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215I am currently restructuring my portfolio and would like to keep the ACWI as the core and have a mix of growth and quality individual stocks with a long investment horizon as satellites. I have currently selected the following stocks:
However, this selection is very tech and USA focused. Do you have any suggestions or alternatives? For example, I have $LIN (+0.17%) , $SAP (+0.65%) , $SIE (-0.6%) and $CAT (+0.07%) or $DE (-0.59%) on the watchlist. What do you think?
Hi everyone!
I’ve been building this portfolio for almost a year now, following a long-term growth approach rather than chasing short-term explosive gains. So far, it’s up +5.30%. I’ve focused more on the italian and american markets with stoks such as $ISP (-0.41%)
$KO (-0.7%)
$BRK.B (+0.47%) that make more than half my portfolio. What do you think about my strategy and approach?
$VOW3 (-0.37%)
$PLTR (-0.84%)
$FCT (+2.93%)
$LDO (+2.71%)
$RHM (+1.97%)
$INTC (+0.24%)
$CPR (-1.64%)
$AXP (+0.37%)
$BMPS (+1.01%)
$FBK (+0.13%)
$G (-0.38%)
$GS (+0.5%)
$MCD (+0.65%)
$SL (+2.12%)
$ENI (+0.33%)
$BBAI (-2.56%)
$PRY (-1.7%)
I am looking to sharpen my knife and trim my portfolio down to only 15 stocks. Which stocks would you suggest I cut/sell and which ones would you put more emphasis on? Let me know in the comments!
Over the years, I’ve sharpened my strategy down to a focused portfolio built on true compounders. Here’s what guides my stock picking:
here’s my current holdings:
Hello community,
I would like to present my revised portfolio strategy to you today and am looking forward to your opinions and constructive feedback. I am pursuing a core-satellite approach.
The core (approx. 40%):
My foundation for long-term and stable asset accumulation. Here I rely on the MSCI World and the Nasdaq 100 in order to participate in global economic growth in a broadly diversified manner. Simple, cost-effective and proven.
The satellites (approx. 60%):
Here I pursue clear, thesis-based investments in individual stocks. These can be divided into six thematic clusters:
1. the AI infrastructure (cloud, data & security):
My biggest bet. I believe that the real winners of the AI revolution are the companies that provide the foundation.
Positions:
Cloudflare, CrowdStrike, Snowflake, Datadog.
2. the fintech revolution in emerging markets:
The disruption of traditional banking in populous and digitally savvy regions.
Positions:
MercadoLibre, Nu Holdings.
3. global champions & turnarounds:
Here I bundle global market leaders that I consider undervalued or that are on the verge of a comeback.
Positions:
Alibaba, BYD. For me, these are not speculative gambles, but counter-cyclical bets on dominance in their respective markets.
4. industrial excellence & luxury brands:
A bet on undisputed market leaders in highly profitable niches with strong moats - from armor to high-tech automation to luxury sports cars and one of the best investors of all time.
Positions: Rheinmetall, Ferrari, Berkshire Hathaway, Keyence.
5. future technologies & energy:
The thesis here is clear: more AI and more data centers require massively more energy.
Positions:
The Uranium ETF, Iris Energy, American Lithium.
6. megatrends: health & sustainability:
Investments in global market leaders that benefit from two unstoppable social developments: demographic change and the need for a circular economy.
PositionsNovo Nordisk, Tomra Systems.
My question to the Getquin community:
What is your opinion on this strategy and allocation?
#DepotCheck #PortfolioReview #Feedback #CoreSatellite #Strategy
$NET (+0.72%)
$CRWD (+0.79%)
$NOVO B (-0.2%)
$1211 (+0.63%)
$BABA (+2.1%)
$IREN (+6.67%)
$NLR (+1.05%)
$ACWI
$WSML (+0.89%)
$RACE (+0.57%)
$BRK.B (+0.47%)
$RHM (+1.97%)
$6861 (+2.17%)
$DDOG (-0.73%)
$MELI (-0.08%)
$SNOW (-0.04%)
$NU (+3.63%)
$TOM (-0.61%)
Trump Meets Putin in Alaska – A Meaningless PR Stunt?
Finally, after weeks of speculation, President Trump has arrived in Alaska to supposedly discuss how to end the war in Ukraine. This is the first face-to-face meeting in several years for the two presidents.
Trump warned of “very severe consequences” if a ceasefire can’t be reached – whatever that’s supposed to mean. Hopefully, it has nothing to do with the ballistic submarines stationed near Russia after Trump and a Russian official engaged in a verbal sparring match on social media. Let’s see where this goes.
UnitedHealth – The Stock Has Found Its Savior
Berkshire Hathaway sold shares in Apple and added to a new, very attractively valued position: UnitedHealth Group. Warren Buffett is known to buy when others are fearful, and speculation surrounded his latest pick until it was finally announced yesterday.
I can gladly say that I’m apparently not the only one who sees great potential in the unloved giant. The company has faced major headwinds – including the vicious and brutal killing of its CEO, higher medical costs, and controversies over its business practices. However, let’s not forget: UnitedHealth is the 9th-largest employer in the U.S. and the largest health insurer worldwide. 1 in 6 Americans is covered by UnitedHealth.
Warren Buffett finally gave the stock the spark it so badly deserved. UnitedHealth is a great company that – and quote me on this – will climb back to all-time highs. The insurer has a massive moat, strong fundamentals, and generates cash like King Midas. This is one of the positions in my portfolio I’m least worried about. I’ll let it sit there and take profits in two years.
Dlocal vs. Adyen – I Suppose I Chose Correctly
Investor’s reaction to the earnings of these two fintech companies couldn’t have been more different. One stock fell 20% after the report, while the other jumped more than 40%. Dlocal and Adyen both operate as international payment processors – Dlocal primarily in South America and other emerging markets, and Adyen across global markets.
Dlocal raised its guidance, beat expectations, and impressed with excellent execution, while Adyen struck a cautious tone and predicted a soft outlook. I find both companies highly interesting, but I decided to invest in Dlocal a few weeks ago due to its superior expansion potential, more attractive valuation, and strong leadership.
I feel proven right after the recent reports, though I wouldn’t be opposed to opening a position in Adyen if the stock drops further.
$UNH (-0.25%)
$BRK.A (+0.24%)
$BRK.B (+0.47%)
$AAPL (+0.65%)
$DLO
$ADYEN (+0.01%)
$ADYEN (+0.01%)
$BRNT (+2.21%)
$CRUD (+3.06%)
$UNH (-0.25%)
$BRK.B (+0.47%)
$BRK.A (+0.24%)
Buffett has probably bought far more than the stated 5 million shares of $UNH (-0.25%) probably much more.
This can be concluded from the fact that Berkshire Hathaway no longer requires a confidentiality note for the current quarter.
Today's 13F only covers transactions through June 30, we don't know how much he bought after that.
The closing price on this day for $UNH (-0.25%) was $311.97.
In between there are another 45 days where the price has mostly fallen further.
Therefore, confidential treatment of $BRK.B (+0.47%) is no longer necessary.
We will find out exactly how much he has collected in 3 months, but I believe that he was not satisfied with the initial purchase with the share price continuing to fall and so much cash on hand 💪
Other buyers:
+ 1
Someone must have $UNH (-0.25%) bought. Contra indicator or is the bull run coming now? $BRK.B (+0.47%)
Short quota just under 30% 🫣
The market is slowly recognizing the potential, momentum continues
Currently, 98% of all onboarding and 55% of all claims processing is handled by native AI agents without human interaction
This means that scaling is possible without an increase in personnel.
This means an increase in efficiency and operational leverage.
AI-centric design also reduces costs.
The majority of costs in the insurance industry arise from claims settlement.
This is because humans used to be heavily involved in this.
As $LMND (-5.56%) now handling this with the help of AI, their loss ratio is also falling.
Lower costs lead to lower prices.
Some of these cost savings are passed on to customers in the form of lower prices.
Currently, prices are on average 68% lower than those of the competition.
This creates a positive feedback cycle:
- Operating leverage reduces costs.
- Reduced costs increase efficiency.
- This allows $LMND (-5.56%) charge lower prices.
- Lower prices attract more customers.
- Larger scale increases operating leverage again.
A cycle of growth 🚀
$ALV (-0.8%)
$MUV2 (-0.49%)
$ALL (-0.83%)
$PGR (-1.16%)
$BRO (+0.97%)
$ZURN (-0.33%)
$CS (-3.65%)
$BRK.B (+0.47%)
+ 1
History:
$LMND (-5.56%) is an insurance company that was founded as a public benefit corporation and has its headquarters in New York and its European branch in Amsterdam. Lemonade has been traded as a public company on the New York Stock Exchange since July 2020.
$LMND (-5.56%) Insurance was founded in 2015 by Daniel Schreiber and Shai Wininger with the goal of revolutionizing the insurance industry through technology. The company started by providing home insurance and relies heavily on artificial intelligence and chatbots for claims processing and customer service.
$LMND (-5.56%) has experienced rapid expansion, including an IPO in 2020 and expansion into Germany
business model:
Lemonade, Inc. offers renters, homeowners, auto, pet and life insurance.
Current market capitalization 3 billion
The company's full-stack, artificial intelligence-powered insurance carriers in the United States and European Union replace brokers and bureaucracy with bots and machine learning. The company's digital substrate enables it to integrate marketing and onboarding with underwriting and claims processing, and to collect and utilize data.
Its technology includes Data Advantage,
AI Maya, AI Jim, CX.AI, Forensic Graph, Blender and Cooper.
AI Maya, the onboarding and customer experience bot, uses natural language to assist customers in the onboarding process.
AI Jim, the claims reporting bot, receives the customer's first claim and pays the claimant or rejects the claim without human intervention.
The company offers pet insurance policies that cover diagnoses, procedures, medication, accidents or illnesses. Even the basic pet insurance covers blood tests, urinalysis, laboratory tests and CT scans.
What is the Lemonade $LMND (-5.56%)
Giveback?
Giveback is at the heart of Lemonade. This core element of the business model enables customers to use their Lemonade insurance policies to support causes that are close to their hearts.
Since 2017, Lemonade has $LMND (-5.56%) donated over 10 million US dollars to help build new homes, provide clean water, improve education, promote animal rights and much more.
Here's how it works:
When a customer purchases a $LMND (-5.56%) renters, homeowners, auto or pet insurance, charges a flat fee to cover $LMND (-5.56%) a flat fee to support and grow the business. A portion of the premiums goes towards claims settlement and the balance goes directly to one of their Giveback Partners - non-profit organizations selected by our customers.
$LMND (-5.56%) is a non-profit corporation:
$LMND (-5.56%) is a Public Benefit Corporation and a certified B Corp, which means they are legally committed to making a positive social impact. B Corp certification is awarded to companies that demonstrate that they balance profit and purpose while putting people and the planet at the center.
Every three years, they undergo a comprehensive assessment of their entire organization.
Number of employees: 1 258 (end of 2024)
Profitability:
$LMND (-5.56%) Approaching a turning point, possibly offering a promising investment opportunity.
Profitability increases with size, as costs do not rise due to additional premiums, as is normally the case with conventional insurance companies.
Management expects EBITDA profitability in 2026 and net profit profitability in 2027.
They see an extremely clear path to profitability:
They also have a clear path to profitability :
- Loss ratio from 92% to 73
- Net profit margin -123% to -20.2%
- Continued increase in sales growth rates
Growth:
Growth is currently still controlled, but the real growth is yet to come, with sales growth rates continuing to rise in the last two quarters.
They have been able to achieve these growth rates without an expansive expansion (both in existing and additional potential states) of automobile insurance, which represents a huge opportunity for $LMND (-5.56%) represents a huge opportunity.
Car insurance
$LMND (-5.56%) currently has around 2.3 million customers who use renters, pet and other insurance products. These customers use $LMND (-5.56%) for one reason: favorable price and convenience.
The share of car insurance is currently still very small and has a lot of room for expansion, so if we were to assume that only 30% of them become car insurance customers with an average annual turnover of USD 1,800, that would be an additional USD 1.24 billion in turnover per year ... just by cross-selling 30% (without any other new customers)
Pet insurance:
The pet insurance market was a $5 billion market in the US last year. It is expected to reach 6 billion dollars in 2025 and 15.7 billion dollars by 2030, growing by 22% annually.
$LMND (-5.56%) - Total annual premiums recently surpassed the $1 billion mark. So if you were to capture 50% of the pet insurance market, premiums would increase eightfold in just five years (800% assuming the projected growth above)
Trupanion (green line) has a 25% market share today. $LMND (blue line) is around 5%.
However, the search trend will continue to have a positive effect for $LMND (-5.56%) especially as it is only just beginning to expand further into all states. (This also applies to the other insurance segments)
Opportunities/long-term potential:
I think the future possibilities and opportunities for $LMND (-5.56%) a supposedly boring industry are enormous.
The insurance market has one of the largest TAMs of all.
The global insurance market was worth around USD 8 trillion in 2024. The USA and China are the largest insurance markets worldwide, with the USA leading the way with a market share of around 45% and China with around 10%.
$ALV (-0.8%)
$MUV2 (-0.49%) , $HNR1 (-0.51%) , $PGR (-1.16%) , $GEC , $ALL (-0.83%) , $AIG (+0.21%) , $UNH (-0.25%) , $CVS (+1.02%) , $UQA (-2.85%) , $G (-0.38%) , $VIG (+0.64%)
+ 3
Today I increased my position in Berkshire Hathaway (B) sold.
📉 Reason: Even though the company is strong in the long term, it no longer fulfills a clear strategic role in my portfolio and is covered by broadly diversified core ETFs.
💰 Use of funds: Reallocation to global core ETFs to simplify and focus the portfolio structure.
Goal remains: Fewer individual stocks, more clear structure and long-term stability.
New acquisitions: $FTNT (-1.98%)
$TTD (-0.88%)
$CMG (-0.94%)
$AJG (-0.46%)
$BRK.B (+0.47%)
$ZTS (-0.12%)
Please let me know what you think of my compilation.
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