FinanceDoc

Everyone is focused on Eli Lilly right now… but as a doctor, I think Novo Nordisk is quietly setting up a comeback that most people are missing. By the end of this thread, you’ll see why 🧵 $LLY $NVO

@_StockMac_ That last sentence, is the key. Priceless.

Think it would have to be invested, guess it depends on the rate of the mortgage. (I don’t have one so bit alien to me😂) Longer term though & opportunity cost wise, certainly go with investing it as I’m sure the you’d generate more income then you’d save! Really depends on state of mind too, if you were to pay your mortgage off earlier - it would give you a peace of mind that is probably unmatched!

Good morning gang ☕️ You’ve already: ✅ Paid this month’s mortgage ✅ Made this month’s investments Then you pick up an extra shift and earn £300. What are you doing with it? A) Mortgage overpayment 🏠 B) Invest it 📈 Why?

Fair enough! Currently I’m also investing it, but a part of me knows that my body will only slow down and become more exhausted in the coming decades. Working full time, knowing mortgage is constantly over my head makes me feel incredibly uncomfortable. Hence thinking to possibly split between investing and over payment. I’ve got a comfortable amount invested altogether currently, happy for that to snowball whilst paying mortgage. Complicated man!!

I never have a set plan. Sometimes I invest in brokerage accounts. Sometimes I use it to take a trip. I currently have a pretty low interest rate and just haven’t decided to put extra payments down. Maybe one day I’ll want the peace of mind but not yet. What are you doing with extra money?

@PinguStacks Insane risk, good luckkk 😅

Time to rustle some feathers, this ones going to have a very divided opinion I can tell already 😂👀 Who's ready for some more transparency and insight into a degen gambler? 🤓 I have utilised £45,330 worth of debt via 0% CCs and low interest bank loans, to accumulate my current portfolio NW of £72,365, as of today's price 💰 3.54% effective interest rate across debt obligations ✅️ Effective 1.6x leverage on the balance sheet ⚖️ Short term obligation risk over the next 12 months stands at £8940, which will be paid off via cash injection and balance transfer offers 🔴 Home equity worth approx 35K due to be ready for deployment JUN 2027 to pay off remaining debt obligations, depending on current market dynamics 🏡 Cash flow per month approx £1000 after all essential bills and debt obligations, estimated 50% of this can be funneled into the market and/or overpayments, depending on currently conditions and tail risk 💸 I am essentially utilising the @saylor $MSTR playbook for my own investment portfolio, paying 3.54% for access to capital investments that I believe will have a higher CAGR than the monthly interest accrued 🪙 No margin call, no liquidation risk, clear plan in place for short and medium term obligations 🤷‍♂️ Flexible cash flow to balance leverage profile moving forwards 💪 If $BTC returned to ATH by DEC 2028 as a realistic estimate, I anticipate a 300% increase on holdings, due to exposure via leveraged $BTC plays within my ISA 📈 With additional capital at £500 a month till DEC 2028, this would result in a projected figure of £325,460 🤑 This would be absolutely life changing money for me. It almost seems too crazy to imagine, but the math checks out 🤔 Ultimately, due to the house sale equity and my stable well-paid career, I believe this strategy has a near zero percent probability of total collapse 0️⃣ If $BTC doesn't recover, I'll take it as a loss, pay off all debt by mid next year, and still not be forced to sell a single position 👌 If $BTC does reclaim ATH within the next few years and I stay the course, I will have created generational wealth for myself 👨‍👩‍👦 Time will tell whether this was the best strategy of my life, or a major bump to my long term compounding ability ⏳️ Do as I say, not as I do... I am not recommending anyone else do this, but I know my own risk tolerance and belief in $BTC 😌 Has anyone else considered utilising cheap debt to invest? ❔️ Leave your thoughts below - let the chaos ensue 😂 Over n out 🫡🐧

@robunhedged Also I appreciate our discussion, it was insightful and meaningful - I’ve dropped you a follow brother, let’s stay connected 🤝 Have you got eyes on any other healthcare stocks ? On my page I’ve explored a few, including RVMD! 👀

Thanks for the thoughtful reply. This is exactly why I’m posting about it, to learn and stress test the thesis. I completely get your point on CagriSema. My broader view is just that $NVO ’s thesis doesn’t necessarily rely on it winning, especially with how strong oral Wegovy looks out of the gate, and if amycretin keeps developing well. Out of interest, would you model CagriSema as basically a niche product now, or still meaningful but below original expectations?

$NVO I am not convinced CagriSema matters quite as much as certain bears would have you believe. Yes, Novo needs next gen drugs. Yes, CagriSema was supposed to help defend the franchise against $LLY. But I think the market is over-weighting its significance. Many patients using obesity drugs may not need the most aggressive weight-loss option available. For a mass-market obesity treatment, I don’t think the winner will simply be the drug with the highest headline weight-loss number. It is probably the drug with the best mix of: • enough weight loss • safety • tolerability • convenience • adherence • access • long-term outcomes That is why Wegovy still matters. That is why oral Wegovy may matter even more. A pill that delivers “good enough” weight loss with strong uptake will be more commercially important than a stronger injectable aimed at patients needing deeper weight loss. CagriSema is still useful. It gives Novo another pathway, another patient segment, and one possible bridge across the semaglutide cliff. But I don’t think Novo’s entire future depends on it becoming the undisputed obesity king. The bigger question is whether Novo can build a portfolio of: Wegovy injection Oral Wegovy Higher-dose Wegovy CagriSema Amycretin new indications for existing pipeline future licensed assets If that portfolio holds together, CagriSema does not need to carry the whole Novo thesis. It just needs to be one useful piece of the bridge.

Hi Rob, I’ve realised I forgot to attach my post in the last comment, please find it under this comment - my thoughts on CS. In response to your above question - very interesting question! I think overall CS failed it’s intended purpose. If the trial was successful (or arranged better!), one could argue CS is a candidate for injectables, instead of Tzp for instance- first line. There is no rationale for choosing it over Tzp - the market knew that, hence dropped post trial results. HOWEVER, After discussing with a lot of people in the comments section yesterday, it seems apparent CS could have a role in this weight loss space, which I will be making a post - keep an eye and share your thoughts!

@V15Jay Morning Jay! I’ve just seen your latest post about Broadcom… Market is so harsh man! What’s your thoughts on the question above btw ?

@FinanceDocUK GM☕️

@V15Jay That was a nasty hit 🫠

🔴 $AVGO is down -12.9% after latest earnings report‼️ The company reported a top-line revenue of $22.19 billion, exceeding the expected $22.13 billion, and a bottom-line adjusted EPS of $2.44, surpassing the projected $2.40. The market is expecting Tech companies to beat expectations with significantly higher margins every quarter‼️ Are investors overreacting???

@V15Jay Image is legendary 🤣

Good Morning Investors☕️ $SCHD “No matter how great the talent or efforts, some things just take time. You can't produce a baby in one month by getting nine women pregnant.” Warren Buffett $META

@MsVeilMoney Popular option! The thought of working so hard until your 50s consistently… makes me a bit nervous! What if your body gets tired and exhausted? Can you still do full time in your late 40s ?

@FinanceDocUK Good morning 🌅 Option B - invest Because I love my future self and family 😍💓

@wealthr_uk @HatedMoats Usually good news is met with 📉 Pleasant surprise 😅

@FinanceDocUK @HatedMoats Good news! $NVO 🚀

🚨 NOVO NEWS Novo Nordisk may be days away from opening the next chapter of the obesity market in Britain: Wegovy Pill. The News According to the Daily Mail, the UK’s MHRA could approve the oral Wegovy pill within days. $NVO's semaglutide obesity drug is already approved in the US and recently launched in the UAE. The key point is that approval wouldn't mean immediate NHS access. NICE would still need to assess cost-effectiveness before any broad NHS rollout. But private access could come much faster. Verdict: Bullish for Novo Not really because this catches up to $LLY overnight, but because it keeps expanding the addressable market, improves patient optionality, and gives Novo a much-needed narrative weapon in the GLP-1 race. Your thoughts?

@MelnixInvest Morning brother, haven’t met you in the TL before 🤝 Okay fair enough, makes sense! Bitcoin? 👀

@FinanceDocUK GM, nice to meet you. Generally the extra money in the first place I put in a monetary etf that gives daily interest, Waiting to be allocated. In addition, I often buy assets like pokemon cards, etc.

@JHWealthSystems Seems to be a popular option!

@FinanceDocUK Invest with these markets. I have a low rate mortgage fixed in.

@_StockMac_ Morning Mac - ^ what would you do?

@FinanceDocUK GM Doc, have a good one!

@harjaim You’d have to work for a very long time…

@FinanceDocUK You can always clear the balance in your 50s from your invested corpus. That is my exact strategy: let the capital compound for as long as possible, knowing I can always pay off the mortgage instantly from my portfolio if the need arises

@AshyCompounds Let’s do it brother!

Good morning all and happy Friyay. Let's finish the week strong 💪. Have a good one all!

@harjaim I don’t want to be in my 50s paying off my mortgage In my late 40s I don’t know if I’ll have the same energy to continue working as this same rate A part of me wants to be debt free, whilst also investing, fairly quickly!

@FinanceDocUK I’ll just invest every extra penny. Mortgage is generally the cheapest money we’ll ever get, unless you’re on a newer or variable rate well over 5%. Otherwise, let it compound!

@BRCTrades99 It’s the REDEFINE 4 trial Novo arranged a trial - H2H vs LLY It’s next gen med vs LLYs Tzp Results: ⬇️

@FinanceDocUK Thanks mate! I’ve read about it briefly but would need to look into more before forming too much of an opinion.

Morning all! Today’s view. $NVO infographic coming later this evening 🚀 What’s the weather like back in the UK?

@PinguStacks Such a low rate, wow! The peace of knowing you’re debt free and won’t have to work till your 50s to pay it off - is invaluable however 😅

@FinanceDocUK Invest, you know me 😂 Mortgage is at 2.59% right now, it's a no brainer... would even do better in a HYSA than overpaying 🫡

@SOUKCOMMUNITY @EllaGraceEdge_ The bigger picture 📈

a volatile week - but if in doubt, zoom out

@robunhedged @Idomeneus_OG Apply the same logic to LLY: >Imagine Reta failed to show superiority versus Wegovy injection >In a trial made by LLY Would you still be advocating for Reta? It’s important to be realistic, you’d naturally think LLYs next gen flopped.

I agree, tolerability is likely a bigger issue for people than headline weight loss. That’s actually the point I’m getting at really. In a chronic obesity mass-market treatment, the best overall profile may matter more than max weight loss. I think oral wegovy is looking really strong there, which is why I don't think CagriSema needs to carry the thesis on the stock price recovery.