Tactical Overview
Portfolio Value
£115,388
Cash invested: £85,952
-£2,903 vs yesterday (-2.45%)
True Return on Cash
£29,435
+34.25% on actual money in
Total in the Red
-£257
19 positions underwater
-£41 vs yesterday
Win / Loss · Holdings
35 / 14
71% win rate across 49 positions
Currency Exposure
Pound£62,101 53.8%
Dollar£52,442 45.4%
CAN Dollar£830 0.7%
Euro£14 0.0%
Account Comparison
| ISA | Standard | EL ISA | |
|---|---|---|---|
| Value | £94,721 | £0 | £20,667 |
| Invested | £71,690 | £0 | £19,991 |
| P/L | £23,031 | £0 | £675 |
| Return | +32.1% | +0.0% | +3.4% |
ETF Breakdown
Stock Sector Exposure (stocks only, ETFs & Potentials excluded)
Pie Allocation
Pie Returns
Rebalancing Actions
ETFON TRACK
Current: 41.5%Target: 44.5%Drift: -6.8%
Within target range (-6.8%). No action needed.
Diversification ETFON TRACK
Current: 14.3%Target: 15.0%Drift: -4.4%
Within target range (-4.4%). No action needed.
Diversification StocksON TRACK
Current: 10.7%Target: 11.0%Drift: -2.7%
Within target range (-2.7%). No action needed.
Healthcare ETFON TRACK
Current: 5.9%Target: 6.0%Drift: -1.1%
Within target range (-1.1%). No action needed.
Healthcare StocksON TRACK
Current: 3.1%Target: 3.0%Drift: +3.8%
Within target range (+3.8%). No action needed.
InvestmentsON TRACK
Current: 10.8%Target: 10.0%Drift: +7.7%
Within target range (+7.7%). No action needed.
PotentialsMONITOR
Current: 0.6%Target: 0.5%Drift: +13.8%
Slightly overweight (+13.8%). Watch but no action needed yet.
Single InvestmentTRIM
Current: 13.1%Target: 10.0%Drift: +31.1%
Overweight by +31.1%. Consider trimming or pausing new contributions to this pie.
Pie Distribution vs Targets
| Pie | Value | Target % | Current % | Return | P/L | Relative Drift |
|---|---|---|---|---|---|---|
| ETF | £47,846 | 44.5% | 41.5% | +21.1% | £8,350 | -6.8% |
| Diversification ETF | £16,543 | 15.0% | 14.3% | +12.5% | £1,833 | -4.4% |
| Single Investment | £15,126 | 10.0% | 13.1% | +86.7% | £7,023 | +31.1% |
| Investments | £12,422 | 10.0% | 10.8% | +19.3% | £2,009 | +7.7% |
| Diversification Stocks | £12,352 | 11.0% | 10.7% | +31.1% | £2,930 | -2.7% |
| Healthcare ETF | £6,850 | 6.0% | 5.9% | +9.7% | £606 | -1.1% |
| Healthcare Stocks | £3,593 | 3.0% | 3.1% | +39.1% | £1,010 | +3.8% |
| Potentials | £656 | 0.5% | 0.6% | -7.7% | -£54 | +13.8% |
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
0.20%
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.
⚡ NVDA13.1% of portfolio
NVDA slightly above 10% target at £15,126. Monitoring recommended.
📈 OverweightSingle Investment
Single Investment is +31.1% above target. Consider pausing new contributions here.
📈 Top Analyst UpsideMSFT +56.9%
Analysts see 56.9% upside in Microsoft to a target of £438.05.
🎯 Screened Stocks Upside+£12,267
Across 19 screened stocks, analysts see £12,267 additional upside (40.2% from current prices) if targets are met.
🏆 Win Rate71%
35 holdings in profit, 14 in the red across 49 positions.
Contribution History
Total Deposited
£112,928
Since 18 Nov 2023
Years Investing
2.4
Portfolio growth: £29,435 (+34.2%)
Avg Annual Contribution
£47,053
Across all years
Growth on Contributions
£2,459
Market returns on top of deposits
Annual Contributions by Account
Portfolio Growth Projection
| Scenario | 5 Years | 10 Years | 15 Years |
|---|---|---|---|
| Conservative (8% p.a.) | £237,373 | £409,002 | £664,701 |
| Moderate (10% p.a.) | £259,329 | £485,075 | £856,498 |
| Optimistic (12% p.a.) | £283,425 | £576,556 | £1,109,087 |
Assumes £250/month regular + one-off £10k (June 2026), then £1,500/quarter from Sep 2026 onwards.
Starting from £115,388 current value. Not financial advice.
Projection Chart
Portfolio Value Over Time
Since Inception (2023-12-08)
+£111,942
+3249.3% total growth
1-Day Change
£2,903
-2.45%
All-Time Peak
£118,290
2026-04-09
Starting Value
£3,445
2023-12-08
Total Portfolio Value
Portfolio vs Savings
Benchmark: 4.5% p.a. easy-access savings · vs actual portfolio value
Analyst Upside Tracker
| Ticker | Company | Current Price | Analyst Target | Upside % | Current P/L | Upside to Target | Analysts | Rating |
|---|---|---|---|---|---|---|---|---|
| MSFT | Microsoft | £279.19 | £438.05 | +56.9% | -£165 | £1,165 | 54 | STRONG_BUY |
| NVDA | Nvidia | £135.80 | £200.05 | +47.3% | £7,023 | £7,156 | 56 | STRONG_BUY |
| META | Meta Platforms | £456.77 | £641.61 | +40.5% | £378 | £864 | 60 | STRONG_BUY |
| ATRL | AtkinsRealis Group | £89.99 | £117.27 | +30.3% | £36 | £252 | 15 | BUY |
| DIS | The Walt Disney Company | £73.97 | £96.02 | +29.8% | £3 | £346 | 29 | BUY |
| AMZN | Amazon | £165.02 | £209.79 | +27.1% | £325 | £504 | 64 | STRONG_BUY |
| LLY | Eli Lilly | £711.01 | £901.88 | +26.8% | £348 | £480 | 29 | BUY |
| TSLA | Tesla | £256.01 | £310.38 | +21.2% | £144 | £313 | 41 | BUY |
| GOOGL | Alphabet | £236.67 | £280.65 | +18.6% | £1,228 | £483 | 56 | STRONG_BUY |
| PG | Procter & Gamble | £108.07 | £124.39 | +15.1% | £49 | £214 | 22 | BUY |
| AAPL | Apple | £193.10 | £220.26 | +14.1% | £97 | £162 | 40 | BUY |
| JPM | JP Morgan | £229.70 | £251.38 | +9.4% | £290 | £82 | 24 | BUY |
| BRK.B | Berkshire Hathaway | £357.82 | £390.08 | +9.0% | -£24 | £136 | 3 | BUY |
| O | Realty Income | £46.83 | £50.57 | +8.0% | £62 | £57 | 20 | HOLD |
| LMT | Lockheed Martin | £468.76 | £496.47 | +5.9% | £162 | £59 | 20 | HOLD |
| MRK | Merck & Co | £91.87 | £96.19 | +4.7% | £662 | £85 | 27 | BUY |
| XOM | Exxon Mobil | £116.52 | £119.55 | +2.6% | £428 | £39 | 24 | BUY |
| NEE | NextEra Energy | £70.24 | £70.70 | +0.7% | £262 | £6 | 22 | BUY |
| CAT | Caterpillar | £575.48 | £553.55 | -3.8% | £1,664 | -£136 | 26 | BUY |
| Total (19 stocks) Source: Yahoo Finance (fetched 2026-04-09) | +£12,267 | |||||||
Top 20 Holdings
| Ticker | Name | Sector | Value | Weight | P/L | Return |
|---|---|---|---|---|---|---|
| VWRP | Allworld ETF | ETF | £31,057 | 26.9% | £6,091 | +24.4% |
| NVDA | Nvidia | Semiconductors | £15,126 | 13.1% | £7,023 | +86.7% |
| VUAG | S&P 500 ETF | ETF | £10,662 | 9.2% | £1,671 | +18.6% |
| VEUA | Developed Europe ETF | ETF | £6,126 | 5.3% | £587 | +10.6% |
| IUHC | S&P 500 Healthcare ETF | ETF | £4,393 | 3.8% | £434 | +11.0% |
| CAT | Caterpillar | Machinery & Components | £3,568 | 3.1% | £1,664 | +87.4% |
| VFEG | Emerging Markets ETF | ETF | £3,364 | 2.9% | £290 | +9.4% |
| VHYL | Allworld Dividend ETF | ETF | £3,256 | 2.8% | £237 | +7.8% |
| IUSU | S&P 500 Utilities ETF | ETF | £2,826 | 2.5% | £376 | +15.3% |
| GOOGL | Alphabet | Software & IT Services | £2,597 | 2.2% | £1,228 | +89.7% |
| VAGU | Global Aggregate Bond ETF | ETF | £2,395 | 2.1% | £35 | +1.5% |
| META | Meta Platforms | Software & IT Services | £2,134 | 1.9% | £378 | +21.5% |
| MSFT | Microsoft | Software & IT Services | £2,048 | 1.8% | -£165 | -7.5% |
| AMZN | Amazon | Diversified Retail | £1,857 | 1.6% | £325 | +21.2% |
| IGLN | Gold ETF | ETF | £1,845 | 1.6% | £593 | +47.4% |
| MRK | Merck & Co | Pharmaceuticals | £1,804 | 1.6% | £662 | +58.0% |
| LLY | Eli Lilly | Pharmaceuticals | £1,789 | 1.6% | £348 | +24.1% |
| WHCA | World Healthcare ETF | ETF | £1,785 | 1.6% | £134 | +8.1% |
| WLDS | Small Cap ETF | ETF | £1,673 | 1.4% | £54 | +3.3% |
| BRK.B | Berkshire Hathaway | Banking Services | £1,511 | 1.3% | -£24 | -1.6% |
Bottom 10 Holdings (excluding Potentials pie)
| Ticker | Name | Sector | Pie | Value | P/L | Return |
|---|---|---|---|---|---|---|
| MSFT | Microsoft | Software & IT Services | Investments | £2,048 | -£165 | -7.5% |
| BRK.B | Berkshire Hathaway | Banking Services | Diversification Stocks | £1,511 | -£24 | -1.6% |
| DIS | The Walt Disney Company | Media & Publishing | Investments | £1,162 | £3 | +0.3% |
| VAGU | Global Aggregate Bond ETF | ETF | Diversification ETF | £2,395 | £35 | +1.5% |
| WLDS | Small Cap ETF | ETF | Diversification ETF | £1,673 | £54 | +3.3% |
| PG | Procter & Gamble | Consumer Defensive | Diversification Stocks | £1,419 | £49 | +3.6% |
| ATRL | AtkinsRealis Group | Construction & Engineering | Diversification Stocks | £830 | £36 | +4.5% |
| HEAL | Healthcare Innovation ETF | ETF | Healthcare ETF | £672 | £38 | +6.0% |
| VHYL | Allworld Dividend ETF | ETF | Diversification ETF | £3,256 | £237 | +7.8% |
| WHCA | World Healthcare ETF | ETF | Healthcare ETF | £1,785 | £134 | +8.1% |