| ISA | Standard | EL ISA | |
|---|---|---|---|
| Value | £84,636 | £6,455 | £19,839 |
| Invested | £67,731 | £6,673 | £19,991 |
| P/L | £16,905 | -£218 | -£152 |
| Return | +25.0% | -3.3% | -0.8% |
Within target range (-8.8%). No action needed.
Within target range (-0.8%). No action needed.
Within target range (+0.8%). No action needed.
Within target range (+2.3%). No action needed.
Within target range (+2.4%). No action needed.
Within target range (+5.6%). No action needed.
Slightly overweight (+13.7%). Watch but no action needed yet.
Overweight by +31.0%. Consider trimming or pausing new contributions to this pie.
| Pie | Value | Target % | Current % | Return | P/L | Relative Drift |
|---|---|---|---|---|---|---|
| ETF | £45,028 | 44.5% | 40.6% | +14.6% | £5,719 | -8.8% |
| Diversification ETF | £16,776 | 15.0% | 15.1% | +2.6% | £419 | +0.8% |
| Single Investment | £14,535 | 10.0% | 13.1% | +79.4% | £6,432 | +31.0% |
| Diversification Stocks | £12,496 | 11.0% | 11.3% | +18.7% | £1,966 | +2.4% |
| Investments | £11,346 | 10.0% | 10.2% | +11.2% | £1,138 | +2.3% |
| Healthcare ETF | £6,606 | 6.0% | 6.0% | +6.1% | £378 | -0.8% |
| Healthcare Stocks | £3,513 | 3.0% | 3.2% | +19.1% | £564 | +5.6% |
| Potentials | £630 | 0.5% | 0.6% | -11.3% | -£80 | +13.7% |
| 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 £14,535. Monitoring recommended.
Single Investment is +31.0% above target. Consider pausing new contributions here.
Analysts see 61.2% upside in Microsoft to a target of £443.12.
Across 19 screened stocks, analysts see £14,111 additional upside (44.4% from current prices) if targets are met.
24 holdings in profit, 25 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. | 9d away |
| 1 Jun 2026 | 💰 Q1 Commission | Planned £10,000 lump sum into ISA from Q1 commission. Deploy per rebalancing plan. | 66d away |
| 1 Sep 2026 | 💰 Q2 Commission | First £1,500 quarterly top-up into ISA (3 months after June commission). | 158d away |
| 1 Dec 2026 | 💰 Q3 Commission | Planned £1,500 quarterly top-up into ISA. | 249d away |
| 5 Apr 2027 | 🗓️ ISA Year End 2027 | Next annual ISA allowance reset. Bed-and-ISA remaining Standard positions. | 374d away |
| Scenario | 5 Years | 10 Years | 15 Years |
|---|---|---|---|
| Conservative (8% p.a.) | £230,733 | £399,108 | £649,962 |
| Moderate (10% p.a.) | £251,995 | £473,010 | £836,647 |
| Optimistic (12% p.a.) | £275,327 | £561,846 | £1,082,363 |
| Ticker | Company | Current Price | Analyst Target | Upside % | Current P/L | Upside to Target | Analysts | Rating |
|---|---|---|---|---|---|---|---|---|
| MSFT | Microsoft | £274.91 | £443.12 | +61.2% | -£299 | £848 | 53 | STRONG_BUY |
| META | Meta Platforms | £411.30 | £647.96 | +57.5% | £127 | £928 | 60 | STRONG_BUY |
| NVDA | Nvidia | £128.63 | £201.48 | +56.6% | £6,432 | £8,233 | 56 | STRONG_BUY |
| DIS | The Walt Disney Company | £71.17 | £97.12 | +36.5% | -£52 | £405 | 28 | BUY |
| AMZN | Amazon | £155.90 | £210.93 | +35.3% | £190 | £610 | 63 | STRONG_BUY |
| LLY | Eli Lilly | £673.81 | £908.43 | +34.8% | £122 | £592 | 29 | BUY |
| GOOGL | Alphabet | £211.02 | £283.01 | +34.1% | £1,005 | £810 | 56 | STRONG_BUY |
| ATRL | AtkinsRealis Group | £88.95 | £117.60 | +32.2% | -£27 | £247 | 15 | BUY |
| PG | Procter & Gamble | £106.98 | £126.20 | +18.0% | -£54 | £255 | 22 | BUY |
| JPM | JP Morgan | £219.09 | £256.28 | +17.0% | -£84 | £231 | 24 | BUY |
| AAPL | Apple | £189.97 | £221.83 | +16.8% | -£35 | £264 | 41 | BUY |
| TSLA | Tesla | £279.52 | £316.45 | +13.2% | £202 | £206 | 41 | BUY |
| O | Realty Income | £45.27 | £50.97 | +12.6% | £39 | £92 | 20 | HOLD |
| BRK.B | Berkshire Hathaway | £357.01 | £392.87 | +10.0% | -£34 | £99 | 3 | BUY |
| MRK | Merck & Co | £89.34 | £96.18 | +7.7% | £442 | £139 | 27 | BUY |
| LMT | Lockheed Martin | £471.24 | £498.98 | +5.9% | £111 | £56 | 19 | HOLD |
| CAT | Caterpillar | £528.22 | £553.03 | +4.7% | £1,333 | £152 | 26 | BUY |
| NEE | NextEra Energy | £68.48 | £70.87 | +3.5% | £173 | £50 | 22 | BUY |
| XOM | Exxon Mobil | £124.27 | £116.28 | -6.4% | £509 | -£104 | 24 | BUY |
| Total (19 stocks) Source: Yahoo Finance (fetched 2026-03-27) | +£14,111 | |||||||
| Ticker | Name | Sector | Value | Weight | P/L | Return |
|---|---|---|---|---|---|---|
| VWRP | Allworld ETF | ETF | £29,209 | 26.3% | £4,430 | +17.9% |
| NVDA | Nvidia | Semiconductors | £14,535 | 13.1% | £6,432 | +79.4% |
| VUAG | S&P 500 ETF | ETF | £10,335 | 9.3% | £1,344 | +14.9% |
| VEUA | Developed Europe ETF | ETF | £5,484 | 4.9% | -£55 | -1.0% |
| IUHC | S&P 500 Healthcare ETF | ETF | £4,214 | 3.8% | £255 | +6.5% |
| CAT | Caterpillar | Machinery & Components | £3,237 | 2.9% | £1,333 | +70.0% |
| VFEG | Emerging Markets ETF | ETF | £3,217 | 2.9% | £142 | +4.6% |
| VHYL | Allworld Dividend ETF | ETF | £3,116 | 2.8% | £96 | +3.2% |
| IUSU | S&P 500 Utilities ETF | ETF | £2,460 | 2.2% | £10 | +0.4% |
| GOOGL | Alphabet | Software & IT Services | £2,374 | 2.1% | £1,005 | +73.4% |
| IGLN | Gold ETF | ETF | £2,360 | 2.1% | £94 | +4.2% |
| VAGU | Global Aggregate Bond ETF | ETF | £2,353 | 2.1% | -£8 | -0.3% |
| MRK | Merck & Co | Pharmaceuticals | £1,813 | 1.6% | £442 | +32.2% |
| WHCA | World Healthcare ETF | ETF | £1,750 | 1.6% | £99 | +6.0% |
| AMZN | Amazon | Diversified Retail | £1,727 | 1.6% | £190 | +12.4% |
| LLY | Eli Lilly | Pharmaceuticals | £1,700 | 1.5% | £122 | +7.7% |
| INFR | Global Infrastructure ETF | ETF | £1,666 | 1.5% | £98 | +6.3% |
| XOM | Exxon Mobil | Oil & Gas | £1,623 | 1.5% | £509 | +45.7% |
| META | Meta Platforms | Software & IT Services | £1,613 | 1.4% | £127 | +8.5% |
| WLDS | Small Cap ETF | ETF | £1,605 | 1.4% | -£14 | -0.9% |
| Ticker | Name | Sector | Pie | Value | P/L | Return |
|---|---|---|---|---|---|---|
| MSFT | Microsoft | Software & IT Services | Investments | £1,385 | -£299 | -17.7% |
| JPM | JP Morgan | Banking Services | Diversification Stocks | £1,359 | -£84 | -5.8% |
| DIS | The Walt Disney Company | Media & Publishing | Investments | £1,111 | -£52 | -4.4% |
| PG | Procter & Gamble | Consumer Defensive | Diversification Stocks | £1,420 | -£54 | -3.7% |
| ATRL | AtkinsRealis Group | Construction & Engineering | Diversification Stocks | £767 | -£27 | -3.4% |
| BRK.B | Berkshire Hathaway | Banking Services | Diversification Stocks | £982 | -£34 | -3.3% |
| AAPL | Apple | Computers & Phones | Investments | £1,574 | -£35 | -2.2% |
| VEUA | Developed Europe ETF | ETF | ETF | £5,484 | -£55 | -1.0% |
| WLDS | Small Cap ETF | ETF | Diversification ETF | £1,605 | -£14 | -0.9% |
| VAGU | Global Aggregate Bond ETF | ETF | Diversification ETF | £2,353 | -£8 | -0.3% |