# Three ways to build an ISA portfolio from scratch

Page: https://stenobird.com/podcast/on-the-money-778652/three-ways-to-build-an-isa-portfolio-from-scratch
Text version: https://stenobird.com/podcast/on-the-money-778652/three-ways-to-build-an-isa-portfolio-from-scratch.md
Podcast: [On The Money](https://stenobird.com/podcast/on-the-money-778652)
Published: 2026-04-23T01:00:00+00:00
Episode link: https://share.transistor.fm/s/018ece03
Audio file: https://media.transistor.fm/018ece03/b29aa775.mp3
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/on-the-money-778652/episodes/three-ways-to-build-an-isa-portfolio-from-scratch
Duration seconds: 1306

## Resource

Putting together a portfolio to weather different conditions is no easy task, even in calmer times. For beginner investors it can be particularly puzzling, given there are thousands of funds to choose from. To help cut through the noise, interactive investor’s Dave Baxter has put together three hypothetical portfolios for different risk levels: cautious, balanced and adventurous. Dave joins Kyle to explain his choices and how he arrived at the mix of assets. The duo also discuss ‘hands-off’ funds for investors on the lookout for low maintenance options. The three hypothetical portfolios can be found in the links below: How to build a cautious ISA portfolio How to build a medium-risk ISA portfolio How to build a higher-risk ISA portfolio Kyle Caldwell is Funds and Investment Education Editor at interactive investor. On The Money is an interactive investor (ii) podcast. For more investment news and ideas, visit www.ii.co.uk/stock-market-news . Important information: This podcast is intended for information purposes only and is not a personal recommendation. Past performance is not a guide to future performance. The value of your investments may go down as well as up, and you may not get back all the money that you invest. Full performance information can be found on the company or index summary page on the interactive investor website. The ii Personal Pension (SIPP) is for people who want to make their own decisions when investing for retirement. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). If you are in any doubt about the suitability of the ii Personal Pension (SIPP), Stocks & Shares ISA, Trading Account, and/or any related tax treatment of these products, you should seek independent financial advice. Interactive Investor Services…

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/on-the-money-778652/episodes/three-ways-to-build-an-isa-portfolio-from-scratch/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/on-the-money-778652/three-ways-to-build-an-isa-portfolio-from-scratch.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.