Can anybody please analyse and give me their opinion on my portfolio. Please note that I am 17 years old can save approximately 2k a year. Its gonna be a long read but thanks for taking the time.
Current allocation:
Howard Hughes : 22%
Brookfield (BN) – 21.6%
Intuit (INTU) – 13.3%
Uber (UBER) – 10.0%
UnitedHealth (UNH) – 7.6%
Oracle (ORCL) – 3.9%
Lexicon Pharmaceuticals (LXRX) – 2.5%
ServiceNow (NOW) – 2.3%
Upstart (UPST) – 1.1%
Cash – 15.5%
My thesis on each holding:
Howard Hughes Holdings (HHH) — trading at a significant discount to estimated net asset value despite owning some of the highest-quality master-planned communities in the U.S. (Summerlin, Bridgeland, Teravalis) and the Ward Village development in Hawaii. The market is focused on near-term real estate concerns and higher interest rates, while largely ignoring the long-duration value of its land portfolio. With Bill Ackman now heavily involved and pursuing a Berkshire-style capital allocation model, HHH looks like a classic Lynch-type opportunity: an understandable business with valuable assets, temporary negative sentiment, and substantial upside if management executes well.
Brookfield (BN) My biggest position. I think the market still doesn't fully value the asset management business plus the ownership stakes in infrastructure, renewables, real estate and private equity. Fee-bearing capital keeps growing and management has a long track record of compounding capital. Looks cheaper than most alternative asset managers on a long-term basis.
Intuit (INTU) Not cheap on traditional metrics, but I think it's one of the highest-quality businesses in the world. TurboTax, QuickBooks and Credit Karma have strong moats and high switching costs. Revenue growth has been very consistent and free cash flow margins are excellent. I see this more as a compounder than a value play.
Uber (UBER) The market used to treat Uber like a cash-burning tech company. Now it's producing meaningful free cash flow and benefiting from network effects in mobility and delivery. I think margins still have room to improve as scale increases.
UnitedHealth (UNH) The recent selloff is why I bought it. Healthcare isn't going away, and Optum remains an incredible asset. There are obviously regulatory and reimbursement risks, but the valuation is much lower than it has historically been.
Oracle (ORCL) I think the market underestimated Oracle's cloud business for years. OCI growth has accelerated and large AI/cloud contracts are starting to move the needle. Not as flashy as other tech names, but I think it has a better risk/reward than many mega-cap software companies.
Lexicon Pharmaceuticals (LXRX) Small speculative position. The thesis is mainly around Sotagliflozin and the possibility that the market is undervaluing future commercial success. High risk, but position size reflects that.
ServiceNow (NOW) Another high-quality compounder. Strong recurring revenue, high retention and a mission-critical product. Expensive, but I think the business quality justifies a premium valuation.
Upstart (UPST) Tiny speculative position. If AI-driven underwriting eventually proves itself through a full credit cycle, there could be significant upside. If not, the position is small enough that it won't hurt the portfolio much.
Please note this next part was made thanks to claude as I didn't feel capable to explain what i plan to do with my cash.
What's actually happening: Bolloré SE approved a €1.50/share exceptional dividend at its May 27 AGM, on top of the €0.08 ordinary one. Compagnie de l'Odet, which owns 71% of Bolloré SE, receives the bulk of that cash and has said it will pay out "at least two-thirds" of it to its own shareholders — which loops back through the family's cascading holding structure (Odet → Bolloré Participations → Sofibol, etc.). Some of that cash also comes back into Bolloré SE itself via share buybacks, which is the "buying back their own stock" part you're referring to. Analysts (Oddo, Alphavalue) have flagged this as a likely sign the family is consolidating control rather than pursuing a new acquisition, comparing it to the Agnelli family's Exor structure.