Aside from HSBC, I’d argue your exposure to India is also too high.

Your holding of JPMorgan India accounts for almost a third of your entire Isa. While India has performed very well lately, the market can be extremely volatile and a position of this size is far too risky, especially during your pension years when you should be focusing on preserving wealth and sourcing income.

Just take this week as an example – stocks in India sold off heavily as election results trickled out.

Emerging market funds should only be a small satellite position rather than a core holding. Our funds team like Pacific Assets, JPMorgan Emerging Markets and Utilico Emerging Markets for wider EM exposure. Consider switching to one of these funds instead with a smaller percentage allocation.

At the other end of the size spectrum, you have some tiny positions such as around £118 in Liberty A or 0.05pc of your share portfolio and in your Isa you’ve got about 1pc or just under £820 in Haleon. Those very small holdings won’t move the needle so aren’t much use to you.

Therefore you might like to think about either selling these to simplify things, or consider building up a meaningful allocation to an appropriate percentage, say around 3pc-5pc which would make much more sense as part of a diversified portfolio.

In terms of other nips and tucks, I’d argue you don’t need to hold both Liberty A and Liberty C.

There isn’t much need for two different share class versions of the same stock, and you want to make things as simple as possible for yourself.

In the same vein, you probably don’t need two different Japan funds either – at the moment you’ve got Fidelity Japan Trust and JPMorgan Japanese Investment Trust.

The JPMorgan trust is a better performer over one, three, five and 10 years, with less volatility over the past three years.

I’m not an expert on either of these funds but a quick scan of the data suggests to me that JPMorgan has been better managed – so why not do some more research and consider consolidating into one strategy

Now that we’ve covered some tweaks to your portfolio, let’s focus on the more important part – choosing the major building blocks that should comprise the lion’s share of your portfolio.