UnitedHealth

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Ticker: UNH

UNH

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Discussion about UNH

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366

Spacepanda

@Spacepanda

2D·

TR - UNH Dividends

$UNH (-0.96%)

Has anyone already received the dividends from UNH on Trade Republic?

The payout was supposed to have been yesterday...

Thanks! 🙏🏻

17 Comments

Ella M.@DividendenWaschbaer

Probably coming tonight around 8:11 pm.

•

View all 8 further answers

Konstantin Harrer

@MozartTrading

1Wk·

Sep 17 / Root & Oscar – Insurance Disruptors

A Niche but Growing Play

Insurance isn’t exactly the most exciting industry. Most people hate it, and most companies in it act like it’s still the 20th century. No innovation, no enthusiasm, with rigid old structures. This, unfortunately, leads many investors to look past value opportunities like UnitedHealth or, as I’ll discuss in this post, disruptors. Names like Oscar and Lemonade caught my eye a long time ago. Root, however, I just discovered fairly recently, and I’ve been nothing but impressed ever since. They’re small, scrappy, and trying to do something very few incumbents even attempt: drag insurance into the 21st century. The investment case for these insurers is very different from my UnitedHealth approach. While Oscar and Root might also be cheap on a P/E level, with these disruptors I’m not betting on valuation or negative sentiment – I’m betting on future domination.

Oscar is the one I actually hold – one of my smallest positions, but still. Their approach to health insurance can’t be compared to legacy competitors, with its tech-driven, user-focused approach. It’s not without risks (regulation, competition, thin margins), but they’ve shown real growth and are slowly proving skeptics wrong. The stock has been beaten down in the past, but that’s what makes it interesting: there’s still huge upside if they keep executing. Another thing that makes me believe in the company is its visionary CEO. I’ve listened to calls and interviews with Mark Bertolini, and trust me when I say he is the embodiment of excitement and confidence in Oscar.

Root, on the other hand, is only on my watchlist for now. Auto insurance is a brutal space, but Root’s data-driven, app-based model is exactly the kind of disruption the sector needs. What I like about the business: it’s not hard to understand. They offer car insurance based on driving behavior. That’s as ingenious as it is simple.

Both are risky, no doubt. These are not “buy and forget” blue chips, and they won’t become core holdings of my portfolio, but rather satellite bets with strong management and enormous potential. In an industry this outdated, the upside for true disruptors is enormous. That’s why I like keeping some exposure, even if only small. Incumbents like UnitedHealth will never roll over, but Root and Oscar represent the kind of innovation that could carve out real market share over time, as long as execution is strong.

For now, I’m keeping Oscar as a small holding and Root on the watchlist. Insurance will probably never be exciting, but the companies reinventing it just might be. I’ll be watching closely, as I firmly believe that both of them deserve some attention for what they could become in the future.

$ROOT
$OSCR (+1.31%)
$LMND (-2.44%)
$UNH (-0.96%)

1 Comment

Chris

@Multibagger

1Wk·

My way to €100,000 strategy part 2

Hello GQ community,

Today I would like to give you an insight into the extent to which I use derivatives for my strategy. What experiences I have had and what mistakes I have also made and will therefore no longer trade in the future.

Of course, the same applies to derivatives as to shares. You have to achieve the highest possible return. That's why I primarily use turbo call or put derivatives when I expect prices to rise or fall sharply.

This is usually the case if there has previously been a strong exaggeration in one direction or the other from my point of view. I then bet on a short-term counter-reaction and trade in exactly the opposite direction.

Strict risk limitation is important here. So if things don't go in the right direction as desired, I get out very quickly because I don't want to risk a knockout.

It is also an opportunity to enter at the top or bottom of sideways phases. Many shares move up or down within limits over a longer period of time. A good example, which I have traded positively 4 or 5 times during this period, is $UNH (-0.96%) . It always moved back and forth between $250 and $325 for months. So I always took a short position near the upper limit, and when it went down again, I took a long position.

I find this a very effective and simple option, as you can also define the stop prices clearly and simply. If the share breaks out of these limits in one direction, it is sold, as it is then likely to move quite a bit further in the wrong direction and a total loss is imminent.

In sideways phases, I prefer to use inline OS. These bring pretty good returns if the shares move within certain ranges until expiry. They usually yield at least 80-120% within 3-4 months. I have also achieved 300% with them, but then you have to enter close to one of the limits with more risk. I like to use currency pairs for these bills. Preferably € to Swiss francs. They actually always work.

So now briefly to what I will avoid in future. I also have 3 long-dated normal OS. These were out of the money when I bought them, which means that the current price of the underlying asset is significantly lower than the strike price of the bill.

This promises high potential returns. However, as the bill has no or only a very low actual value, the share price has to rise sharply for the bill to move in the right direction.

Due to the long term, I have not been so consistent in my risk management and have let the certificates go too far into the red, so that I am now sitting on high percentage book losses in both cases and have to hope that the shares will still move strongly.

As I said in my last post, stick to your mindset, but question your strategy if it doesn't work out as desired. For me, the logical consequence of this is that I will no longer use derivatives in this way, but if I want to accompany a share with a derivative in the long term, I will use a KO certificate with lower leverage.

So that's it for today. I wish you all a positive trading day.

13 Comments