Is my portfolio horribliy inbalanced

[Nothernsoulfood]

I have been investing in a SS ISA since 2020. I have 30K in in along with 60K in cash savings. I am worried that my portfolio is horribly inbalanced and I am duplicating effort. I am happy with my returns since 2020 my average is just above 11 percent per year.

I want a bit in bonds and equity. The idea of the bonds is to de risk a bit. I want a bit of UK bias, but I think I am just out of kilter.

Currently I have

HSBC FTSE All-World Index Fund Accumulation C £11K
iShares 100 UK Equity Index Fund D Acc £9K
Vandguard Life Strategy ACC £11K

Would I be better of just bunging it all in a Vanguard life straetgy 80?

I save £300 a month as standard then often I top this up by around £700 if I have money left at the end of the month. 70 percent goes to HSBC (this has not always been the case as HSBC was started two years ago) and the rest is split with the other funds.

Im 43 and plan to retire at 58. I have a Civil Service Pension and AVC (£20k)

People say you should go for global funds, but I'm not sure. I tend to be in alternative investments more risky but higher rates. I also tend to stick with UK S&S but who knows really. Putting a reasonable amount in savings, in ISAs if possible is also good for short term savings. You could move some S&S to bonds, but maybe a bit early if you are thinking about safety for retirement.

Not a good time to do anything the way global markets are, sell at a low or hope for recovery?

If you are getting a return above 11%, you are doing great!

You are very biased towards UK- nearly 40% of your portfolio- and against US- which is also about 40% of your portfolio.

I like a bit of home bias too but this is fairly extreme. Lots of people are reducing US exposure which isn't crazy given how high big tech valuations are but again yours is quite an extreme version. For reference, a global fund reflecting market cap would be about 65-70% US and 4-5% UK.

VLS80 is fab if you want a fairly chunky (although less than you have) home bias, fees are reasonably low and the bond allocation seems sensible. Have a look at how much it's down compared to your current holdings to check that this isn't a bad time to switch.

Some people argue that if you live in the UK you are already exposed heavily to the UK economy given you have a house (and a job) in the UK.
However UK shares have done well lately and loads of people are feeling very uncomfortable having a large exposure to the US.
All accumulation which is good, all low cost which is good too.
This is how Gemini assessed your portfolio

HSBC FTSE All-World Index (£11K)

• This is your most diversified holding, tracking over 3,500 companies globally.
• It has heavy exposure to Technology (approx. 26.7%) and Financials.
• The fund has seen strong 1-year returns of approximately 32.26% as of early April 2026.

iShares 100 UK Equity Index (£9K)

• This fund tracks the FTSE 100, providing concentrated exposure to the UK's largest companies like HSBC Holdings, AstraZeneca, and Shell.
• It is currently your lowest-cost holding with an OCF of just 0.07%.
• Recent performance shows a price of 318.28p (8 April 2026), up from 304.83p at the end of March.

Vanguard LifeStrategy (£11K)

• Vanguard has recently begun reducing the "UK home bias" in these funds, phasing in changes from March to June 2026 to make them more globally aligned.
• If you hold the 80% Equity version, it currently has a Net Asset Value (NAV) of £362.48 (9 April 2026).
• The 100% Equity version is priced at £451.44 (8 April 2026).

Strategic Observations

• UK Concentration: You have a significant "tilt" towards the UK. Between the iShares fund (£9K) and the UK portion of LifeStrategy, your portfolio is more sensitive to the UK economy than a standard global tracker.
• Duplicate Exposure: There is substantial overlap between these funds. For example, HSBC Holdings PLC is a top holding in both the iShares UK fund and the HSBC All-World fund.
• Automatic Growth: Since all three are Accumulation units, your £31K is structured for long-term compound growth without the need for manual reinvestment of dividends.

Gemini offered a further question you might want answered.

Would you like a more detailed breakdown of the overlap between these three specific funds to see your total UK exposure?

Of course Gemini makes mistakes - as do MNetters - so double check what people (and AI) say.

I've mDe over 20 percent over last 2 years on my stocks and shares ISA. I am not an expert or qualified to give financial advice. I can tell you which shares I have in my s&s ISA. I have about 70 percent American tech so Alphabet, Microsoft, Tesla, Nvidia, Apple, ASML. Then I have a couple of banks Barclays and Lloyds, Standard Life and Legal and General for dividends. I have Astra Zenica, Rightmove and Rolls Royce. I have Samsung Electronics. I have some in Vanguard FTSE emerging markets. I have a few others with small amounts in. Since April 6th this year my £8k in this year's ISA has gone up over £400.

As others have said, you have a UK bias, but you’re in diversified equity funds. What sort of pension do you have? If it’s a DB type pension, that’s more akin to a bond itself; if DC, you may have more equity exposure there which you could investigate further?

The one simple trick for diversification, buying a simple low cost global tracker https://delphina.money/help/global-market-trackers

I am the same. My ISAs are up almost 30% in the last year or so that I've had them, and most of mine is AI/Tech based but I keep it spread out as much as possible and have other investments that haven't done as well. I am no expert but I tend to go with stocks/things I know plus follow pies and advice of successful traders on trading 212. The one time I put a few thousand in one stock, I lost it all, so I keep it very spread out now and I am hoping that particular stock bounces back one day.