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Recent Articles
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UnitedHealth Group Raises Full Year 2025 Earnings Outlook
Oct 28, 2025
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Image Source: TradingView.
UnitedHealth Group continues to work through an elevated cost environment: “The year-over-year increase (in the medical care ratio) of 470 basis points was primarily driven by the previously described significantly elevated cost trends, as well as the ongoing effects of the Biden-era Medicare funding reductions and changes to the Part D program from the Inflation Reduction Act.” Looking to 2025, UnitedHealth Group raised its adjusted earnings guidance to at least $16.25 per share. We continue to include UnitedHealth in the newsletter portfolios.
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What Is Gold Really Worth?
Oct 28, 2025
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Image: Gold prices have surged since 2020, and they recently hit an all-time high.
What is the yellow metal really worth? Let's discuss the greater fool characteristics of the price of gold.
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Thinking Slow: 3 Research Blind Spots That Changed the Investment World
Oct 28, 2025
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Image Source: EpicTop10.com.
We have to be on high alert about how our minds work. PBS recently delivered a four-part series examining how easily our minds are being hacked, and why it is so important to "think slow." When it comes to the active versus passive debate, does the analysis suffer from parameter risk? With respect to empirical, evidence-based analysis, does the analysis have the entire construct wrong? When it comes to short-cut multiples, are we falling into the behavioral trap of thinking on autopilot?
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Your Role as a Choice Architect
Oct 28, 2025
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Image: Impact Hub Global Network.
Richard Thaler in his groundbreaking book Nudge, co-written with Cass Sunstein, talked about the role of the choice architect. A choice architect is basically someone or some organization that has the responsibility for organizing the context and content in which people make decisions. At Valuentum, we can never provide personalized buy/sell advice, but in providing publishing services, we've opted for the healthy option for members, and that sometimes means you won't find a large selection of dessert options. This isn't a shortcoming of our service (i.e. we know desserts are tempting), but rather a key positive attribute. As we've shown time and time again, you don't need to look far to beat the market return (or, by comparison, to have a healthy diet). If something is not on the menu at Valuentum, it means the chef has something better cooking in the kitchen. Here's to your long-term financial health!
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