Holly Mckay
Holly MackayFounder and CEO
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    • Home • Advice • Common questions

    Do I need to spread my investments across more platforms to be properly diversified?

    09 April 2026

    Question by Boring Money reader

    I have 30% in fixed income easy-access ISAs — short-term sterling bonds — plus 30% in Vanguard Global LifeStrategy, 30% in Fidelity World Index, and 10% in cash. Should I really be considering diversifying further by splitting the 60% across another platform, rather than just holding Fidelity and Vanguard?

    Answered by Holly Mackay

    Fidelity and Vanguard are both very big, very well-regulated global names. I think the risk of anything happening to them that would negatively impact you is negligible. In terms of diversifying i

    nvestments, you are pretty well catered for already. The Fidelity World Index fund has over 1,300 shares in it, for example. I suspect you are in the Vanguard LifeStrategy funds, which are also really well diversified — but do check which one. The 100% fund has everything in shares; the 20% fund has 20% in shares, for example. You already hold bonds and fixed income elsewhere, so make sure you are in the right LifeStrategy fund for your needs.

    Answered by

    Holly Mackay

    Founder & CEO, Boring Money

    I’ve worked in investment markets for over 20 years. I started out at Merrill Lynch Investment Management and worked at a few big names before setting up my first business in 2008.

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    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.