Map out how you want your money split across asset classes and regions. This doesn't have to be perfect — it just needs to be intentional. A written plan beats a gut feeling every time.
Your allocation is a target, not a law. It will drift as markets move — that's normal. What matters is that you have a starting point you can measure against and rebalance back to.
Step 01
Your Starting Context
Step 02
Where Will You Hold It?
Select your primary wrapper. Most UK beginners fill their ISA first.
ISA
Stocks & Shares ISA
Up to £20,000/year. No UK tax on gains or income. Most flexible — withdraw any time.
✓ Selected
SIPP
Self-Invested Personal Pension
Tax relief on contributions. Can't access until 57. Best for retirement-focused investing.
✓ Selected
Both
ISA + SIPP
Split between flexibility (ISA) and tax efficiency (SIPP). Common strategy for longer timelines.
✓ Selected
Step 03
Target Allocation
Add each holding with its target percentage. The total should add up to 100%. The pie chart updates as you type.
Holding / Fund
%
Total
0%
Allocation preview
Step 04
Why This Allocation?
Enter your email and we'll send you a copy of your portfolio plan to keep.