Whether or not you have attained financial independence you need to ensure your investments, pensions funds, ISAs, insurance bonds etc are managed optimally to ensure they are all focussed on delivering for you what you need.
The stock market rose for five years to October 2007. This was one of the longest periods of rises on record. Then, it fell by around 50% (by March 2009) right back to 2003 levels. Then it rose over the next two years. What now? Well, in the 1930s, stock markets fell eventually by c 80%! In our view, the economic position of our country is MORE dire than during the 1930s. Ask us why.
Have you thought about whether your holdings ought to be reviewed?
Have you considered what would happen to your investment and pension holdings now that oil is expensive again?
Or what do you do now that house prices have restarted their long term crash, from 2007? We are in the 2nd leg down to 2013/14 as we have forecast? Long term, prices are unlikely to be higher in 2020 than today.
Or how will you be on your retirement? Will your funds be robust enough to take on most events which could come along? Do you still need, in retirement, to be growing capital or perhaps you should reduce your risk exposure?
Or, perhaps your holdings are too cautious or too risky? Most portfolios that we encounter, actually, bear no relationship to the investor's actual needs.
How do you know how good your current investment manager is? What does s/he do for his/her charges? Does s/he make you money? Does s/he ensure your hard-earned and saved funds are working for you but without taking undue risks with your money?
Please note, investments can fall as well as rise, and they will!