Ok guys trust asking for thoughts and any advice on my portfolio these are my current holdings I know I’m probably too high on the DL but enjoy the dividends.
Ishares S&P 500 - 54.2%
Ishares Uk high dividend -3.6%
Direct line -42.2%
I’m working on bringing up the uk dividend etf to balance things out thoughts on this please thanks .
Each to their own. If you’ve done the research, and you’re happy with your choice, then what you’ve chosen is right for you.
All the best. 
Thank you for the reply yes , my daughter works for them and I get to know a few things and also like them as a business that’s the only risky one I’ll have the rest will be ETF , see how I get on with it all
I would be uncomfortable with having 40% in any one company. It’s a big risk: if that business or the wider insurance sector takes a hit, the dividend could be suspended and you may also face a sizeable capital loss.
RE:DLG, The industry has immense headwinds with inflation. They are exposed through Motor, Home and Travel products… Although they may be better placed than their rivals to manage it I find it hard to see much upside. The dividend is large but could be at risk because the dividend cover is getting close to 1 which could mean a cut if profits don’t increase. I have some shares but a relatively low % of my portfolio
Yeah as we speak I’m just shy of 1k down on the shares with them , I’m kind of planning to use there dividends to bulk up my ETFs but know it’s a bit of a risk , if the share price picks up I may sell it down a bit and put into the uk dividend fund
Why are you looking at a UK dividend ETF in particular? When I was thinking my plans through I mostly went with all-world options so that a downturn in one region wouldn’t pull my entire portfolio down.
I was tempted by the vanguard all world , but just fancied having S&P 500 for US coverage and growth. The Uk one covering here with a decent dividend payment from 50 good business & it pays quarterly too.
Sometimes I thought about 80-90% S&P and 10-20 in finance