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
£223,012.56IBKR ISA, prior-business-day close
- Invested
- £222,962.72
- Cash
- £49.84
- Reported daily P/L
- +£17,166.82
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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Monthly Portfolio Review: July 2026
A dated record of the main IBKR ISA at the 31 July 2026 close, the July reallocations and the concentration risks I am carrying.
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The Freedom I Didn’t Expect to Value Most
The most valuable freedom on the path to financial independence has not been luxury. It has been psychological room.
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The Quiet Power of Not Reacting
Learning to do nothing during market noise has become one of the most valuable investing skills I have developed.
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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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