biopolymath3

Healthcare industry career, part time investor.

[ambassador of qwan @ambofqwan]

💡 “It’s not what you make, it’s what you keep.”
— Robert Kiyosaki

Most investors focus on total return. 📈
I focus on sustainable income. 💰

What I want from an income ETF is:
✅ ~7% annual capital growth
✅ ~28% annualized yield
✅ Tax-efficient distributions
IS THAT TOO MUCH TO ASK FOR??? 🫣💯😬

What I don’t want is a 35% total return that comes from slowly eroding the capital base.

Why?
Because a fund can maintain a high yield percentage while the value of the asset declines. Over time, that means fewer dollars of income being generated from the same investment. 📉

A 28% yield on a stable or growing asset is far more valuable to me than a 35% total return that shrinks the machine producing the cash flow.

The goal isn’t the highest yield.
The goal isn’t the highest total return.

The goal is to build an income-producing machine that pays me today, tomorrow, and years from now. ⚙️💵

Protect the asset. 🛡️
Grow the asset. 🌱
Harvest the income. 💰

[biopolymath3 @biopolymath3]

@felixprehn ANALYSIS

[liminal @Liminal1988]

Energy is the most attractive thing a person can have.

[Vaibhav Bodana 𑁍 @VaibhavSpace]

@ZoharAtkins Jevons Paradox insights 😛

[Monica @cmoncap]

Thanks for sharing! Say’s Law in action: supply creates its own demand. The sewing machine made people desire full wardrobes they never needed before. LLMs are doing the same for learning. They make polished essays and correct answers so easy that students now crave something different. They’re creating demand for three things we didn’t teach as urgently before: judgment, originality, and synthesis.

[biopolymath3 @biopolymath3]

Aqua and Manna are Bitcoin wallets to live on a Bitcoin standard.

[Cris Reed 🎙️Bitcoin Mindset Podcast @CrisReed]

My two favorite wallets right now

[Tyler Bosserm🅰️n @tyler_bosserman]

Do yourself a favor and read this over the weekend. Be prepared for your eyes to be opened and your mind to be blown. $ABCL has one of the best risk/reward profiles in the market. May it help us all attain generational wealth.

[ETF Tracker @TheETFTracker]

Here are the top 100 largest ETF providers in the United States 🇺🇸 ranked by Assets Under Management - ETFDB

BlackRock $4.45T
Vanguard $4.35T
State Street $1.84T
Invesco $916.91B
Charles Schwab $564.68B
JP Morgan $313.01B
Dimensional $287.23B
First Trust $264.17B
World Gold Council $188.02B
Fidelity $169.02B
VanEck $160.26B
Capital Group $138.52B
American Century Investments $133.54B
ProShares $124.57B
Mirae Asset $97.37B
WisdomTree $96.31B
Rafferty Asset Management $68.23B
Goldman Sachs $61.54B
Allianz $59.33B
Franklin Templeton $55.81B
Janus Henderson $42.17B
Pacer Advisors $40.28B
TFG Parent Holdings $35.52B
Innovator $33.44B
ETF Architect $33.31B
Prudential $30.67B
Northern Trust $27.98B
Neos Investments $26.70B
T. Rowe Price $26.33B
DWS $24.24B
Abrdn $23.13B
Victory Capital $21.54B
SS&C Technologies $21.53B
Digital Currency Group $20.99B
Amplify Investments $19.14B
Morgan Stanley $17.78B
TIAA $17.76B
BNY $17.62B
ARK Invest $17.03B
Manulife $14.73B
AllianceBernstein Holding $14.30B
Roundhill Investments $14.12B
Simplify $13.87B
Ameriprise Financial $12.33B
GraniteShares $12.02B
Principal $9.97B
BMO Financial Group $9.66B
Exchange Traded Concepts $9.04B
CICC $9.01B
F/m Investments $8.62B
Bondbloxx $7.75B
Deutsche Bank $7.60B
Hartford Insurance Group $7.58B
New York Life $7.27B
TCW Group $6.91B
SEI Investments $6.52B
Aptus Holdings $6.45B
Sprott $6.32B
AXS Investments $6.28B
Akre Capital Management $6.27B
Bitwise $5.93B
Virtus Investment Partners $5.92B
Marygold $5.63B
Defiance ETFs $5.56B
Harbor $5.30B
Grantham Mayo Van Otterloo $5.24B
Envestnet $4.66B
Bahl & Gaynor $4.49B
Tuttle Capital Management $4.42B
Main Management $4.27B
Eagle Capital Management $4.22B
AllianceBernstein LP $4.12B
Neuberger Berman $3.72B
Volatility Shares $3.62B
Cambria Investment Management $3.57B
Sun Life Financial $3.56B
iM Global Partner $3.54B
Inspire Impact Group $3.15B
BCP CC Holdings $3.04B
Calamos $2.94B
Angel Oak $2.90B
Motley Fool Asset Management $2.73B
Doubleline $2.69B
Brown Advisory $2.58B
Davis Advisers $2.51B
Federated Hermes $2.47B
Tidal Financial Group $2.26B
Groupe BPCE $2.24B
Barclays Capital $2.21B
Focus Financial Partners $2.07B
Thrivent Financial $2.06B
ACP Horizon Holdings $2.03B
Distillate Capital $2.02B
Themes ETF $1.96B
AdvisorShares $1.96B
Dawn Global Topco $1.93B
ORIX $1.90B
Tortoise $1.81B
Lazard $1.69B
Horizon Kinetics $1.65B

[The Market Mind @Market_Mind_]

The World's 100 Most Valuable Healthcare Companies

[Michael Eisenberg @mikeeisenberg]

This is the best thing you will read on the internet today and likely this week.

[BeatTheBotz @BeatTheBotz]

🚨 Emergency Funds Don’t Necessarily Have To Be “Dead Cash”

A Relatively Defensive Allocation Like This Could Generate Approximately:

• 8% Average Yield
• ~$4,000 Annual Income
• ~$333 Monthly Income
…On A $50K Emergency Fund

📂 Example Allocation Below 👇

[biopolymath3 @biopolymath3]

@IncomeETFDaily Wonder how this ETF will behave?

[Health Mogul @healthmogull]

This is genuinely the best and most useful peptide article on the internet right now.

By the end, you'll know more than 95% of people throwing the word "peptide" around.

[ZrowGz @zrowgz]

https://t.co/dp4NXT8XiF

[biopolymath3 @biopolymath3]

Got $ABCL AbCellera Biologics when I am having my lunch. Stock may rally tonight when I sleep.

[High Yield Hustle @HighYieldHustle]

$1,000,000 with the 4% rule = $40,000

$1,000,000 in $OVL = $105,000 annually.

Whats the tradeoff? It has to lose to the S&P right? Wrong.

$OVL wins on the 1 month, 3 month, 1 year, 5 year, and max timeframe.

Most people don’t know these funds exist. Don’t be most people.

[Craig Brockie @CraigBrockie]

A probiotic pill costs a dollar and contains dormant bacteria that stay asleep even after you swallow them.

If you take that pill and ferment it into yogurt, those billions of bacteria can turn into trillions.

This guy is putting up €1,800 to find out if this actually works:

[wesley hsieh @chengyenhsieh]

How to Get Started in AI for Bio Research:

Sharing this old post from Nathan (now Anthropic's Head of Life Science) with my personal takes.

I summarized some key takeaways below:

1. Study whatever is "lowest in the stack" (fundamentals), e.g., Computer Science, Physics, Applied Math.

2. ML learning resources (These are my personal suggestions):
CS231N from Stanford: https://t.co/4MLWULpZ5h
Probabilistic Machine Learning: https://t.co/Kgv3YNnJFM

3. Biology learning resources:
Machine Learning in Computational Biology (MIT):
https://t.co/CqXlaTw67T
DeepChem tutorials (Deep Learning for Life Science): https://t.co/qmyI9a5LCz

4. Networking advice:
Get warm introductions via cold emails, meetups, and conferences.
Reach out and build connections before you need something. Build a reputation for doing and sharing good work.

[Anil Patel @anilpatel]

"The premise required for the universe to function is the conservation of energy.

An object without energy is an image.
A person without energy is a ghost.
Money without energy is credit.

The cost to copy something is what creates scarcity. The idea of scarcity in money is that when money is conservative, everything else will be conservative. If money is non-conservative, the world goes insane.

The current problem is that there is no digital money—only digital credit. Politicians can create as much of it as they want, at any time, resulting in energy loss of anywhere from 10% to 90% a year.

For the first time in human history, we’ve invented a technology (Bitcoin) that allows individuals and corporations to bind economic energy to themselves.

This means you no longer have to suffer a premature and painful economic death."

—Michael Saylor