Consumer Finance & Care Platforms

This basket targets platforms that organize consumers' money, taxes, insurance and access to healthcare, rather than the manufacturers supplying those services. Digital distribution and integrated service delivery can deepen customer relationships, but underwriting, medical costs and regulation remain important risks. The current pullback offers a selective entry into consumer financial platforms alongside tax and healthcare businesses with different demand drivers. Launch basket (equal weight): HOOD, COIN, NU, INTU, UNH, SOFI, HIMS, OSCR, PYPL Rules: 1. No inverse, leveraged or volatility ETFs. 2. Only names tradable at the enrolled brokers (Moomoo): no OTC listings, no dead tickers, nothing on the refused list.