Hi fam 👋🏽
A few weeks ago, I shared the inside of my £45K investment portfolio with you. The response was incredible, and so many of you messaged asking what’s next.
So I’m going to tell you: I’m aiming to hit £100K in my investment portfolio by the end of 2027.
I’m also planning on turning this into a public series on TikTok and Instagram because I need you all to hold me accountable 👀. But before I start documenting the journey there, I wanted to share the full blueprint with you here first.
💰 Why £100K Specifically?
There’s a concept in personal finance that explains why the first £100K is the hardest, but also the most important milestone.
Here’s how it works:
At £100K, your money starts working seriously hard for you. A 10% return on £100K is £10,000, which is essentially half of your annual ISA allowance generated passively. Your returns start to feel like real money rather than pocket change.
That’s why £100K is the milestone I’m working towards. Once you hit it, compounding takes over, and the next £100K comes faster than the first. The table below shows how long it takes to reach each £100K (assuming you invest around £10K per year at 7% average returns):
📊 How I Plan to Get There
Let me show you my exact blueprint to hit £100k
Where I am now: £46,000 (as of January 2026)
The contribution plan:
April 2026 to April 2027: Invest £20,000 (max out my ISA allowance)
April 2027 to December 2027: Invest another £20,000
Total new contributions: £40,000 Portfolio after contributions: £86,000
The gap to £100K: £14,000
This means I'm counting on my investment returns to close that £14K gap, roughly 8 to 10% average annual returns over the two years. Based on my portfolio's performance in 2025 (+26%), this is achievable, but I'm not guaranteed those returns. Markets don't go up in a straight line, and 2026 could look very different from 2025.
So yes, there’s risk in this plan. I’m betting on continued market growth while knowing it might not happen exactly as I hope.
🤔 The Part I Haven’t Figured Out Yet
Here’s where I get really transparent with you.
I know the numbers. I know the plan. What I don’t fully know is where the £40K I plan to invest will come from.
I’m at a crossroads with my career right now. I’m wrestling with whether I want to stay employed or build something of my own, and there’s genuine uncertainty about what my income will look like over the next two years. For all I know, I might not have a salary to plan with by the end of this year.
That’s scary to admit publicly.
But I’ve decided to commit to this goal anyway because I’ve learned that clarity comes from action, not from waiting until everything is perfect. I’ll figure out the “how” as I go, the same way I figured out how to go from investing £50 a month to maxing out my ISA.
The goal stays the same even if the path changes.
🎯 My Strategy for the Next Two Years
Max out my Stocks & Shares ISA for 2026/27 and 2027/28 tax years
Stay consistent with monthly contributions rather than trying to time the market
Reinvest all dividends so compounding can do its thing
Document everything publicly on social media, so I stay accountable
Adjust as needed because life rarely goes exactly to plan
📩 Follow the Journey
I’ll be sharing monthly updates on this £100K journey. Some will be free, but paid subscribers will get the detailed numbers: exactly what I bought, what I sold, and why.
💡 What This Means For You
You don’t need to aim for £100K by 2027. Your timeline might be 2030 or 2035, and that’s completely fine.
What matters is that you have a number, a plan, and the willingness to start even when you don’t have everything figured out.
If I waited until I had perfect certainty about my career and income before setting this goal, I’d never start. Sometimes you have to commit first and figure out the details along the way.
🎓 Want Help Building Your Own Blueprint?
If you want to create your own investment plan, whether it’s £10K, £50K, or £100K, The Money Method is for you.
It’s my 6-week programme starting 7th February, where I walk you through exactly how to build and execute your wealth plan. We cover everything: the mindset shifts, the practical steps, the investment strategies, and the accountability to actually follow through.
Discounted registration ends 27th January, so if you’ve been thinking about it, now’s the time.
👉🏽 Use code DISCOUNT40 for £40 off
I’ll be sharing updates on this £100K journey on TikTok and Instagram, so make sure you’re following along there too. I want you to watch me do this in real time, including the months where the market dips and I question everything 😅.
Let’s build wealth together.
XOXO,
Chidera 💰
P.S. If this resonated with you, tap the heart below or forward it to someone who's also chasing a big money goal this year.