Just dropped a new video laying out the exact portfolio I’d build today if I was starting from scratch as a UK investor.
Watch here → YouTube → “The Beginner Portfolio I Would Build For 2026 (UK Edition)”
If you’ve seen it, this is the place to pull it apart. If you haven’t, the breakdown’s below — read it, then go watch for the full thing.
I’ll be in this thread every day. Bring questions, bring disagreements, bring what you already own.
The 4 layers:
The Wrapper — Stocks & Shares ISA. £20k a year, all gains tax-free. Pick the ISA toggle, not the GIA. Easiest win in UK investing.
The Core (80%) — Two global ETFs, 40% each.
------ FWRG (Invesco FTSE All-World) — ~3,500 of the biggest companies in the world
------ An S&P 500 tracker — the 500 biggest US companies
If the US has a rough year, All-World picks up the slack. If global lags, the S&P carries it. Hedged against itself.
The Satellite (20%) — the fun bit.
------- 10% — VanEck Crypto and Blockchain Innovators ETF. Can’t hold Bitcoin (directly) in an ISA, but you can hold the companies building the rails (Coinbase, Circle, etc.)
------- 10% — 5-ish individual stocks you actually understand. Nvidia if you work in tech, Whitbread if you live on Costa, Nike if you wear it. ~2% each.
If gold hadn’t already had a huge run I’d put some here instead. Bonds work too if you want safer.
Rule: if the whole satellite went to zero, the rest of your portfolio should still be fine. If not, it’s too big.
The Rainy Day — 2–3 months of expenses in cash, before any of the above. Cash ISA or Premium Bonds. So you don’t have to panic-sell an ETF the day your boiler dies.
Three questions
What would you change — and why?
What’s in your satellite 20%? Drop the ticker and one line on why.
Not started yet? What’s actually stopping you?
I’ll reply to everyone.
Capital at risk. Past performance isn’t a guide to future returns. Not financial advice — just what I’d build today.
