저자: 미상 · 외국인
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워런 버핏 실적 부진과 보험업 파괴 가능성을 다룬 영상으로, 발표자는 레모네이드(LMND) 보험 모델이 기존 보험업을 대체할 수 있다고 주장한다. 발표자는 버핏의 은행·신문·에너지·소매·보험 사업이 디지털 기업에 의해 와해되고 있으며, 보험이 마지막 남은 영역이라고 본다. 발표자는 일루미나(ILMN) 보유 물량을 일부 매도했다. 400주 보유 중 약 300주를 평균가 227달러 부근, 현재 375달러 부근에서 정리했다고 설명하며, 해당 가격대를 강한 저항선으로 본다. 펀더멘털 문제는 없다고 말한다. 정리 자금은 레모네이드에 재투자한다고 밝혔다. 레모네이드는 보험료의 25%만 수수료로 받고 나머지로 보험금을 지급하며, AI로 사기를 탐지해 대부분 하루 내 지급한다는 구조를 강조한다. 레모네이드의 손해율은 2017년 대비 2018년 절반 수준으로 낮아졌고, 독일·네덜란드로 확장 중이라고 설명한다. 발표자는 시장점유율 0.1% 미만인 점, 고객 수 급증, 리뷰 점수를 긍정적으로 본다. 다만 발표자는 레모네이드가 단기적으로 3배 상승하거나 급락할 수 있다고 인정한다. 투자 기간은 최소 7년으로 보며, 구체적 목표가는 제시하지 않았다. 가격 기준으로 89, 169, 49달러 부근의 매수 주문을 언급했다. 발표자는 IPO 이후 주가 급등을 설명하며 비욘드미트, 니콜라, 테슬라와 비교했다. 저가·편리성·확장성이 파괴적 혁신 기업의 조건이라고 주장한다. 영상 전체에 특정 종목의 1~3개월 가격 방향에 대한 명시적 예측은 없다.
다듬은 글
hi friends the world is always changing do you agree with me that if you don't keep up you're just going to be left behind Warren Buffett performance has been pretty lackluster and underperforming the index for years and years he hosts mainly banks newspaper energy retail and insurance things are being disrupted by companies like square who is newspaper now energy harjeet good luck with dirty energy retail we have like Amazon crashing the entire retail sector then only thing he has left going now is insurance guess what it's gonna go to so in this video I'm going to talk about the destruction of insurance and industry and change for hundreds of years frankly I didn't think this day would come for a long time it's not every day that I come across a company that can fundamentally change the world I saw the make moves like that but when I do it really has to check out the entire industry I saw most of my Illumina stock and initiate a position in this from my other portfolio video you have known that I have owned 400 shares of Illumina and my average price was at about 227 right now is 375 right now I'm down to 100 shares means I saw 300 shares away if you look at the chart my entry was around 200 plus year and the stock price has seen such until here to me this is a very high resistance point if you look at this stock over the longer term you'll notice that this is the high point and this is a major major resistance so right now I'm just going to take churches of nothing's wrong fundamentally with the company also I think this is my itchy fingers portfolio and the remaining stuff over here is as good as free for me because I've made so much money on the way up I'll just leave one hundred on the table I don't care whatever happens I'm going to redeploy capital to this company called lemonade do watch the end of the video where I show you my plates on how I'm deploying my capital to this company called lemonade firstly I need to say not all disruptive innovative stocks are the same I need to see cheaper better faster more productive ability to skill and barrier to entry I need a binder ruku 0-2 you select zoom etc for various reasons the instruction cannot be just 20% better it has to be lips and bound better people hate change so 20% is not going to do it for example let's say you have the best partner ever if a temptation comes along if it's just 20% better you will really like think twice or Trice temptation has to be like hundred percent better in many ways from being hundred percent better-looking a pleasant personality all smell that makes your heart melt and a kiss that makes your lips so soft you seriously start thinking okay I'm kidding that is like the worst analogy ever by the way appreciate a thumbs up it really helps a lot for YouTube to reach more people thank you let's talk about some examples like beyond me since IPO the stock price has searched so why did I invest in beyond meet the mission is one of the best missions in the world which truly means the world to me they proven that they can skill everything but one point price for method option price is probably the highest in that order the only stuff is really expensive it is cheaper than me I will invest in that stock if you look at Nicola I seriously have no doubt you'll have their trust me though I keep slamming them I had no doubt because they are raise a billion dollars from the capital markets a billion dollars is really you money you can do almost anything you want to do with that kind of money but fundamentally Nicola products are more expensive and more complicated so I know the demon will be low price is important in disruption people are not dumb white Tesla disrupts Islamic has faster cheaper and little or no maintenance it has to be like a no brainer to switch it has to be so super no brainer my donkey understands so now let's talk about insurance the whole insurance industry has been around for hundreds of years the companies that dominate the Fortune 100 top of them insurance companies with an average age of 125 is about time for disruption insurance companies are paid to do with when you look at the insurance structure now you have the customer and you have the company the customer pays and pays and pays yeah at some point something's bad gonna happen so what does the company do they have to pay us back however insurance companies have their own financial incentives what do they prefer to pay or not pay it's not that they are evil but if they don't pay somebody's bonus got to get higher the structure creates a fundamental bias when you are getting paid more for rejecting claims it is hard not to reject more claims based on the current structure is designed to fail conflict of interest mistrust and dishonesty on both sides anything we do or anything I do for example after running so many companies the structure has to be strong for the company to withstand the test of time for example why am I the only financial channel I know of not promoting or selling you causes etc so when I do that I am financially incentivized to be buyers and that is bad for you I may promote you a shitty product or withhold information from you and give it to my premium members so anything I do in life the structure the foundation has to be strong if it's a little weak over time the small cracks in the structure will destroy the entire system how does lemonade insurance work the first thing I did was changed a structure for every $10 you pay they will take a flat fee of 25% the remaining 75% will be used to pay the claims any remainder will go to the charity of your choice I repeat for every ten dollars you pay lemon lit only takes a flat fee of 25% that's all the remaining $7.50 will go to pay claims and if there's any remainder again it goes to charity this way lemonade will not be financially biased because of the flat fee and you'll find yourself more honest because it hurts the charity of your choice lemonade uses AI to detect fraud and pay claims within seconds and mostly within a day yes there will be idiots trying to gain the system but the AI it's better over time like oai and do you get data you cannot get an expectation of pricing risk reliability what you want to see is progression as the data accumulates laminate needs to see a loss ratio reduction the loss ratio in 2018 was half of what it was in 2017 and Noble year losses are reduced as the AI get smarter there is time to recognize patterns just like all AI application it gets exponentially better over time doing a better job than humans buying insurance from laminate is easy use of smart phone and chat with the AI chat board the process is just a few minutes for claims it is done the same way 30% of claims are settled in seconds by the AI if unheard of in the insurance world for a company to succeed over the long term they need raving fans to insurance companies with raving fans it's like a job when it almost never happens laminate reviews are crazy high for such a small company with less than 0.1 percent market share I have two criterias that must be fulfilled when I invest I say this multiple times do you remember proof of concept and ability to skill both check limini has been around for three years and you see their customers like doubling every year the reason why there's no quarterly results here is because they just IPO so a lot of data is not available however you look at the revenue the revenue is also increasing the income is either lost because it is normal for a new static company to face losses when they just started what you want to focus more on is increasing revenue and increasing customer base just recycle a little the reason 1 using high purchase is the normal platform where you get data for companies like this you will not be able to see things like customers and in a case of Tesla do show you like delivery numbers they actually go one step further by digging for numbers instead of automating the numbers out so and this really takes a lot of effort this is not sponsored and I appreciate the little things that people do so laminate has expanded to Germany and Netherlands it shows scalability to using AI is a lot more scalable instead of hiring a huge workforce like laminate cuts away the middlemen the broker in minimize administration and legal work is so much more scalable the only downside I see is the same problem your face x-square regulations every new territory is a better and dealing with regulators is really a paint concluding this video I rethought I wouldn't find another disruptive innovative company for a long time investing in laminate is not for the short-term investors the stock could very well triple or come crashing down in the short term like all disruptive companies the timeline is around seven years minimally so there's no price targets here look how long Amazon and Tesla took seven years for me my entry into this talk is that three different levels one at 89 169 and the other one at 49 in my brokerage I said are good to cancel order and if it triggers it triggers if it doesn't I don't care let's stop just IPO and it's gonna be another like five to ten years for me the structure is strong and the management is good now I just need time to let my investment thesis to work out appreciate those who help me the thumbs up I really hope you learn a lot in this video your actions really contribute so much to this channel and as always invest see
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