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

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?

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 iThe process of spreading your investment portfolio across different asset classes, such as partially in shares and partially in bonds, in order to reduce risk.nvestments, you are pretty well catered for already. The Fidelity World IndexA diversified type of investment fund known as a global index tracker. Its main goal is to copy the performance of the MSCI World Index, which is a collection of large and mid-sized company shares from 23 developed countries, including the US, Japan, and countries in Europe 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.