| ISA | Standard | |
|---|---|---|
| Value | £84,618 | £6,447 |
| Invested | £67,731 | £6,673 |
| P/L | £16,887 | -£226 |
| Return | +24.9% | -3.4% |
Within target range (-8.6%). No action needed.
Within target range (-1.5%). No action needed.
Within target range (+0.9%). No action needed.
Within target range (+1.0%). No action needed.
Within target range (+3.0%). No action needed.
Within target range (+4.4%). No action needed.
Slightly overweight (+16.7%). Watch but no action needed yet.
Overweight by +30.4%. Consider trimming or pausing new contributions to this pie.
| Pie | Value | Target % | Current % | Return | P/L | Relative Drift |
|---|---|---|---|---|---|---|
| ETF | £45,090 | 44.5% | 40.7% | +14.7% | £5,781 | -8.6% |
| Diversification ETF | £16,799 | 15.0% | 15.2% | +2.7% | £442 | +1.0% |
| Single Investment | £14,452 | 10.0% | 13.0% | +78.4% | £6,350 | +30.4% |
| Diversification Stocks | £12,303 | 11.0% | 11.1% | +16.8% | £1,772 | +0.9% |
| Investments | £11,574 | 10.0% | 10.4% | +13.4% | £1,367 | +4.4% |
| Healthcare ETF | £6,554 | 6.0% | 5.9% | +5.2% | £325 | -1.5% |
| Healthcare Stocks | £3,426 | 3.0% | 3.1% | +16.2% | £477 | +3.0% |
| Potentials | £647 | 0.5% | 0.6% | -9.0% | -£64 | +16.7% |
| 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 £14,452. Monitoring recommended.
Single Investment is +30.4% 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 £12,126 additional upside (38.1% from current prices) if targets are met.
23 holdings in profit, 26 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. | 15d away |
| 1 Jun 2026 | 💰 £10k Lump Sum | Planned £10,000 lump sum into ISA. Deploy per rebalancing plan. | 72d away |
| 1 Sep 2026 | 💰 Q1 Quarterly | First £1,500 quarterly top-up into ISA (3 months after June lump sum). | 164d away |
| 1 Dec 2026 | 💰 Q2 Quarterly | Planned £1,500 quarterly top-up into ISA. | 255d away |
| 5 Apr 2027 | 🗓️ ISA Year End 2027 | Next annual ISA allowance reset. Bed-and-ISA remaining Standard positions. | 380d away |
| Scenario | 5 Years | 10 Years | 15 Years |
|---|---|---|---|
| Conservative (8% p.a.) | £230,606 | £398,919 | £649,680 |
| Moderate (10% p.a.) | £251,855 | £472,779 | £836,267 |
| Optimistic (12% p.a.) | £275,173 | £561,565 | £1,081,852 |
| Ticker | Company | Current Price | Analyst Target | Upside % | Current P/L | Upside to Target | Analysts | Rating |
|---|---|---|---|---|---|---|---|---|
| MSFT | Microsoft | £295.16 | £447.97 | +51.8% | -£248 | £743 | 53 | STRONG_BUY |
| NVDA | Nvidia | £135.91 | £202.22 | +48.8% | £6,350 | £7,051 | 55 | STRONG_BUY |
| META | Meta Platforms | £463.83 | £650.63 | +40.3% | £245 | £697 | 60 | STRONG_BUY |
| AMZN | Amazon | £158.11 | £211.36 | +33.7% | £150 | £568 | 62 | STRONG_BUY |
| LLY | Eli Lilly | £691.63 | £911.08 | +31.7% | £122 | £539 | 29 | BUY |
| DIS | The Walt Disney Company | £74.90 | £97.49 | +30.2% | -£1 | £350 | 28 | BUY |
| ATRL | AtkinsRealis Group | £92.46 | £118.27 | +27.9% | -£40 | £210 | 15 | BUY |
| GOOGL | Alphabet | £231.80 | £283.84 | +22.4% | £1,146 | £565 | 56 | STRONG_BUY |
| JPM | JP Morgan | £216.77 | £259.75 | +19.8% | -£111 | £264 | 23 | BUY |
| AAPL | Apple | £188.30 | £222.57 | +18.2% | -£87 | £277 | 41 | BUY |
| PG | Procter & Gamble | £110.53 | £126.57 | +14.5% | -£44 | £207 | 22 | BUY |
| MRK | Merck & Co | £86.26 | £96.26 | +11.6% | £355 | £200 | 27 | BUY |
| BRK.B | Berkshire Hathaway | £364.99 | £394.01 | +8.0% | -£23 | £79 | 3 | BUY |
| O | Realty Income | £47.49 | £51.12 | +7.6% | £43 | £56 | 20 | HOLD |
| TSLA | Tesla | £295.91 | £317.63 | +7.3% | £161 | £112 | 41 | BUY |
| CAT | Caterpillar | £522.55 | £554.64 | +6.1% | £1,233 | £193 | 26 | BUY |
| LMT | Lockheed Martin | £483.87 | £499.64 | +3.3% | £112 | £31 | 19 | HOLD |
| NEE | NextEra Energy | £68.53 | £70.65 | +3.1% | £144 | £44 | 22 | BUY |
| XOM | Exxon Mobil | £118.72 | £114.07 | -3.9% | £459 | -£62 | 24 | BUY |
| Total (19 stocks) Source: Yahoo Finance (fetched 2026-03-19) | +£12,126 | |||||||
| Ticker | Name | Sector | Value | Weight | P/L | Return |
|---|---|---|---|---|---|---|
| VWRP | Allworld ETF | ETF | £29,265 | 26.4% | £4,487 | +18.1% |
| NVDA | Nvidia | Semiconductors | £14,452 | 13.0% | £6,350 | +78.4% |
| VUAG | S&P 500 ETF | ETF | £10,396 | 9.4% | £1,404 | +15.6% |
| VEUA | Developed Europe ETF | ETF | £5,429 | 4.9% | -£109 | -2.0% |
| IUHC | S&P 500 Healthcare ETF | ETF | £4,187 | 3.8% | £228 | +5.8% |
| VFEG | Emerging Markets ETF | ETF | £3,192 | 2.9% | £117 | +3.8% |
| CAT | Caterpillar | Machinery & Components | £3,137 | 2.8% | £1,233 | +64.8% |
| VHYL | Allworld Dividend ETF | ETF | £3,086 | 2.8% | £67 | +2.2% |
| GOOGL | Alphabet | Software & IT Services | £2,516 | 2.3% | £1,146 | +83.7% |
| IGLN | Gold ETF | ETF | £2,463 | 2.2% | £198 | +8.7% |
| IUSU | S&P 500 Utilities ETF | ETF | £2,455 | 2.2% | £5 | +0.2% |
| VAGU | Global Aggregate Bond ETF | ETF | £2,355 | 2.1% | -£6 | -0.2% |
| WHCA | World Healthcare ETF | ETF | £1,737 | 1.6% | £86 | +5.2% |
| META | Meta Platforms | Software & IT Services | £1,732 | 1.6% | £245 | +16.5% |
| MRK | Merck & Co | Pharmaceuticals | £1,726 | 1.6% | £355 | +25.9% |
| LLY | Eli Lilly | Pharmaceuticals | £1,700 | 1.5% | £122 | +7.7% |
| AMZN | Amazon | Diversified Retail | £1,687 | 1.5% | £150 | +9.8% |
| INFR | Global Infrastructure ETF | ETF | £1,665 | 1.5% | £97 | +6.2% |
| WLDS | Small Cap ETF | ETF | £1,584 | 1.4% | -£36 | -2.2% |
| XOM | Exxon Mobil | Oil & Gas | £1,572 | 1.4% | £459 | +41.2% |
| Ticker | Name | Sector | Pie | Value | P/L | Return |
|---|---|---|---|---|---|---|
| MSFT | Microsoft | Software & IT Services | Investments | £1,436 | -£248 | -14.7% |
| JPM | JP Morgan | Banking Services | Diversification Stocks | £1,332 | -£111 | -7.7% |
| AAPL | Apple | Computers & Phones | Investments | £1,522 | -£87 | -5.4% |
| ATRL | AtkinsRealis Group | Construction & Engineering | Diversification Stocks | £754 | -£40 | -5.1% |
| PG | Procter & Gamble | Consumer Defensive | Diversification Stocks | £1,430 | -£44 | -3.0% |
| BRK.B | Berkshire Hathaway | Consumer Goods | Diversification Stocks | £993 | -£23 | -2.3% |
| WLDS | Small Cap ETF | ETF | Diversification ETF | £1,584 | -£36 | -2.2% |
| VEUA | Developed Europe ETF | ETF | ETF | £5,429 | -£109 | -2.0% |
| VAGU | Global Aggregate Bond ETF | ETF | Diversification ETF | £2,355 | -£6 | -0.2% |
| DIS | The Walt Disney Company | Media & Publishing | Investments | £1,162 | -£1 | -0.1% |