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
£242,626.09IBKR ISA, prior-business-day close
- Invested
- £242,622.59
- Cash
- £3.50
- Reported daily P/L
- +£3,580.81
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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7 One-Person Businesses You Can Start With Under £500
A practical UK-focused comparison of seven one-person business models that can be tested with under £500, including costs, customer acquisition and the trade-offs that matter.
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Surf Air Mobility (SRFM) Investment Thesis: Can Aviation Software Become the Real Business?
Surf Air Mobility’s credible thesis is SurfOS, not imminent electric aircraft. Here is the SRFM opportunity, evidence to track and the risks.
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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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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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