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ETF toolkit / Portfolio builder

ETF portfolio builder: see the charges and make-up of a mix of funds

Choose funds from the site’s ETF catalogue, set the weights, and see how the weighted ongoing charge, the split between equity and bond funds, the regional split and the share with each provider change as the weights change. The figures are arithmetic on the weights entered and on providers’ published charges; the builder gives no ratings or risk estimates.

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Weighted chargeFrom providers’ published charges
Asset splitEquity, bond and other funds
Provider shareHow much sits with one provider
Drift checkCurrent weights against targets
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By · Reviewed

Research snapshot

Last reviewed
3 October 2026
Who this is for
UK investors who want to see how the charges and make-up of a mix of ETFs change as the weights change.
How to use it
Load one of the example mixes or add funds one at a time, set the weights, then read the figures. They describe the mix; they are not a view on what to hold.
Primary sources
Providers’ own product pages, for the funds marked as checked. Funds not yet checked count towards the weights but not towards the charge figures.

Data, methodology and scope

Load a starting point

One way to start is to load one of the example mixes, then change one holding at a time and watch how the figures below move.

Workspace, export and share

Save draft mixes on this device, export them as JSON, or generate a share link that reopens the exact allocation in the builder.

Portfolio builder

Open selected ETFs in compare

Benchmark compare

These cards set the current mix beside three of the site’s example mixes: one global equity fund on its own, a 60/40 mix of equity and bond funds, and an income-tilted mix. Each shows the difference in equity share and weighted ongoing charge.

Portfolio analytics

Printable portfolio report

Printing the page gives a record of the mix: the holdings and target weights, the weighted ongoing charge, the asset and regional split, and the points to check.

Report habit
Print after normalising to 100%, then write why each ETF is in the portfolio.
Not shown
Estimated risk or return figures, such as beta, Sharpe ratio or volatility, and ratings of funds.
Fund facts
The due diligence page shows each fund’s checked details, or links to the provider for a fund not yet checked.
Run due diligence Check overlap

Contribution, withdrawal and rebalance planning

Use these planning inputs to move from a static target mix into a more realistic workflow: how new money gets deployed, what a spending target implies, and where a live allocation has drifted too far from plan.

Scenario stress views

These what-if figures apply round-number falls to the equity and bond funds in the mix. They are not forecasts or a substitute for full risk modelling.

Points to check

How the figures are worked out, with an example

Every figure on this page is a weighted sum. The weights are the ones you enter, scaled to 100%; the fund facts are read from each provider’s own product page.

  • Weighted ongoing charge = the sum of (weight × ongoing charges figure) over the funds checked against the provider, divided by the share of the mix in those funds.
  • Asset, regional and provider split = each fund’s weight added to its asset class, to its provider and to its stated region. A global fund counts as “Global”: the builder does not look through to the countries a fund holds.
  • Annual fund charges = portfolio value × weighted ongoing charge. Platform fees, dealing costs and the spread are not included.
  • Contribution split = monthly contribution × 12 × each fund’s target weight. Withdrawal = portfolio value × the rate entered.
  • Drift = current weight − target weight, flagged once it reaches the threshold you set.
  • What-if falls = −20% × the equity share, −10% × the bond share, and both together.

Example: the “Cautious core” mix on £100,000

60% in Vanguard FTSE All-World UCITS ETF (VWRP, ongoing charge 0.14%) and 40% in iShares Core Global Aggregate Bond UCITS ETF GBP Hedged (AGBP, 0.10%), with the builder’s default £100,000 value, £500 a month, 4% withdrawal rate and 5-point rebalance threshold.

FigureWorkingResult
Weighted ongoing charge0.60 × 0.14% + 0.40 × 0.10%0.124% (shown as 0.12%)
Annual fund charges£100,000 × 0.124%£124
Equity / bond splitVWRP is equity, AGBP bonds60% / 40%
Region split (each fund’s stated region)VWRP is a global equity fund, AGBP a global bond fundGlobal equity 60%, global bonds 40%
Provider shareVanguard 60%, iShares 40%60% / 40%
Contributions£500 × 12 = £6,000 a year£3,600 VWRP, £2,400 AGBP
Withdrawal at 4%£100,000 × 4%£4,000 a year
Both falls at once−20% × 60% − 10% × 40%−16.0% (−£16,000)
Drift if VWRP is now 66%66% − 60% = +6 pointsBeyond the 5-point threshold

For context outside the builder: Vanguard showed the United States at 61.68% of VWRP at 31 August 2026, so about 37% of this mix (60% × 61.68%) is in US company shares. The £6,000 a year of contributions fits inside the £20,000 annual ISA allowance (GOV.UK, Individual Savings Accounts). The 20% and 10% falls are round numbers chosen to show how the split changes the result, not forecasts.

Sources, checked 3 October 2026: Vanguard, FTSE All-World UCITS ETF (USD) Accumulating (ongoing charges 0.14%; country split at 31 August 2026); iShares, Core Global Aggregate Bond UCITS ETF GBP Hedged (Dist) (0.10%). Charges can change; the provider’s page is the current record.

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