Tbh, i don’t know why you are using so many different portfolio at once, since you are looking to maximise returns by taking on higher risk, you should be allocating the most to Equity100 instead. I feel like you want to diversify by using 4 different portfolios but it’s very suboptimal given your capital. My recommendation for you is to concentrate on Syfe Equity100 instead, and couple it with a few growth ETFs such as WCLD, ICLN, SOXX and ARK ETFs of your liking. Essentially Equity100 will become your CORE holding and those ETFs can be your SATELLITE holding. The reason stashaway is not optimal is because with your Low capital (<25k), you’re actually paying 0.8% annually to them for a portfolio which focuses on downside risk. Equities beat the hell out of any other asset class in the long run, so if you are young and able to take risk, you should be allocating to equities because businesses grow over time. Personally I am 22 this year, holds 100% equities + crypto, my 2020 annualised gains was 78+%. Hope this helps!