I say > 15% up in one year. If you want to bet against it you can also short :) - My 1st and probably last position to diversify my tech-heavy portfolio more.

Who will stand up to the largest insurer in the USA? The moat has been greatly expanded over the years (several insurance (sub)categories, long-term care, Medicare program for low-income earners, telemedicine, pharmacies), making them very vertically integrated in the insurance and healthcare market.

Sales and margin pressure? Yes, of course! But by 60%? Think no!

As far as lawsuits are concerned, we still have to speak of a "presumed" lawsuit, if you believe UH. They report that no lawsuit has been filed. In a negative scenario, as is almost always the case in US history, a settlement will be reached. A few hundred million/1 billion and that's it. There is 34 billion in the coffers.

I see little to no risk in the insurance business.

The pharmacy subsidiary OptumRX is more critical. They negotiate with the pharmaceutical companies about the prices at which they buy medicines and pass them on to their policyholders + surcharge. And there could be problems here if 🍊they enforce what they say. BUT: OptumRX only accounts for approx. 13% of sales (share price plummets 60% 🤷‍♀️). As far as I know, this segment is one of the highest-margin areas at UN. Instead of good margins, these may be trimmed (to a solid level?). But the risk then also affects $CVS (+3,54 %) and $CI (+4,13 %) as well.

I think the potential impact is overestimated.

If there are people who live in the USA, I would appreciate your assessment!

By the way, for those who got in early: stop thinking from day to day!

Broadcom investment worthwhile?

Investors who backed Broadcom 10 years ago $AVGO (-2,17 %)-shares 10 years ago can look forward to a breathtaking increase in value. At that time, the share was traded on the NASDAQ for just USD 11.95. If someone had bravely invested USD 1,000, they would be the proud owner of 83,682 Broadcom shares today. The current closing price is USD 176.91, which means that the former investment is now worth an incredible USD 14,804.18. This corresponds to an astonishing increase of 1,380.42 percent! Furthermore, Broadcom's current market capitalization is an impressive USD 831.53 billion. However, it is important to emphasize that this calculation does not take into account stock splits and dividend payments. So anyone who bet on Broadcom has not only benefited from the share price, but also from the dividends that the company has paid out in recent years.

The Cigna Group Registered dividend payment

In the USA, the shareholders of The Cigna Group Registered $CI (+4,13 %) can look forward to good news: at the Annual General Meeting on April 23, 2025, a dividend of USD 5.60 per share was approved for 2024. This distribution represents a considerable increase of 13.82% compared to the previous year and adds up to an impressive USD 1.57 billion that will flow to shareholders. It is also interesting to note that the total distribution has risen by 8.07%. On the day of the Annual General Meeting, the share was quoted at USD 336.69, which represents a dividend yield of 2.03%. In the previous year, this yield was 1.64%, meaning that shareholders have seen a positive development in their return despite a 4.43% fall in the share price over the last twelve months. Analysts are confident and expect a further increase in the dividend to USD 7.23 in 2025. This would increase the dividend yield to 2.15%. Currently, the market capitalization of The Cigna Group Registered is USD 91.352 billion and the company has an impressive turnover of USD 244.384 billion, with earnings per share of USD 12.25.

Sources:

https://www.finanzen.net/nachricht/aktien/s-p-500-wert-broadcom-aktie-so-viel-haetten-anleger-an-einem-broadcom-investment-von-vor-10-jahren-verdient-14417609

https://www.finanzen.net/nachricht/aktien/s-p-500-papier-the-cigna-group-registered-aktie-ueber-diese-dividendenzahlung-koennen-sich-the-cigna-group-registered-anleger-freuen-14417762

+++ News: Heated mood around US health insurers +++

The shares of well-known insurance companies such as $UNH (+4,71 %) but also those of competitors $ELV (+2,75 %)
$HUM (-0,15 %) and $CI (+4,13 %) have fallen surprisingly this week. Although the losses are limited, the reasons for this are more than just shocking.

As I reported earlier, the CEO of United Healthcare's insurance division was the victim of a targeted assassination. While the police are now investigating at full speed, the perpetrator is currently the target of downright hero worship on social media. The assassin is repeatedly equated with characters from pop culture such as Batman, Robin Hood or John Wick.

Insults against the victim and his family are also liked and shared thousands of times. It is not just the viciousness of the comments that is frightening - but the fact that, as is so often the case in such instances, the platforms simply let them stand.

Insurers' shares are currently falling because there are fears that there could be further murders of insurance employees. The management of the major insurance companies is alarmed and has hastily removed photos and other personal data of their "C-level executives" from their websites.

Commentary and classification: After the failed assassination attempt on Trump, I'm hardly surprised at the kind of people we're dealing with here. The same people who talk about democracy and human rights in every other sentence are the same people who are now calling for the assassination of their ideological opponents once again. Even a good ESG score doesn't help United Health against so much hatred.

From a purely shareholder perspective, this charged sentiment towards the banking and insurance sector is $JPM (-0,08 %) is of course a systemic risk when investing. However, these are not necessarily particularly controversial sectors. Retailers $WMT (+1,58 %) pharmaceuticals $PFE (+1,19 %)
$CVS (+3,54 %) consumer goods manufacturers $KVUE (+1,03 %)
$BATS (+2,63 %) defense companies $LMT (+0,52 %) etc. could soon find themselves in the crosshairs.

If you really want to be absolutely sure of being invested in a politically correct way, simply put your money in Northvolt and make a 90% loss. This also ensures that you can "eat the rich" can no longer be meant.

$UNH (+4,71 %) - United Health

After the numbers were very solid and the other health insurers/sector didn't really react strongly.

Which other health insurers could also react strongly after the numbers and surprise positively?

Which one is your favorite and why ?

$CVS (+3,54 %) - CVS Health

$HUM (+6,12 %) - Humana

$ELV (+2,75 %) - Elevance Health

$HCA (+0,81 %) - HCA Healthcare

$CI (+4,13 %) - Cigna

$CNC (+3,05 %) - Centene

Or do you have other favorites or companies from the sector on your watchlist?

Oh man 😅 doesn't work for $UNH (+4,71 %)

UnitedHealth ( $UNH (+4,71 %) ) and Humana ( $HUM (+6,12 %) ) collapsed overnight, while other health insurers like CVS Health ( $CVS (+3,54 %) ) and Cigna ( $CI (+4,13 %) ) dropped after the Biden administration announced that the final Medicare Advantage rates in 2025 will not change from the original plans in January.

https://www.investors.com/news/unitedhealth-health-insurers-tumble-on-medicare-advantage-rates/

Per WSJ.

Cigna ($CI (+4,13 %) ), a global health care services company, is in advanced discussions to expand its Medicare business for 3 to 4 billion dollars to Health Care Service Corp for between one and four billion dollars. Health Care Service Corp ($HCSG (+2,71 %) ) offers health insurance including Medicare plans for older people in the USA.

𝗠𝗮𝗿𝗸𝗲𝘁 𝗡𝗲𝘄𝘀 🗞️

𝗪𝗼𝗿𝗹𝗱 𝗼𝗳 𝗧𝗮𝗻𝗸𝘀 / 𝗘𝘃𝗲𝗿𝗴𝗿𝗮𝗻𝗱𝗲 𝘀𝗰𝗵𝘄𝗮𝗻𝗸𝘁 / 𝗦𝗽𝗶𝗲𝗹𝗲𝗻 𝗶𝗻 𝗱𝗲𝗿 𝗦𝗮𝗻𝗱𝗯𝗼𝘅

𝗘𝘅-𝗗𝗮𝘁𝗲𝘀 📅

As of today, among others, BlackRock ($BLK), Cigna Corporation ($CI (+4,13 %)) and Ross Stores ($ROST (+0,21 %)) are trading ex-dividend.

𝗤𝘂𝗮𝗿𝘁𝗮𝗹𝘀𝘇𝗮𝗵𝗹𝗲𝗻 📈

Today, among others, mongoDB ($MDB (+0,89 %)), GitLab ($GTLB (-0,43 %) ) and Coupa Software ($COUP) present their figures.

𝗠𝗮𝗿𝗸𝗲𝘁𝘀 🏛️

Defense Industry - In times of Corona when the global economy has contracted, defense corporations remain positive and are seeing growing sales. In 2020, the top 100 corporations reported rising sales for the sixth consecutive year. Forty-one of these companies are from the U.S. and had sales of $285 billion in 2020. This puts the U.S. at the top of the defense industry, followed by China and the UK.

Evergrande ($3333) - A payment of $82.5 million is due today after a 30-day extension. The real estate group already acknowledged that there may not be enough funds to service this liability.

Chinese real estate company Sunshine 100 China Holdings is also under pressure and had to let a $170 million payment lapse yesterday.

𝗖𝗿𝘆𝗽𝘁𝗼 💎

Virtual land in the metaverse dominated NFT sales last week. Demand for digital land surpassed all other items as well as art and other collections. More than $300 million in NFT sales were generated last week, with nearly a quarter of that coming from digital land in The Sandbox ($S (+0 %)AND) Metaverse.

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