Tactical Overview
Portfolio Value
£113,712
Cash invested: £86,052
+£3,979 vs yesterday (+3.63%)
True Return on Cash
£27,660
+32.14% on actual money in
Total in the Red
-£739
34 positions underwater
+£310 vs yesterday
Win / Loss · Holdings
28 / 21
57% win rate across 49 positions
Currency Exposure
Pound£60,573 53.3%
Dollar£52,352 46.0%
CAN Dollar£772 0.7%
Euro£14 0.0%
Account Comparison
| ISA | Standard | EL ISA | |
|---|---|---|---|
| Value | £86,487 | £6,868 | £20,357 |
| Invested | £67,731 | £6,928 | £19,991 |
| P/L | £18,756 | -£59 | £366 |
| Return | +27.7% | -0.9% | +1.8% |
ETF Breakdown
Stock Sector Exposure (stocks only, ETFs & Potentials excluded)
Pie Allocation
Pie Returns
Rebalancing Actions
ETFON TRACK
Current: 40.7%Target: 44.5%Drift: -8.6%
Within target range (-8.6%). No action needed.
Healthcare ETFON TRACK
Current: 5.9%Target: 6.0%Drift: -1.4%
Within target range (-1.4%). No action needed.
Diversification ETFON TRACK
Current: 15.2%Target: 15.0%Drift: +1.3%
Within target range (+1.3%). No action needed.
Diversification StocksON TRACK
Current: 11.2%Target: 11.0%Drift: +1.4%
Within target range (+1.4%). No action needed.
InvestmentsON TRACK
Current: 10.2%Target: 10.0%Drift: +1.7%
Within target range (+1.7%). No action needed.
Healthcare StocksON TRACK
Current: 3.2%Target: 3.0%Drift: +5.9%
Within target range (+5.9%). No action needed.
PotentialsMONITOR
Current: 0.6%Target: 0.5%Drift: +12.6%
Slightly overweight (+12.6%). Watch but no action needed yet.
Single InvestmentTRIM
Current: 13.2%Target: 10.0%Drift: +31.5%
Overweight by +31.5%. 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% | 40.7% | +16.9% | £6,698 | -8.6% |
| Diversification ETF | £17,285 | 15.0% | 15.2% | +5.7% | £928 | +1.3% |
| Single Investment | £14,950 | 10.0% | 13.2% | +84.5% | £6,847 | +31.5% |
| Diversification Stocks | £12,677 | 11.0% | 11.2% | +20.4% | £2,146 | +1.4% |
| Investments | £11,560 | 10.0% | 10.2% | +13.3% | £1,353 | +1.7% |
| Healthcare ETF | £6,725 | 6.0% | 5.9% | +8.0% | £497 | -1.4% |
| Healthcare Stocks | £3,612 | 3.0% | 3.2% | +22.5% | £663 | +5.9% |
| Potentials | £640 | 0.5% | 0.6% | -9.9% | -£71 | +12.6% |
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
0.19%
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 62% of the portfolio — well-diversified foundation with selective stock exposure.
⚡ NVDA13.1% of portfolio
NVDA slightly above 10% target at £14,950. Monitoring recommended.
📈 OverweightSingle Investment
Single Investment is +31.5% 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+£14,502
Across 19 screened stocks, analysts see £14,502 additional upside (45.6% from current prices) if targets are met.
🏆 Win Rate57%
28 holdings in profit, 21 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. | 3d away |
| 1 Jun 2026 | Q1 Commission | Planned £10,000 lump sum into ISA from Q1 commission. Deploy per rebalancing plan. | 60d away |
| 1 Sep 2026 | Q2 Commission | First £1,500 quarterly top-up into ISA (3 months after June commission). | 152d away |
| 1 Dec 2026 | Q3 Commission | Planned £1,500 quarterly top-up into ISA. | 243d away |
| 5 Apr 2027 | ISA Year End 2027 | Next annual ISA allowance reset. Bed-and-ISA remaining Standard positions. | 368d away |
Contribution History
Total Deposited
£86,052
Since 18 Nov 2023
Years Investing
2.4
Portfolio growth: £27,660 (+32.1%)
Avg Annual Contribution
£35,855
Across all years
Growth on Contributions
£27,660
Market returns on top of deposits
Annual Contributions by Account
Portfolio Growth Projection
| Scenario | 5 Years | 10 Years | 15 Years |
|---|---|---|---|
| Conservative (8% p.a.) | £234,877 | £405,283 | £659,161 |
| Moderate (10% p.a.) | £256,572 | £480,540 | £849,036 |
| Optimistic (12% p.a.) | £280,381 | £571,027 | £1,099,041 |
Assumes £250/month regular + one-off £10k (June 2026), then £1,500/quarter from Sep 2026 onwards.
Starting from £113,712 current value. Not financial advice.
Projection Chart
Portfolio Value Over Time
Since Inception (2023-12-08)
+£110,267
+3200.6% total growth
1-Day Change
+£3,979
+3.63%
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% | -£268 | £867 | 53 | STRONG_BUY |
| META | Meta Platforms | £411.30 | £647.96 | +57.5% | £203 | £972 | 60 | STRONG_BUY |
| NVDA | Nvidia | £128.63 | £201.48 | +56.6% | £6,847 | £8,468 | 56 | STRONG_BUY |
| DIS | The Walt Disney Company | £71.17 | £97.12 | +36.5% | -£25 | £415 | 28 | BUY |
| AMZN | Amazon | £155.90 | £210.93 | +35.3% | £201 | £614 | 63 | STRONG_BUY |
| LLY | Eli Lilly | £673.81 | £908.43 | +34.8% | £191 | £616 | 29 | BUY |
| GOOGL | Alphabet | £211.02 | £283.01 | +34.1% | £1,123 | £850 | 56 | STRONG_BUY |
| ATRL | AtkinsRealis Group | £88.95 | £117.60 | +32.2% | -£22 | £249 | 15 | BUY |
| PG | Procter & Gamble | £106.98 | £126.20 | +18.0% | -£45 | £257 | 22 | BUY |
| JPM | JP Morgan | £219.09 | £256.28 | +17.0% | -£63 | £234 | 24 | BUY |
| AAPL | Apple | £189.97 | £221.83 | +16.8% | -£25 | £266 | 41 | BUY |
| TSLA | Tesla | £279.52 | £316.45 | +13.2% | £143 | £198 | 41 | BUY |
| O | Realty Income | £45.27 | £50.97 | +12.6% | £64 | £95 | 20 | HOLD |
| BRK.B | Berkshire Hathaway | £357.01 | £392.87 | +10.0% | -£23 | £100 | 3 | BUY |
| MRK | Merck & Co | £89.34 | £96.18 | +7.7% | £472 | £141 | 27 | BUY |
| LMT | Lockheed Martin | £471.24 | £498.98 | +5.9% | £113 | £56 | 19 | HOLD |
| CAT | Caterpillar | £528.22 | £553.03 | +4.7% | £1,428 | £157 | 26 | BUY |
| NEE | NextEra Energy | £68.48 | £70.87 | +3.5% | £213 | £51 | 22 | BUY |
| XOM | Exxon Mobil | £124.27 | £116.28 | -6.4% | £481 | -£103 | 24 | BUY |
| Total (19 stocks) Source: Yahoo Finance (fetched 2026-03-27) | +£14,502 | |||||||
Top 20 Holdings
| Ticker | Name | Sector | Value | Weight | P/L | Return |
|---|---|---|---|---|---|---|
| VWRP | Allworld ETF | ETF | £30,044 | 26.4% | £5,034 | +20.1% |
| NVDA | Nvidia | Semiconductors | £14,950 | 13.2% | £6,847 | +84.5% |
| VUAG | S&P 500 ETF | ETF | £10,497 | 9.2% | £1,505 | +16.7% |
| VEUA | Developed Europe ETF | ETF | £5,722 | 5.0% | £159 | +2.9% |
| IUHC | S&P 500 Healthcare ETF | ETF | £4,274 | 3.8% | £315 | +8.0% |
| CAT | Caterpillar | Machinery & Components | £3,333 | 2.9% | £1,428 | +75.0% |
| VFEG | Emerging Markets ETF | ETF | £3,273 | 2.9% | £199 | +6.5% |
| VHYL | Allworld Dividend ETF | ETF | £3,187 | 2.8% | £168 | +5.5% |
| IUSU | S&P 500 Utilities ETF | ETF | £2,537 | 2.2% | £87 | +3.5% |
| IGLN | Gold ETF | ETF | £2,532 | 2.2% | £266 | +11.7% |
| GOOGL | Alphabet | Software & IT Services | £2,493 | 2.2% | £1,123 | +82.0% |
| VAGU | Global Aggregate Bond ETF | ETF | £2,392 | 2.1% | £31 | +1.3% |
| MRK | Merck & Co | Pharmaceuticals | £1,843 | 1.6% | £472 | +34.4% |
| WHCA | World Healthcare ETF | ETF | £1,794 | 1.6% | £143 | +8.6% |
| LLY | Eli Lilly | Pharmaceuticals | £1,770 | 1.6% | £191 | +12.1% |
| AMZN | Amazon | Diversified Retail | £1,738 | 1.5% | £201 | +13.1% |
| INFR | Global Infrastructure ETF | ETF | £1,722 | 1.5% | £154 | +9.8% |
| META | Meta Platforms | Software & IT Services | £1,690 | 1.5% | £203 | +13.7% |
| WLDS | Small Cap ETF | ETF | £1,642 | 1.4% | £23 | +1.4% |
| XOM | Exxon Mobil | Oil & Gas | £1,595 | 1.4% | £481 | +43.2% |
Bottom 10 Holdings (excluding Potentials pie)
| Ticker | Name | Sector | Pie | Value | P/L | Return |
|---|---|---|---|---|---|---|
| MSFT | Microsoft | Software & IT Services | Investments | £1,416 | -£268 | -15.9% |
| JPM | JP Morgan | Banking Services | Diversification Stocks | £1,380 | -£63 | -4.4% |
| PG | Procter & Gamble | Consumer Defensive | Diversification Stocks | £1,429 | -£45 | -3.0% |
| ATRL | AtkinsRealis Group | Construction & Engineering | Diversification Stocks | £772 | -£22 | -2.7% |
| BRK.B | Berkshire Hathaway | Banking Services | Diversification Stocks | £993 | -£23 | -2.2% |
| DIS | The Walt Disney Company | Media & Publishing | Investments | £1,138 | -£25 | -2.2% |
| AAPL | Apple | Computers & Phones | Investments | £1,584 | -£25 | -1.6% |
| VAGU | Global Aggregate Bond ETF | ETF | Diversification ETF | £2,392 | £31 | +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% |