| ISA | Standard | EL ISA | |
|---|---|---|---|
| Value | £84,905 | £6,465 | £19,846 |
| Invested | £67,731 | £6,673 | £19,991 |
| P/L | £17,174 | -£208 | -£146 |
| Return | +25.4% | -3.1% | -0.7% |
Within target range (-8.7%). No action needed.
Within target range (-2.4%). No action needed.
Within target range (+0.6%). No action needed.
Within target range (+2.7%). No action needed.
Within target range (+2.9%). No action needed.
Within target range (+3.6%). No action needed.
Slightly overweight (+15.6%). Watch but no action needed yet.
Overweight by +31.1%. Consider trimming or pausing new contributions to this pie.
| Pie | Value | Target % | Current % | Return | P/L | Relative Drift |
|---|---|---|---|---|---|---|
| ETF | £45,176 | 44.5% | 40.6% | +14.9% | £5,867 | -8.7% |
| Diversification ETF | £16,778 | 15.0% | 15.1% | +2.6% | £420 | +0.6% |
| Single Investment | £14,584 | 10.0% | 13.1% | +80.0% | £6,481 | +31.1% |
| Diversification Stocks | £12,563 | 11.0% | 11.3% | +19.3% | £2,033 | +2.7% |
| Investments | £11,524 | 10.0% | 10.4% | +12.9% | £1,316 | +3.6% |
| Healthcare ETF | £6,514 | 6.0% | 5.9% | +4.6% | £286 | -2.4% |
| Healthcare Stocks | £3,434 | 3.0% | 3.1% | +16.4% | £484 | +2.9% |
| Potentials | £643 | 0.5% | 0.6% | -9.5% | -£68 | +15.6% |
| 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 £14,584. Monitoring recommended.
Single Investment is +31.1% above target. Consider pausing new contributions here.
Analysts see 55.2% upside in Microsoft to a target of £443.78.
Across 19 screened stocks, analysts see £13,114 additional upside (41.3% from current prices) if targets are met.
22 holdings in profit, 27 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. | 11d away |
| 1 Jun 2026 | 💰 Q1 Commission | Planned £10,000 lump sum into ISA from Q1 commission. Deploy per rebalancing plan. | 68d away |
| 1 Sep 2026 | 💰 Q2 Commission | First £1,500 quarterly top-up into ISA (3 months after June commission). | 160d away |
| 1 Dec 2026 | 💰 Q3 Commission | Planned £1,500 quarterly top-up into ISA. | 251d away |
| 5 Apr 2027 | 🗓️ ISA Year End 2027 | Next annual ISA allowance reset. Bed-and-ISA remaining Standard positions. | 376d away |
| Scenario | 5 Years | 10 Years | 15 Years |
|---|---|---|---|
| Conservative (8% p.a.) | £231,157 | £399,740 | £650,904 |
| Moderate (10% p.a.) | £252,464 | £473,781 | £837,915 |
| Optimistic (12% p.a.) | £275,845 | £562,786 | £1,084,070 |
| Ticker | Company | Current Price | Analyst Target | Upside % | Current P/L | Upside to Target | Analysts | Rating |
|---|---|---|---|---|---|---|---|---|
| MSFT | Microsoft | £285.84 | £443.78 | +55.2% | -£285 | £773 | 53 | STRONG_BUY |
| NVDA | Nvidia | £131.08 | £201.19 | +53.5% | £6,481 | £7,801 | 54 | STRONG_BUY |
| META | Meta Platforms | £450.82 | £644.54 | +43.0% | £241 | £742 | 60 | STRONG_BUY |
| AMZN | Amazon | £156.83 | £209.32 | +33.5% | £162 | £569 | 62 | STRONG_BUY |
| LLY | Eli Lilly | £679.56 | £902.56 | +32.8% | £110 | £554 | 29 | BUY |
| DIS | The Walt Disney Company | £73.10 | £96.58 | +32.1% | -£32 | £363 | 28 | BUY |
| ATRL | AtkinsRealis Group | £92.08 | £118.27 | +28.4% | -£9 | £223 | 15 | BUY |
| GOOGL | Alphabet | £225.43 | £281.18 | +24.7% | £1,073 | £604 | 56 | STRONG_BUY |
| JPM | JP Morgan | £216.37 | £255.86 | +18.2% | -£85 | £248 | 23 | BUY |
| AAPL | Apple | £187.69 | £220.49 | +17.5% | -£58 | £271 | 41 | BUY |
| PG | Procter & Gamble | £107.46 | £125.38 | +16.7% | -£50 | £237 | 22 | BUY |
| O | Realty Income | £45.41 | £50.64 | +11.5% | £41 | £84 | 20 | HOLD |
| MRK | Merck & Co | £86.33 | £95.56 | +10.7% | £374 | £186 | 27 | BUY |
| TSLA | Tesla | £284.24 | £314.40 | +10.6% | £215 | £167 | 41 | BUY |
| BRK.B | Berkshire Hathaway | £358.22 | £390.33 | +9.0% | -£24 | £89 | 3 | BUY |
| LMT | Lockheed Martin | £459.92 | £494.97 | +7.6% | £85 | £70 | 19 | HOLD |
| CAT | Caterpillar | £523.69 | £549.45 | +4.9% | £1,380 | £162 | 26 | BUY |
| NEE | NextEra Energy | £67.34 | £70.13 | +4.1% | £182 | £60 | 22 | BUY |
| XOM | Exxon Mobil | £120.25 | £113.72 | -5.4% | £513 | -£88 | 24 | BUY |
| Total (19 stocks) Source: Yahoo Finance (fetched 2026-03-24) | +£13,114 | |||||||
| Ticker | Name | Sector | Value | Weight | P/L | Return |
|---|---|---|---|---|---|---|
| VWRP | Allworld ETF | ETF | £29,317 | 26.4% | £4,539 | +18.3% |
| NVDA | Nvidia | Semiconductors | £14,584 | 13.1% | £6,481 | +80.0% |
| VUAG | S&P 500 ETF | ETF | £10,384 | 9.3% | £1,392 | +15.5% |
| VEUA | Developed Europe ETF | ETF | £5,475 | 4.9% | -£64 | -1.1% |
| IUHC | S&P 500 Healthcare ETF | ETF | £4,157 | 3.7% | £198 | +5.0% |
| CAT | Caterpillar | Machinery & Components | £3,284 | 3.0% | £1,380 | +72.5% |
| VFEG | Emerging Markets ETF | ETF | £3,212 | 2.9% | £137 | +4.5% |
| VHYL | Allworld Dividend ETF | ETF | £3,104 | 2.8% | £85 | +2.8% |
| IUSU | S&P 500 Utilities ETF | ETF | £2,461 | 2.2% | £11 | +0.5% |
| GOOGL | Alphabet | Software & IT Services | £2,442 | 2.2% | £1,073 | +78.3% |
| IGLN | Gold ETF | ETF | £2,372 | 2.1% | £107 | +4.7% |
| VAGU | Global Aggregate Bond ETF | ETF | £2,355 | 2.1% | -£5 | -0.2% |
| MRK | Merck & Co | Pharmaceuticals | £1,745 | 1.6% | £374 | +27.3% |
| META | Meta Platforms | Software & IT Services | £1,727 | 1.6% | £241 | +16.2% |
| WHCA | World Healthcare ETF | ETF | £1,726 | 1.6% | £75 | +4.5% |
| AMZN | Amazon | Diversified Retail | £1,699 | 1.5% | £162 | +10.6% |
| LLY | Eli Lilly | Pharmaceuticals | £1,688 | 1.5% | £110 | +7.0% |
| INFR | Global Infrastructure ETF | ETF | £1,668 | 1.5% | £101 | +6.4% |
| XOM | Exxon Mobil | Oil & Gas | £1,627 | 1.5% | £513 | +46.1% |
| WLDS | Small Cap ETF | ETF | £1,604 | 1.4% | -£16 | -1.0% |
| Ticker | Name | Sector | Pie | Value | P/L | Return |
|---|---|---|---|---|---|---|
| MSFT | Microsoft | Software & IT Services | Investments | £1,398 | -£285 | -16.9% |
| JPM | JP Morgan | Banking Services | Diversification Stocks | £1,358 | -£85 | -5.9% |
| AAPL | Apple | Computers & Phones | Investments | £1,552 | -£58 | -3.6% |
| PG | Procter & Gamble | Consumer Defensive | Diversification Stocks | £1,424 | -£50 | -3.4% |
| DIS | The Walt Disney Company | Media & Publishing | Investments | £1,131 | -£32 | -2.7% |
| BRK.B | Berkshire Hathaway | Consumer Goods | Diversification Stocks | £993 | -£24 | -2.3% |
| VEUA | Developed Europe ETF | ETF | ETF | £5,475 | -£64 | -1.1% |
| ATRL | AtkinsRealis Group | Construction & Engineering | Diversification Stocks | £785 | -£9 | -1.1% |
| WLDS | Small Cap ETF | ETF | Diversification ETF | £1,604 | -£16 | -1.0% |
| VAGU | Global Aggregate Bond ETF | ETF | Diversification ETF | £2,355 | -£5 | -0.2% |