I'm juggling a Vanguard ISA, Charles Stanley SIPP, and a Trading 212 GIA. By the time I pull all three statements, update my spreadsheet, and try to work things out, I've burned a Sunday afternoon.
Specifically, I'm struggling to get answers to basic questions:
Risk alignment — Is my 80/20 split still right for someone in their late 40s, or have I drifted without noticing?
Concentration — I can see individual holdings but I have no idea if I'm accidentally heavy in a single sector across all three accounts
Tax efficiency — I'm throwing money into my GIA but my ISA allowance is barely half-used. That's basic, and I'm still not tracking it properly
Fees — I'm vaguely aware I might be in expensive funds somewhere but I can't compare costs across accounts easily
Trends over time — If I asked my spreadsheet "has my portfolio gotten riskier over the last 6 months?", it would just stare back at me
I keep thinking there must be a better system. I've been sketching out a tool idea that surfaces personalised insights about your portfolio — risks you've missed, opportunities you're leaving on the table. But before I spend time building it, I want to know what actual people are doing.
What's everyone else doing? Spreadsheets holding up fine? Anyone found something that works? Or are we all just hoping for the best and checking balances once a quarter?.