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
£232,901.17IBKR ISA, prior-business-day close
- Invested
- £230,490.24
- Cash
- £2,410.93
- Reported daily P/L
- £-4,296.75
Updated from broker reporting. See the Portfolio page for source timing and holdings.
LATEST WRITING
What I am thinking about now
-
How to Validate a One-Person Business Idea Before Spending Money
A practical UK framework for validating a one-person business idea: customer problem, paid test, evidence, compliance checks and a clear next decision.
-
Interactive Brokers ISA Review UK: Features, Costs and Trade-Offs
A practical Interactive Brokers ISA review for UK investors, covering eligibility, platform complexity, fees, global access and key trade-offs.
-
Portfolio Rebalancing UK: Rules for Drift, Risk and Deliberate Decisions
A UK-focused guide to portfolio rebalancing, investment drift, taxes and decision rules. Educational information only, not personal investment advice.
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.
Explore