Comparison
| ISA | Standard | EL ISA | |
|---|---|---|---|
| Value | £84,096 | £6,500 | £19,920 |
| Invested | £67,731 | £6,673 | £19,991 |
| P/L | £16,365 | -£173 | -£71 |
| Return | +24.2% | -2.6% | -0.4% |
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: -8.7%
Within target range (-8.7%). 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: +1.0%
Within target range (+1.0%). No action needed.
Diversification ETFON TRACK
Current: 15.4%Target: 15.0%Drift: +3.0%
Within target range (+3.0%). No action needed.
Diversification StocksON TRACK
Current: 11.4%Target: 11.0%Drift: +3.4%
Within target range (+3.4%). No action needed.
Healthcare StocksON TRACK
Current: 3.1%Target: 3.0%Drift: +5.1%
Within target range (+5.1%). No action needed.
PotentialsON TRACK
Current: 0.5%Target: 0.5%Drift: +8.8%
Within target range (+8.8%). No action needed.
Single InvestmentTRIM
Current: 12.8%Target: 10.0%Drift: +28.1%
Overweight by +28.1%. Consider trimming or pausing new contributions to this pie.
Pie Distribution vs Targets
| Pie | Value | Target % | Current % | Return | P/L | Relative Drift |
|---|---|---|---|---|---|---|
| ETF | £44,890 | 44.5% | 40.6% | +14.2% | £5,581 | -8.7% |
| Diversification ETF | £17,067 | 15.0% | 15.4% | +4.3% | £710 | +3.0% |
| Single Investment | £14,163 | 10.0% | 12.8% | +74.8% | £6,060 | +28.1% |
| Diversification Stocks | £12,571 | 11.0% | 11.4% | +19.4% | £2,041 | +3.4% |
| Investments | £11,163 | 10.0% | 10.1% | +9.4% | £956 | +1.0% |
| Healthcare ETF | £6,576 | 6.0% | 6.0% | +5.6% | £348 | -0.8% |
| Healthcare Stocks | £3,485 | 3.0% | 3.1% | +18.2% | £536 | +5.1% |
| Potentials | £601 | 0.5% | 0.5% | -15.4% | -£110 | +8.8% |
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.
⚡ NVDA12.8% of portfolio
NVDA slightly above 10% target at £14,163. Monitoring recommended.
📈 OverweightSingle Investment
Single Investment is +28.1% 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+£13,825
Across 19 screened stocks, analysts see £13,825 additional upside (43.5% from current prices) if targets are met.
🏆 Win Rate47%
23 holdings in profit, 26 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. | 6d away |
| 1 Jun 2026 | Q1 Commission | Planned £10,000 lump sum into ISA from Q1 commission. Deploy per rebalancing plan. | 63d away |
| 1 Sep 2026 | Q2 Commission | First £1,500 quarterly top-up into ISA (3 months after June commission). | 155d away |
| 1 Dec 2026 | Q3 Commission | Planned £1,500 quarterly top-up into ISA. | 246d away |
| 5 Apr 2027 | ISA Year End 2027 | Next annual ISA allowance reset. Bed-and-ISA remaining Standard positions. | 371d away |
Contribution History
Total Deposited
£86,052
Since 18 Nov 2023
Years Investing
2.4
Portfolio growth: £24,464 (+28.4%)
Avg Annual Contribution
£35,855
Across all years
Growth on Contributions
£24,464
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.) | £230,115 | £398,189 | £648,592 |
| Moderate (10% p.a.) | £251,314 | £471,888 | £834,801 |
| Optimistic (12% p.a.) | £274,575 | £560,478 | £1,079,878 |
Assumes £250/month regular + one-off £10k (June 2026), then £1,500/quarter from Sep 2026 onwards.
Starting from £110,516 current value. Not financial advice.
Projection Chart
Portfolio Value Over Time
Since Inception (2023-12-08)
+£107,071
+3107.9% total growth
1-Day Change
+£783
+0.71%
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% | -£300 | £847 | 53 | STRONG_BUY |
| META | Meta Platforms | £411.30 | £647.96 | +57.5% | £100 | £913 | 60 | STRONG_BUY |
| NVDA | Nvidia | £128.63 | £201.48 | +56.6% | £6,060 | £8,022 | 56 | STRONG_BUY |
| DIS | The Walt Disney Company | £71.17 | £97.12 | +36.5% | -£41 | £409 | 28 | BUY |
| AMZN | Amazon | £155.90 | £210.93 | +35.3% | £154 | £597 | 63 | STRONG_BUY |
| LLY | Eli Lilly | £673.81 | £908.43 | +34.8% | £102 | £585 | 29 | BUY |
| GOOGL | Alphabet | £211.02 | £283.01 | +34.1% | £958 | £794 | 56 | STRONG_BUY |
| ATRL | AtkinsRealis Group | £88.95 | £117.60 | +32.2% | -£59 | £237 | 15 | BUY |
| PG | Procter & Gamble | £106.98 | £126.20 | +18.0% | -£24 | £260 | 22 | BUY |
| JPM | JP Morgan | £219.09 | £256.28 | +17.0% | -£97 | £228 | 24 | BUY |
| AAPL | Apple | £189.97 | £221.83 | +16.8% | -£77 | £257 | 41 | BUY |
| TSLA | Tesla | £279.52 | £316.45 | +13.2% | £161 | £201 | 41 | BUY |
| O | Realty Income | £45.27 | £50.97 | +12.6% | £56 | £94 | 20 | HOLD |
| BRK.B | Berkshire Hathaway | £357.01 | £392.87 | +10.0% | -£22 | £100 | 3 | BUY |
| MRK | Merck & Co | £89.34 | £96.18 | +7.7% | £434 | £138 | 27 | BUY |
| LMT | Lockheed Martin | £471.24 | £498.98 | +5.9% | £93 | £54 | 19 | HOLD |
| CAT | Caterpillar | £528.22 | £553.03 | +4.7% | £1,264 | £149 | 26 | BUY |
| NEE | NextEra Energy | £68.48 | £70.87 | +3.5% | £207 | £51 | 22 | BUY |
| XOM | Exxon Mobil | £124.27 | £116.28 | -6.4% | £622 | -£112 | 24 | BUY |
| Total (19 stocks) Source: Yahoo Finance (fetched 2026-03-27) | +£13,825 | |||||||
Top 20 Holdings
| Ticker | Name | Sector | Value | Weight | P/L | Return |
|---|---|---|---|---|---|---|
| VWRP | Allworld ETF | ETF | £29,128 | 26.4% | £4,349 | +17.6% |
| NVDA | Nvidia | Semiconductors | £14,163 | 12.8% | £6,060 | +74.8% |
| VUAG | S&P 500 ETF | ETF | £10,254 | 9.3% | £1,262 | +14.0% |
| VEUA | Developed Europe ETF | ETF | £5,508 | 5.0% | -£31 | -0.6% |
| IUHC | S&P 500 Healthcare ETF | ETF | £4,183 | 3.8% | £224 | +5.7% |
| VFEG | Emerging Markets ETF | ETF | £3,220 | 2.9% | £145 | +4.7% |
| CAT | Caterpillar | Machinery & Components | £3,168 | 2.9% | £1,264 | +66.4% |
| VHYL | Allworld Dividend ETF | ETF | £3,143 | 2.8% | £123 | +4.1% |
| IUSU | S&P 500 Utilities ETF | ETF | £2,542 | 2.3% | £92 | +3.8% |
| IGLN | Gold ETF | ETF | £2,469 | 2.2% | £203 | +9.0% |
| VAGU | Global Aggregate Bond ETF | ETF | £2,387 | 2.2% | £26 | +1.1% |
| GOOGL | Alphabet | Software & IT Services | £2,328 | 2.1% | £958 | +70.0% |
| MRK | Merck & Co | Pharmaceuticals | £1,805 | 1.6% | £434 | +31.7% |
| WHCA | World Healthcare ETF | ETF | £1,757 | 1.6% | £106 | +6.4% |
| XOM | Exxon Mobil | Oil & Gas | £1,736 | 1.6% | £622 | +55.9% |
| INFR | Global Infrastructure ETF | ETF | £1,711 | 1.6% | £143 | +9.1% |
| AMZN | Amazon | Diversified Retail | £1,691 | 1.5% | £154 | +10.0% |
| LLY | Eli Lilly | Pharmaceuticals | £1,680 | 1.5% | £102 | +6.4% |
| WLDS | Small Cap ETF | ETF | £1,597 | 1.4% | -£23 | -1.4% |
| META | Meta Platforms | Software & IT Services | £1,587 | 1.4% | £101 | +6.8% |
Bottom 10 Holdings (excluding Potentials pie)
| Ticker | Name | Sector | Pie | Value | P/L | Return |
|---|---|---|---|---|---|---|
| MSFT | Microsoft | Software & IT Services | Investments | £1,384 | -£300 | -17.8% |
| ATRL | AtkinsRealis Group | Construction & Engineering | Diversification Stocks | £735 | -£59 | -7.5% |
| JPM | JP Morgan | Banking Services | Diversification Stocks | £1,346 | -£97 | -6.7% |
| AAPL | Apple | Computers & Phones | Investments | £1,532 | -£77 | -4.8% |
| DIS | The Walt Disney Company | Media & Publishing | Investments | £1,122 | -£41 | -3.5% |
| BRK.B | Berkshire Hathaway | Banking Services | Diversification Stocks | £994 | -£22 | -2.2% |
| PG | Procter & Gamble | Consumer Defensive | Diversification Stocks | £1,450 | -£24 | -1.6% |
| WLDS | Small Cap ETF | ETF | Diversification ETF | £1,597 | -£23 | -1.4% |
| VEUA | Developed Europe ETF | ETF | ETF | £5,508 | -£31 | -0.6% |
| VAGU | Global Aggregate Bond ETF | ETF | Diversification ETF | £2,387 | £26 | +1.1% |