You are trying to build your portfolio all at once when really it takes 5-10 years. Buy slow.
You are also trying to decide on one strategy all at once and then never deviate by the sounds of things. That effectively means you are trying to pick the ONE thing youāll do for twenty years, all at once. If thatās the case, start with one etf & one trust for a year or so. Or three stocks. Simplify your starting point. You can always add a new stock in 2022/24 and so on.
Also, anxiety is crippling especially on financial decisions. Keep it SIMPLE and let it get more in depth later down the line should you wish. You do not need to make every decision and choice right now.
Lastly, if you have a pension, you are already diversified there. If you have a savings account, you are already diversified there. If you have a property, you are diversified thereā¦ there is no rush to be so diversified straight away in shares, there are always better times to buy certain businesses, you do not need to instantly be diversified in one year of investing in the market.
Hope that helps.