UNH... what a mess. And a jaw-dropping move from Elon.

Author

Pete Tan
May 22, 2025

Quick check-in before we go live tonight — there’s a lot happening in the markets right now, and I wanted to share two very different stories. One is a clear red flag. The other? A glimpse into the future.

⚠️ One stock I’m actively avoiding

UnitedHealth just popped up again in the headlines — this time with reports that they’ve been involved in financial incentives tied to reducing hospital transfers.

If that sounds murky... it is.

Now, I brought this company up a few weeks ago during a webinar — not because of headlines, but because something wasn’t sitting right. The structure, the silence, the timing. And what do you know?

Since then, the stock has fallen nearly 30%.

If you took the bearish setup back then — maybe a short, maybe a put — you’re likely smiling today. If you held on thinking “it’ll recover,” well... I hope you're reconsidering the thesis.

My view? This isn’t just a UNH problem. When stuff like this gets exposed, it's rarely the only company doing it — just the first one caught.

So while everyone else is thinking about dividends, I’m thinking about what else might be hiding under the hood. UNH gets a hard “pass” from me, and I’d treat similar insurers with caution.

🤖 Meanwhile, Elon’s back… and not with cars this time

Now for something on the other end of the spectrum — Tesla just gave us a look at what might be their most underrated breakthrough yet.

Everyone’s talking about robotaxis and licensing FSD (which is happening). But what’s gone mostly under the radar is this:

Optimus — Tesla’s humanoid robot — is now learning by watching videos.

Think about that for a second. Not programmed step-by-step. Not limited to factory repetition. This is observational learning, the kind that humans rely on every day to tie our shoes, fix a leak, or cook a new dish.

If Tesla nails this, we’re not just talking about smarter robots. We’re talking about a new class of workers — machines that adapt, reason, and maybe even create.

And sure, Elon’s polarizing. But as investors, the job is to see the opportunity — not the personality.

$344 a share might feel expensive now… until it doesn’t.

💬 Want to explore how we turn market moves into actual income?

That’s exactly what I’ll be covering tonight — live at 9PM SGT.

📌 Topic: Generating Income with Options
We’ll go through:

  • A conservative income strategy for stability

  • A more aggressive approach if you want juice

  • How to decide what fits your personality and goals

🖥️ This session will be on Zoom (better experience for everyone)
But note — limited slots, so be punctual (or be early!).

Hope to see you there —
We’re building strategies that don’t just survive the market... they thrive in it.

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Happy Hunting!

Pete
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🚨‼️ By the way, I’ll never PM anyone on telegram or any other social media platforms. If you receive any “Pete” messaging you, these are scammers impersonating me. Pls beware!

The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that while Pete is a portfolio manager, the opinions expressed in this newsletter are his own and do not represent the views of any organization. Always perform your own research and due diligence before investing.