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
£210,707.51IBKR ISA, prior-business-day close
- Invested
- £210,637.35
- Cash
- £70.16
- Reported daily P/L
- £-5,091.44
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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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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Three Things I Wish I’d Understood at £50k Net Worth
At around £50k net worth, a few principles would have saved me time, money, and unnecessary complexity.
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Sharesight Review: Tax-Aware Portfolio Tracking for Investors
A review of Sharesight for investors who want performance tracking with a stronger focus on tax and reporting clarity.
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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