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
£194,076.99IBKR ISA, prior-business-day close
- Invested
- £194,027.15
- Cash
- £49.84
- Reported daily P/L
- £-10,516.95
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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The Social Cost of Financial Independence
Building a better financial life can change the version of you people expect. This is about widening your environment, not rejecting your past.
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Why I Made Rocket Lab 50% of My Portfolio
I sold smaller positions and made Rocket Lab roughly 50% of my portfolio. This is why I acted, the risks I accept and what would make me reassess.
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AbCellera (ABCL) 2026 Investment Update: Clinical Proof Is Now the Test
My 2026 AbCellera investment update. The next clinical readouts will test whether the platform can produce evidence that changes the investment case.
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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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