THE REAL JOURNEY TO FINANCIAL INDEPENDENCE
Building financial independence, openly.
I am Richard, a UK investor documenting the decisions, doubts, portfolio changes, and mindset shifts behind creating more freedom.
MAIN PORTFOLIO
A public record, not a performance pitch.
The main portfolio is held in my IBKR ISA. I share the current holdings, the monthly changes, and the thinking behind the decisions.
Explore the live PortfolioLATEST REPORTED VALUE
£216,730.36IBKR ISA, prior-business-day close
- Invested
- £216,660.20
- Cash
- £70.16
- Reported daily P/L
- £-1,307.25
Updated from broker reporting. See the Portfolio page for source timing and holdings.
LATEST WRITING
What I am thinking about now
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BETA Technologies (BETA) Investment Thesis: Aircraft, Charging and Commercial Validation
My current BETA Technologies thesis centres on the ALIA aircraft, its charging ecosystem and whether early commercial relationships can turn into real deliveries.
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NVIDIA (NVDA) Investment Thesis: Scale, Execution and Earnings Power
My current NVIDIA thesis centres on whether scale, platform execution and earnings power can continue compounding through the AI infrastructure buildout.
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Palantir (PLTR) Investment Thesis: Why AIP Commercial Adoption Matters Most
My current Palantir thesis centres on whether AIP commercial adoption can become durable, embedded revenue rather than a short-lived AI spending cycle.
START EXPLORING
The ideas behind the numbers
Portfolio
Holdings, position sizes, monthly reviews, and the thinking behind them.
Explore 02Financial Independence
The trade-offs, emotions, and practical choices on the path to freedom.
Explore 03Personal Reflections
Honest notes on ambition, enough, investing mistakes, and changing your mind.
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