Thanks everyone for getting back to me, really appreciate all the feedback!
After taking a bit of everything on board and reevaluating my strategy Im thinking of going with the following.
For the first pie Im going to put my lump sum into the following more simplified allocations:
I have removed the real estate etf and have upped the allocations towards bonds to 10%. I know that there were some suggestions to remove the bond fund entirely but my thinking (I could be way off) is that if we have a market crash similar to last year due to more lockdowns or such, I will dump that entire bond fund into equities whilst they are cheap.
After some thought I think I am going to stick with the initial plan to dump the lump sum in 1 (maybe 2) goes into those 4 ETFs as I would rather have time in the market even if it dips, and as I have said the bond fund should offset this if I buy use it to buy the dip. It would also simplify that returns, I dont want to deal with having deemed disposal on 4 ETFs 9 times spread over 2 tax periods.
I will still be saving into a deposit account so will have also have some spare funds on the side in that regards too.
For my second pie i have reduced it to just consist of the the Vanguard S&P 500 ETF (VUAA).
My thinking here is that i can deposit monthly to this fund and it can serve as a placeholder until I have more free time available to build a more active portfolio with stocks and the such.
I think overall here I have managed to reduce cost by eliminating some of those unnecessary expensive ETFs, and my portfolio plan is much simpler.
All the feedback has forced me to think more about my strategy long-term, so thanks to everyone who has taken the time to reply,