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
£241,810.48IBKR ISA, prior-business-day close
- Invested
- £240,790.95
- Cash
- £1,019.53
- Reported daily P/L
- £-2,338.34
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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Concentrated Investing: Conviction, Position Size and Risk
A personal framework for concentrated investing, conviction, position size and risk.
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How Much Should I Invest Each Month to Reach £1m?
How much to invest monthly to reach £1m, using time, contributions and illustrative returns.
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Interactive Brokers vs Trading 212: Which Is Better for UK Investors?
A practical Interactive Brokers vs Trading 212 comparison for UK investors weighing simplicity, flexibility and long-term fit.
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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