Current portfolio shown below. Good luck in 2026!

I’m still keen on the comparatively new holding for me, #WISE, and have very much appreciated using their FX account in 2025.

Long term, since I first started investing in individual shares in 2009, the XIRR comes out at 10.7%. Over the last five years, XIRR is lower at 5.9 %.

Over December a small sale of Fundsmith helped pay for two limit-order top ups, #WISE and #BVXP, and regular top ups of #SMT and #FRIN. Over the year the major change was to swap #CFSIBA to #FRIN. Additionally, there were some small involuntary buys of #MICC and $SFGYY.

In 2025 ☀️☀️☀️were #GAW, #IGG and #HLMA (#GAW, being a major contributor over the past two years). 🐕🐕🐕 this year were #BVXP, #GRG and #DGE. I still like all these companies and will continue holding.

I switched from stocko about five years ago and I am happy to just use Sharescope now. As you say, give it a try and see what you think.

Over the past year #AJB and #ADBE swapped from being ☀️ to 🐕 (and vice versa) so I guess patience can help.

Second year in a row when my major holding, Fundsmith, underperformed the rest, hence the sale of a small portion of this.

Good luck everyone in 2025! My current holdings are shown below.

The major changes to the port. over the year were the removal of #TET and the addition of #WISE.

Three ☀️☀️☀️in 24 were #ESGB, #AJB and #GAW ($AAPL, being a major contributor to performance over the past two years). The three 🐕🐕🐕 #SPX, $ADBE and #BVXP.

Hi Pete and Henry

Thanks for all you do and Seasons greeings.

Here are my competition entries.

#BVXP
#GAW
#GRG
#REL
#WISE

HI Pete, Earlier in my life I worked abroad and should receive both $ and € pensions. I was looking for a way to receive payments without high fees. The WISE system worked well for the first $ experiment. US pension provider sent $ (-tax), as if I had a US $ account, no fee. I now have $ and £.

Good episode as usual. I came across #WISE earlier this year. Now have an account and used it for spending £ and receiving $. Only frustration was the few months taken to set up the $ account. Its there now and works well and will be v. useful. I read more and bought some shares too.

Interesting. I've got about 35% Fundsmith and think I will slowly reduce the fraction (perhaps 10% per annum). Its done well for me since I first bought in 2012 but for the last couple of years my other investments have done a little better.