Greetings,

I generally don't think much of posts on feeds from any media, as they don't bring me any added value but merely serve to present myself. Now that I have followed the publications and reactions a bit, I think I have seen more than less constructive members here.

For this reason, I have decided to make the first post of my life here. It's not directly about sums, I just want to ask for your assessment of my savings plan and target allocation. Constructive criticism and suggestions for improvement are expressly welcome.

The whole thing is intended to reflect a core-satellite strategy with a 1:1 risk/reward ratio.

Global diversification (core) - 60%:

• $CSPX (-1,21 %) - 25%,
• $MEUD (-0,59 %) - 17%,
• $LEM (-0,88 %) - 10%,
• 
  $XDWH (-0,13 %) - 8%,

Individual securities (satellites) - max. 20%:

• 
  $BRK.B (+0,77 %) - 5%,
• 
  $IBE (+1,04 %) - 3%,
• 
  $CRWD (-3,05 %) - 3%,
• 
  $HUBS (-3,92 %) - 3%,
• 
  $AVAV (-4,12 %) - 2%,
• 
  $NTLA (-5,77 %) - 2%,
• 
  $BWXT (-5,53 %) - 2%,

Buffer (security) - approx. 20%:

Raw materials:

• 
  $IGLN (+0,95 %) - 6%,,
• 
  $CMOE (-1,28 %) - 4%,

Bonds:

• 
  $0GGH (-0,26 %) - 6%,

Real estate:

• 
  $IWDP (-0,83 %) - 4%.

My thought process should be clear. The core should cover global performance with a percentage distribution based on economic strength. Separately, the World Health Care ETF, as people are getting older and sicker and, in my opinion, the healthcare sector is not so strongly represented in the other ETFs.

For the satellites, my thought process is as follows:

Berkshire can be seen as an ETF and covers successful individual stocks.

Nothing works without energy, hence BWX (USA) and Iberdrola (Europe). I see digital security threatened by AI and the further development of data centers etc., hence CrowdStrike. Companies will always need good software to be able to expand and still keep track of things, hence HubSpot. In connection with AI and the armed conflicts in our world, I see drones as a future-oriented technology in all possible areas, hence AeroVironment. And I discovered Intellia as a medical catapult, which is admittedly a bit of a gamble, but always gets a lot of drugs into the test phase.

I don't think I need to say much about the buffers, as in my view these are the investments that remain stable or grow in difficult market phases when everything else is falling.

This gives you a little insight into my thinking and actions. Please don't tear it apart, I'm not a professional but I'm sacrificing some of my remaining free time to get a bit of an insight into the world of capital and maybe get a small slice.

I welcome any opinions and suggestions for improvement.

I wish everyone a successful week!

Best regards

Nils

$NOVO B (-0,2 %)
$NVO (-0,12 %)

• Global diabetes market to grow by 8%
• The obesity market is expected to grow by 15%

• By 2045, the number of diabetics is expected to increase by 250 million people

• Obesity in 10 years

Every 4th person in the world will suffer from obesity.

Every 2 people in the USA will suffer from obesity.

$LLY (+3,19 %)
$HIMS (-1,33 %)
$2B78 (-0,99 %)
$XDWH (-0,13 %)

$UNH (+1,45 %)
$XDWH (-0,13 %)

• Revenue: $113.2B (Est. $113.156B) ✅; +12% YoY
• Adj EPS: $2.92 (Est. $2.84) ✅
• Earnings from Operations: $4.3B; -50% YoY

Raises FY25 Guidance:

• Adj EPS: at least $16.25 (Est. $16.22) ✅
• GAAP EPS: at least $14.90

Q3 UnitedHealthcare (Benefits):

• Revenue: $87.1B (Est. $86.72B) ✅; UP +16% YoY
• Operating Margin: 2.1%
• Consumers Served (U.S.): 50.1M; +795k YoY

Q3 Optum (Health Services)

• Revenue: $69.2B (Est. $67.52B) ✅; UP +8% YoY
• Optum Health Revenue: $25.9B; flat YoY
• Optum Insight Revenue: $4.9B; flat YoY
• Optum Rx Revenue: $39.7B; UP +16% YoY
• Optum Rx Adjusted Scripts: 414M (407M last year)

Other Metrics:

• Operating Cash Flow: $5.9B
• Medical Care Ratio (MCR): 89.9% (85.2% a year ago)
• Operating Cost Ratio: 13.5% (13.2% a year ago)
• Net Margin: 2.1%
• Debt-to-Capital Ratio (9/30/25): 44.1%

Comment:

🔸 "We remain focused on strengthening our performance and positioning for sustained and accelerated growth in 2026 and beyond, and our results this quarter reflect the solid execution of this objective."

🔸 Amedisys transaction completed on August 14, 2025; ongoing investments to support future growth.

#earning
#quartalszahlen

$CVS (+0,07 %)
$ELV (-0,36 %)
$US60855R1005 (+0,26 %)
$OSCR (+3,87 %)
$CI (+0 %)

$NOVO B (-0,2 %)
$NVO (-0,12 %)

On Friday, the U.S. Food and Drug Administration (FDA) approved an expanded indication for Novo Nordisk's Rybelsus, the only oral GLP-1 drug. Based on the results of the SOUL cardiovascular outcomes study, the drug is now officially approved to reduce the risk of major adverse cardiovascular events (MACE) (such as heart attack, stroke or cardiovascular death) in adults at high risk for type 2 diabetes.

This makes Rybelsus the only GLP-1 pill approved for both primary and secondary cardiovascular prevention in this patient group.

This is a tremendous strategic success that adds a new, defensible level to the moat of Rybelsus. From a practical perspective, the barrier to starting injectable therapy for many patients with type 2 diabetes is enormous. This approval overcomes that hurdle and transforms Rybelsus from a simple diabetes pill into an essential, dual-action therapy that also protects the heart.

It provides Novo's sales team with an incredibly compelling, evidence-based reason to position Rybelsus not just as an alternative to their own injectables, but as a superior choice over an entire class of competing oral drugs that lack this cardiovascular data. This increases the overall value of the drug and should significantly accelerate its acceptance and market share gains.

This approval brings proven cardiovascular protection into a simple pill. This is a turning point for early and widespread use. The relative risk reduction of 14% in the SOUL study is both statistically significant and clinically meaningful. It allows doctors to tell high-risk patients that this pill not only helps with diabetes, but also actively protects them against heart attack or stroke.

For these reasons, the drug goes from being merely a "diabetes drug" to an essential, life-sustaining therapy, dramatically improving the likelihood that a patient will start and stay on treatment.

In my opinion, this is an important strategic success for $NOVO B (-0,2 %) which significantly extends Rybelsus' competitive advantage. The drug now has a strong, evidence-based marketing promise that no other oral GLP-1 can match. This approval transforms Rybelsus from a convenient alternative to injections to a stand-alone, best-in-class cardiometabolic therapy and gives physicians a compelling reason to prescribe it over other oral preparations without this cardiovascular benefit. This solidifies Novo's leading position in the overall cardiometabolic space.

PS: This is not the oral GLP1 variant which will be launched in 2026 before $LLY (+3,19 %) comes onto the market ✌️

$LLY (+3,19 %)
$HIMS (-1,33 %)
$XDWH (-0,13 %)

Hello everyone,

my third portfolio post and now I've drawn up my timetable. Preliminary info.... I've got a reasonable cash deposit with TR and a bit of gold waiting for me in the vault in case all else fails .... Well, you know what I mean.

I'm actually not too risk-oriented, which is why I want to continue to pay my 100 euros a week straight into savings plans. Dividends and overnight interest will also be reinvested. I would like to achieve an ETF/shares/crypto split of 60/35/5 for my portfolio.

To achieve this, I am currently no longer saving in individual shares. The money is now flowing exclusively into the $VWRL (-0,98 %) , $K0MR (-0,72 %)
$EUDF (+0,14 %)
$BTC (+1,42 %) and $ETH (+1,54 %) . I am also building up a small division with $XDWH (-0,13 %) as this has been very underrepresented so far.

Now it's time to hold out until the rebalancing is complete and then we'll see....

Maybe when I retire, I can round up the gold bars I've never used and simply hand the portfolio over to my children.... who knows?

What do you think of this idea?

Best regards Christian

$NOVO B (-0,2 %)
$NVO (-0,12 %)
$UNH (+1,45 %)
$MRK (+2,09 %)
$JNJ (+1,28 %)
$XDWH (-0,13 %)
$PFE (+0 %)
$LLY (+3,19 %)

I am curious to see how the European stock markets will react today, but with the RSI extremely oversold and I could well imagine a bounce at 300 Danish kroner.

Is anyone here trying their luck as a trader and is so tired of life with leverage? 😂

@Multibagger put another one on top ? Do you have a good certificate for that ?

$CNC (+0,96 %)

Next sale in the health insurance sector ?

🔹 Revenue: USD 48.74 billion (estimated USD 44.24 billion) ✅

🔹 Adjusted earnings per share: ( USD 0.16) (estimated USD 0.23) ❌

🔹 Health insurance ratio: 93.0% (estimated 91.6%) ❌ ; increase of +5.4 percentage points compared to the previous year

🔹 Total income from premiums and services: USD 42.47 billion; increase of 18% compared to the previous year

🔹 Selling and administrative expenses ratio: 7.1 %

Segment revenue:

🔹 Medicaid: USD 21.72 billion; increase of 7% compared to the previous year

Commercial: USD 10.07 billion; increase of 18% compared to the previous year

🔹 Medicare: USD 9.45 billion; increase of 58% compared to the previous year

🔹 Other: USD 1.22 billion; increase of 1% compared to the previous year

Other metrics

🔹 Cash flow from operating activities: USD 1.79 billion

🔹 Payability days for claims: 47 days

CEO comment:

➡️ "We are disappointed with our second quarter results, but have a clear understanding of the trends that impacted our performance and are working diligently and with focus to restore our earnings performance." - Sarah M. London

➡️ "Despite the changing landscape, we believe the staying power of Medicaid, Medicare and the Individual Marketplace is stronger than ever." - Sarah M. London

$UNH (+1,45 %)
$US60855R1005 (+0,26 %)
$CVS (+0,07 %)
$CI (+0 %)
$XDWH (-0,13 %)

$XDWH (-0,13 %)
$XLV (+0,37 %)
$CSPX (-1,21 %)
$VUSA (-1,22 %)
$UNH (+1,45 %)
$OSCR (+3,87 %)

According to Goldman Sachs, healthcare is the only sector in the S& P 500 that is cheaper than the 10- and 30-year averages.

This is an extremely attractive risk/reward ratio and the coming months will be exciting.

$ELV (-0,36 %)
$CNC (+0,96 %)
$DHR (-2,09 %)
$SRT (-2,74 %)
$LLY (+3,19 %)
$NOVO B (-0,2 %)
$NVO (-0,12 %)
$ISRG (-0,67 %)
$JNJ (+1,28 %)
$ABBV (-1,35 %)
$PFE (+0 %)
$SAN (-0,58 %)
$MRK (+2,09 %)
$BMY (+1,53 %)
$TMO (-1,22 %)

$UNH (+1,45 %)
$OSCR (+3,87 %)
$XDWH (-0,13 %)
$ELV (-0,36 %)
$LLY (+3,19 %)
$XLV (+0,37 %)

The US healthcare sector is experiencing its biggest crash in the last 20 years.

If the strong weighting no. 1 $LLY (+3,19 %) (over 12%), one would have to go back even further/longer. (probably before the existence of the ETF).

I have positioned myself strongly here as I believe this is a great opportunity.

I also believe that a lot of capital will flow into the sector in the coming months. ✌️

Do you have a similar view? ✌️

$UNH (+1,45 %)

$UNH (+1,45 %) has not experienced two consecutive years of negative returns since 1987.

Who is still invested here, who is buying, what are your assessments? 🤔

In my opinion, a lot of negative things are already priced in here.

• There is no evidence for the accusations
• Every accusation is contradicted and more openness is also suggested
• They are regularly reviewed and nothing negative has been found
• Bad "old" news is constantly being rehashed which has already been dismissed as unfounded and unproven
• CEO and other insiders have set an example by buying it
• $UNH (+1,45 %) is one of the largest employers in the US and also system relevant
• Medicare/Medicaid accounts for only 15% of revenue
• Outlook/expectations have already been reduced
• Historically high dividend yield of just under 3%
• Possible penalties already priced in in my opinion

yes, of course there is still downside potential, but the risk/reward ratio is already very attractive

The entire sector has similar ways of working and a decline/reduction in Medicare could $UNH (+1,45 %) as the top dog in the private sector could even play into its hands.

UnitedHealth Group $UNH (+1,45 %) has traded at the largest deviation from the S&P 500 price-to-earnings ratio since its IPO ...

This stock has literally NEVER been this cheap relative to the S&P 500.

Incredibly exciting to follow the story.

$CNC (+0,96 %)
$CVS (+0,07 %)
$OSCR (+3,87 %)
$HUM (+2,7 %)
$CI (+0 %)
$ELV (-0,36 %)
$XDWH (-0,13 %)