Matthew Bird is 32 and has been investing seriously since 2005. He initially started investing to pay off an interest-only mortgage of £105,000. After seven years he has achieved this goal but will continue to invest as long as he sees value in the market.
"Usually, I like to buy safe, well-known, large-cap companies with good dividends and the possibility of moderate growth. However, some of the portfolio is quite speculative - ie, banking, insurance and builders. I am still positive about all of my holdings. I think in years to come Lloyds Banking may prove to be the most lucrative investment but am wary of over-exposing myself to one company.
"The yields from insurers are very attractive, so maybe a top-up of Aviva or possibly Admiral could be next. I'm a bit disappointed with the performance of my Tesco and AstraZeneca shares, but both look great value so I might increase those, too. The tobacco sector has done very well lately - if it goes up much further I may trim my holdings a little so I'm not over-exposed there."
Risk-averse share portfolio
Pay off mortgage
Matthew Bird's portfolio