Core Insights - The article discusses the investment strategy and performance of BAD BEAT Investing, particularly focusing on UnitedHealth Group Incorporated (UNH) and its management changes in 2025 [1]. Group 1: Company Overview - UnitedHealth Group Incorporated (UNH) has experienced significant management shifts and miscalculations in expected usage and costs [1]. Group 2: Investment Strategy - BAD BEAT Investing emphasizes short- and medium-term investments, income generation, special situations, and momentum trades [1]. - The investment group aims to educate investors on market dynamics and provide well-researched trade ideas weekly [1]. - They offer various resources, including chat rooms, daily analyst summaries, and options trading education [1]. Group 3: Performance and Track Record - BAD BEAT Investing has a proven track record, being 95% long and 5% short on average since May 2020 [1]. - The group has been active in sharing investment opportunities for nearly 12 years, with a notable call to sell everything and go short in February 2020 [1].

Core Insights - The article discusses the investment strategy and offerings of BAD BEAT Investing, particularly focusing on UnitedHealth Group Incorporated (UNH) and its recent management changes and miscalculations in expected usage and costs [1]. Group 1: Company Overview - UnitedHealth Group Incorporated (UNH) has experienced significant management shifts and challenges in accurately modeling expected usage and costs in 2025 [1]. Group 2: Investment Strategy - BAD BEAT Investing emphasizes short- and medium-term investments, income generation, special situations, and momentum trades, aiming to educate investors on proficient trading [1]. - The investment group has a proven track record, having been predominantly long since May 2020, with a notable call to sell everything and go short in February 2020 [1]. Group 3: Benefits of BAD BEAT Investing - Members receive in-depth research, clear entry and exit targets, and access to multiple chat rooms, along with daily summaries of key analyst upgrades and downgrades [1]. - The program also includes education on basic options trading and extensive trading tools to enhance investor proficiency [1].

Core Viewpoint - UnitedHealth (UNH) was one of the worst performing financial stocks of 2025, down nearly 35% for the year, significantly underperforming the S&P 500, which achieved a solid gain [1] Company Performance - UnitedHealth's stock performance in 2025 was notably poor, with a decline of almost 35% [1] - The company's performance starkly contrasted with the S&P 500, which managed to post gains during the same period [1]

JP Morgan Presentation January 2026 1 Today's Speakers 2 Pete Anevski Chief Executive Officer Melissa Cummings Chief Operating Officer Katie Higgins Chief Commercial Officer Mark Livingston Chief Financial Officer Safe Harbor Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. We intend such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements co ...

Financial Results Announcement - The Cigna Group will release its fourth quarter 2025 financial results on February 5, 2026, by 6:30 a.m. Eastern Time (ET) [1] - A conference call to discuss these results will take place at 8:30 a.m. ET on the same day, with participants encouraged to join by 8:15 a.m. ET [1] - The call can be accessed via domestic and international numbers, and a replay will be available from 12:30 p.m. ET on February 5 until 10:59 p.m. ET on February 19, 2026 [1] Investor Relations Information - A copy of the news release and financial supplement will be available on The Cigna Group's website in the Investor Relations section by 6:30 a.m. ET on February 5, 2026 [2] Company Overview - The Cigna Group is a global health company focused on improving health outcomes and maintaining approximately 180 million customer relationships worldwide [3] - The company operates under various brands, including Cigna Healthcare and Evernorth Health Services, and has a presence in over 30 markets [3]

Core Insights - Investing in healthcare companies can provide both financial returns and ensure these companies are well-funded for future needs [1][2] - The rising demand for healthcare services, driven by increasing household wealth, is likely to lead to higher prices in the sector [3] - Many healthcare companies offer attractive dividends, making them appealing as income-producing assets [4] Company Highlights - GlaxoSmithKline (GSK) has evolved from a specialist in gastrointestinal ailments to one of the top 10 vaccine manufacturers globally, also focusing on drug-resistant superbugs [5] - GSK's spin-off of its Haleon consumer healthcare business allows shareholders to benefit from both segments, with Haleon focusing on oral healthcare and over-the-counter products [6] - Smith & Nephew has a strong presence in consumer healthcare, particularly in orthopaedics, which is expected to grow due to an aging population [7] - Abbott Laboratories offers a diverse range of products, including infant formula and diabetes management solutions, catering to various age groups [8] - Haw Par, known for its Tiger Balm brand, and Reckitt, with products like Nurofen, are also significant players in the consumer healthcare market [9] Market Trends - DFI Retail's shift from low-margin food retailing to focus on 7-Eleven and Guardian pharmacies highlights the higher revenue potential in regulated pharmacy businesses compared to supermarkets [10] - IHH Healthcare operates a large network of upscale hospitals, generating stable revenue, although cash flow can be inconsistent [12] - Parkway Life Real Estate Investment Trust, a major healthcare landlord in Asia, provides a reliable income source by managing hospitals and nursing homes [13] - Health insurance companies, such as AIA and Prudential, play a crucial role in risk management and can invest premiums to generate returns before claims are paid out [14][15] Industry Outlook - The healthcare industry is continuously evolving, with companies needing to adapt to changing consumer demands to remain relevant [15] - Many established healthcare companies have a long history of producing valued products, suggesting they are likely to endure for many more years [16] - A healthcare REIT has secured rental escalations until around 2042, indicating strong income visibility, which is rare in today's market [17]

Paramount and Warner Bros. Discovery - Paramount Skydance plans to nominate directors to Warner Bros. Discovery (WBD) and has filed a lawsuit in Delaware for basic information, emphasizing the need for Warner shareholders to make an informed decision regarding its bid versus the current deal with Netflix [3] - Paramount also proposes a bylaw amendment requiring WBD shareholder approval for any separation of Global Networks, indicating a strategic move to influence WBD's governance [3] Netflix Acquisition Odds - Despite political pressure from President Trump against Netflix's potential control over WBD, the odds of Netflix acquiring WBD remain stable at 54% on Kalshi and 53% on Polymarket, reflecting market confidence in the acquisition [4] Credit Card Issuers - Credit card issuer stocks are experiencing a decline following President Trump's proposal for a one-year cap on card rates at 10%, with notable declines in stocks such as Capital One, Synchrony Financial, Bread Financial, and American Express [8] UnitedHealth and Medicare Advantage - UnitedHealth shares are down after a Senate committee reported that the company used "aggressive tactics" to enhance payment-boosting diagnoses for its Medicare Advantage members, although the stock has recovered slightly after the company reaffirmed its outlook [9] Eli Lilly and Nvidia Partnership - Eli Lilly is partnering with Nvidia to establish an AI co-innovation lab in the San Francisco Bay Area, focusing on using AI to accelerate drug discovery, with plans to invest up to $1 billion in talent and infrastructure over five years [10]

Core Insights - Health care is a primary concern for older adults and retirees, driven by both the uncertainty of medical conditions and the complexity of the American health care system [1][2] Group 1: Public Sentiment - Approximately 60% of adults are "very" or "somewhat" worried about affording health care services [2] - Many adults find it challenging to navigate the intricate public and private medical insurance systems in the U.S. [2] Group 2: Importance of MAGI - The modified adjusted gross income (MAGI) is a crucial metric for determining monthly premiums for health care, especially for retirees in their 50s and early 60s [3][4] - Under the Affordable Care Act (ACA), health care subsidies are primarily based on MAGI rather than actual cash income or spending [5] - Strategic planning around MAGI can potentially reduce monthly health care costs to $0 [5] Group 3: Income Sources and MAGI - MAGI includes wages, interest, capital gains, and withdrawals from traditional pre-tax retirement accounts, but excludes certain income sources like savings, tax-free securities interest, gifts, and Roth IRA withdrawals [6] - By strategically managing withdrawals from various income sources, individuals can maintain a lower MAGI while preserving their lifestyle [7]

Corporate News - Walmart (WMT) shares increased by approximately 2% after the announcement that it will replace AstraZeneca (AZN) on the NASDAQ-100 index effective January 20, reflecting Walmart's shift towards a more technology-focused operation [4][8] - UnitedHealth (UNH) experienced a decline of 1.9% following a Senate report that revealed the company's aggressive tactics to enhance Medicare payments, which the report criticized as turning risk adjustment into a business [4][8] Earnings Projections - The Q4 2025 earnings season is underway, with S&P 500 earnings per share (EPS) growth projected at 8.3%, primarily driven by a robust 25.9% increase in the Technology sector [4][8] Geopolitical Developments - The Greenland government reaffirmed its strategic alignment with the Western Defense Alliance, emphasizing that its defense will be under NATO auspices, which is a common interest for all member states, including the United States [5][8] Market Overview - US equity markets opened lower, with the Dow Jones down 0.62%, the S&P 500 falling 0.43%, and the Nasdaq dropping 0.39%, primarily due to concerns over Federal Reserve independence [2][8] - The rise in long-term Treasury yields and a weaker dollar were noted as consequences of fears regarding the prosecution of Fed Chair Jerome Powell, which analysts suggest could lead to a more hawkish monetary policy [3][8]

Core Viewpoint - UnitedHealth Group (UNH) is facing increased scrutiny from federal agencies and lawmakers regarding its nursing home practices and Medicare Advantage oversight, particularly after reports of delayed or denied hospital transfers leading to senior deaths [1][2]. Financial Performance - UnitedHealth has a market value of approximately $311.6 billion and offers a forward annual dividend of $8.84 per share, yielding 2.53% [3]. - The company's stock closed at about $343.98, reflecting a year-to-date increase of 4.2% but a significant decline of 34.42% over the past 52 weeks [4]. - In the third quarter of 2025, UnitedHealth reported consolidated revenue of $113.2 billion, marking a 12% year-over-year increase, with adjusted EPS of $2.92, exceeding estimates by 6.18% [5]. - The UnitedHealthcare unit generated $87.1 billion in revenue, up 16% year-over-year, serving 50.1 million consumers, an increase of 795,000 [6]. Regulatory Environment - Federal agencies are intensifying audits of Medicare Advantage contracts and billing, indicating a stricter approach towards private insurers and their managed care practices [2]. - The ongoing investigation by Senators Elizabeth Warren and Ron Wyden into UnitedHealth's nursing home practices highlights the potential regulatory risks that could impact the company's long-term stock performance [1][3].