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
£202,848.07IBKR ISA, prior-business-day close
- Invested
- £200,437.14
- Cash
- £2,410.93
- Reported daily P/L
- £-8,733.58
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: September 2026
A retrospective IBKR ISA review for September 2026: month-end value, holding changes, satellite crypto exposure and concentration risk.
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Monthly Portfolio Review: August 2026
A retrospective IBKR ISA review for August 2026: month-end value, concentration, late-month volatility and the risks still being underwritten.
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IonQ (IONQ) Investment Thesis: Commercialisation and Revenue Quality
IonQ (IONQ) is reporting stronger commercial demand. This thesis examines whether revenue quality, RPO conversion, margins and integration can support a durable quantum business.
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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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