Tactical Overview
Portfolio Value
£109,872
Cash invested: £85,952
+£138 vs yesterday (+0.13%)
True Return on Cash
£23,920
+27.83% on actual money in
Total in the Red
-£412
26 positions underwater
+£636 vs yesterday
Win / Loss · Holdings
29 / 20
59% win rate across 49 positions
Currency Exposure
Pound£59,218 53.9%
Dollar£49,890 45.4%
CAN Dollar£750 0.7%
Euro£14 0.0%
Account Comparison
| ISA | Standard | EL ISA | |
|---|---|---|---|
| Value | £89,626 | £0 | £20,245 |
| Invested | £71,174 | £0 | £19,991 |
| P/L | £18,453 | £0 | £254 |
| Return | +25.9% | +0.0% | +1.3% |
ETF Breakdown
Stock Sector Exposure (stocks only, ETFs & Potentials excluded)
Pie Allocation
Pie Returns
Rebalancing Actions
Diversification ETFON TRACK
Current: 13.9%Target: 15.0%Drift: -7.6%
Within target range (-7.6%). No action needed.
ETFON TRACK
Current: 41.7%Target: 44.5%Drift: -6.3%
Within target range (-6.3%). No action needed.
Diversification StocksON TRACK
Current: 10.3%Target: 11.0%Drift: -6.0%
Within target range (-6.0%). No action needed.
Healthcare StocksON TRACK
Current: 2.9%Target: 3.0%Drift: -4.0%
Within target range (-4.0%). No action needed.
Healthcare ETFON TRACK
Current: 6.0%Target: 6.0%Drift: +0.3%
Within target range (+0.3%). No action needed.
InvestmentsMONITOR
Current: 11.0%Target: 10.0%Drift: +10.2%
Slightly overweight (+10.2%). Watch but no action needed yet.
PotentialsMONITOR
Current: 0.6%Target: 0.5%Drift: +16.2%
Slightly overweight (+16.2%). Watch but no action needed yet.
Single InvestmentTRIM
Current: 13.6%Target: 10.0%Drift: +35.9%
Overweight by +35.9%. Consider trimming or pausing new contributions to this pie.
Pie Distribution vs Targets
| Pie | Value | Target % | Current % | Return | P/L | Relative Drift |
|---|---|---|---|---|---|---|
| ETF | £45,817 | 44.5% | 41.7% | +16.6% | £6,508 | -6.3% |
| Diversification ETF | £15,232 | 15.0% | 13.9% | +4.6% | £675 | -7.6% |
| Single Investment | £14,935 | 10.0% | 13.6% | +84.3% | £6,832 | +35.9% |
| Investments | £12,111 | 10.0% | 11.0% | +16.5% | £1,715 | +10.2% |
| Diversification Stocks | £11,360 | 11.0% | 10.3% | +22.4% | £2,081 | -6.0% |
| Healthcare ETF | £6,612 | 6.0% | 6.0% | +6.2% | £384 | +0.3% |
| Healthcare Stocks | £3,166 | 3.0% | 2.9% | +22.6% | £583 | -4.0% |
| Potentials | £639 | 0.5% | 0.6% | -10.2% | -£72 | +16.2% |
Dividend Income
Trailing 12-Month Income
£233.52
≈ £19.46/month average
2026 Income To Date
£92.92
116 payments received all time
Portfolio Yield
0.21%
Based on trailing 12m ÷ portfolio value
Annualised Run Rate
£233.52
Trailing 12m annualised
Annual Dividend Growth
| Ticker | Name | Total Received | Share of Income |
|---|---|---|---|
| O | Realty Income | £46.22 | 20% |
| MET | MetLife | £34.26 | 15% |
| VHYL | Vanguard FTSE All-World High Dividend Yield (Dist) | £27.12 | 12% |
| MRK | Merck & Co | £20.21 | 9% |
| XOM | Exxon Mobil | £15.24 | 7% |
| DIS | Walt Disney | £14.92 | 6% |
| CAT | Caterpillar | £14.90 | 6% |
| PG | Procter & Gamble | £13.39 | 6% |
| NEE | NextEra Energy | £12.66 | 5% |
| MSFT | Microsoft | £10.85 | 5% |
Portfolio Commentary
🛡️ Risk LevelModerate
ETF core is 62% of the portfolio — well-diversified foundation with selective stock exposure.
⚡ NVDA13.6% of portfolio
NVDA slightly above 10% target at £14,935. Monitoring recommended.
📈 OverweightSingle Investment
Single Investment is +35.9% 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+£14,782
Across 19 screened stocks, analysts see £14,782 additional upside (48.7% from current prices) if targets are met.
🏆 Win Rate59%
29 holdings in profit, 20 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. | Passed |
| 1 Jun 2026 | Q1 Commission | Planned £10,000 lump sum into ISA from Q1 commission. Deploy per rebalancing plan. | 55d away |
| 1 Sep 2026 | Q2 Commission | First £1,500 quarterly top-up into ISA (3 months after June commission). | 147d away |
| 1 Dec 2026 | Q3 Commission | Planned £1,500 quarterly top-up into ISA. | 238d away |
| 5 Apr 2027 | ISA Year End 2027 | Next annual ISA allowance reset. Bed-and-ISA remaining Standard positions. | 363d away |
Contribution History
Total Deposited
£112,928
Since 18 Nov 2023
Years Investing
2.4
Portfolio growth: £23,920 (+27.8%)
Avg Annual Contribution
£47,053
Across all years
Growth on Contributions
-£3,057
Market returns on top of deposits
Annual Contributions by Account
Portfolio Growth Projection
| Scenario | 5 Years | 10 Years | 15 Years |
|---|---|---|---|
| Conservative (8% p.a.) | £229,155 | £396,758 | £646,460 |
| Moderate (10% p.a.) | £250,253 | £470,144 | £831,931 |
| Optimistic (12% p.a.) | £273,404 | £558,351 | £1,076,014 |
Assumes £250/month regular + one-off £10k (June 2026), then £1,500/quarter from Sep 2026 onwards.
Starting from £109,872 current value. Not financial advice.
Projection Chart
Portfolio Value Over Time
Since Inception (2023-12-08)
+£106,426
+3089.2% total growth
1-Day Change
+£138
+0.13%
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% | -£158 | £1,257 | 53 | STRONG_BUY |
| META | Meta Platforms | £411.30 | £647.96 | +57.5% | £219 | £1,137 | 60 | STRONG_BUY |
| NVDA | Nvidia | £128.63 | £201.48 | +56.6% | £6,832 | £8,459 | 56 | STRONG_BUY |
| DIS | The Walt Disney Company | £71.17 | £97.12 | +36.5% | -£21 | £415 | 28 | BUY |
| AMZN | Amazon | £155.90 | £210.93 | +35.3% | £238 | £625 | 63 | STRONG_BUY |
| LLY | Eli Lilly | £673.81 | £908.43 | +34.8% | £185 | £566 | 29 | BUY |
| GOOGL | Alphabet | £211.02 | £283.01 | +34.1% | £1,192 | £874 | 56 | STRONG_BUY |
| ATRL | AtkinsRealis Group | £88.95 | £117.60 | +32.2% | -£44 | £242 | 15 | BUY |
| PG | Procter & Gamble | £106.98 | £126.20 | +18.0% | -£67 | £234 | 22 | BUY |
| JPM | JP Morgan | £219.09 | £256.28 | +17.0% | -£19 | £95 | 24 | BUY |
| AAPL | Apple | £189.97 | £221.83 | +16.8% | £64 | £184 | 41 | BUY |
| TSLA | Tesla | £279.52 | £316.45 | +13.2% | £180 | £200 | 41 | BUY |
| O | Realty Income | £45.27 | £50.97 | +12.6% | £57 | £89 | 20 | HOLD |
| BRK.B | Berkshire Hathaway | £357.01 | £392.87 | +10.0% | -£27 | £151 | 3 | BUY |
| MRK | Merck & Co | £89.34 | £96.18 | +7.7% | £398 | £118 | 27 | BUY |
| LMT | Lockheed Martin | £471.24 | £498.98 | +5.9% | £115 | £56 | 19 | HOLD |
| CAT | Caterpillar | £528.22 | £553.03 | +4.7% | £1,445 | £157 | 26 | BUY |
| NEE | NextEra Energy | £68.48 | £70.87 | +3.5% | £132 | £24 | 22 | BUY |
| XOM | Exxon Mobil | £124.27 | £116.28 | -6.4% | £488 | -£100 | 24 | BUY |
| Total (19 stocks) Source: Yahoo Finance (fetched 2026-03-27) | +£14,782 | |||||||
Top 20 Holdings
| Ticker | Name | Sector | Value | Weight | P/L | Return |
|---|---|---|---|---|---|---|
| VWRP | Allworld ETF | ETF | £29,705 | 27.0% | £4,926 | +19.9% |
| NVDA | Nvidia | Semiconductors | £14,935 | 13.6% | £6,832 | +84.3% |
| VUAG | S&P 500 ETF | ETF | £10,466 | 9.5% | £1,474 | +16.4% |
| VEUA | Developed Europe ETF | ETF | £5,646 | 5.1% | £108 | +1.9% |
| IUHC | S&P 500 Healthcare ETF | ETF | £4,203 | 3.8% | £244 | +6.2% |
| CAT | Caterpillar | Machinery & Components | £3,349 | 3.0% | £1,445 | +75.9% |
| VFEG | Emerging Markets ETF | ETF | £3,265 | 3.0% | £190 | +6.2% |
| VHYL | Allworld Dividend ETF | ETF | £3,176 | 2.9% | £157 | +5.2% |
| GOOGL | Alphabet | Software & IT Services | £2,562 | 2.3% | £1,192 | +87.1% |
| IUSU | S&P 500 Utilities ETF | ETF | £2,535 | 2.3% | £85 | +3.5% |
| VAGU | Global Aggregate Bond ETF | ETF | £2,365 | 2.1% | £5 | +0.2% |
| MSFT | Microsoft | Software & IT Services | £2,055 | 1.9% | -£158 | -7.1% |
| META | Meta Platforms | Software & IT Services | £1,976 | 1.8% | £219 | +12.5% |
| AMZN | Amazon | Diversified Retail | £1,771 | 1.6% | £238 | +15.6% |
| WHCA | World Healthcare ETF | ETF | £1,767 | 1.6% | £116 | +7.0% |
| WLDS | Small Cap ETF | ETF | £1,642 | 1.5% | £22 | +1.4% |
| LLY | Eli Lilly | Pharmaceuticals | £1,626 | 1.5% | £185 | +12.8% |
| XOM | Exxon Mobil | Oil & Gas | £1,561 | 1.4% | £488 | +45.5% |
| MRK | Merck & Co | Pharmaceuticals | £1,540 | 1.4% | £398 | +34.9% |
| TSLA | Tesla | Automobiles & Auto Parts | £1,512 | 1.4% | £180 | +13.5% |
Bottom 10 Holdings (excluding Potentials pie)
| Ticker | Name | Sector | Pie | Value | P/L | Return |
|---|---|---|---|---|---|---|
| MSFT | Microsoft | Software & IT Services | Investments | £2,055 | -£158 | -7.1% |
| ATRL | AtkinsRealis Group | Construction & Engineering | Diversification Stocks | £750 | -£44 | -5.6% |
| PG | Procter & Gamble | Consumer Defensive | Diversification Stocks | £1,303 | -£67 | -4.9% |
| JPM | JP Morgan | Banking Services | Diversification Stocks | £558 | -£19 | -3.3% |
| DIS | The Walt Disney Company | Media & Publishing | Investments | £1,138 | -£21 | -1.8% |
| BRK.B | Berkshire Hathaway | Banking Services | Diversification Stocks | £1,508 | -£27 | -1.7% |
| VAGU | Global Aggregate Bond ETF | ETF | Diversification ETF | £2,365 | £5 | +0.2% |
| WLDS | Small Cap ETF | ETF | Diversification ETF | £1,642 | £22 | +1.4% |
| VEUA | Developed Europe ETF | ETF | ETF | £5,646 | £108 | +1.9% |
| IUSU | S&P 500 Utilities ETF | ETF | Diversification ETF | £2,535 | £85 | +3.5% |