What about sofi10% loss, jnj, oklo 60% loss, and tem down 10 % I invest less in these

``` The deep research logic is organized as follows: Okay, let's tackle this user's question. They mentioned holding SOFI (10% loss), JNJ, OKLO (60% loss), and TEM (10% loss), and want to know what to do with these investments given their current positions and a $30k cash reserve. The user has a high-risk tolerance and prefers tech and consumer sectors, seeking undervalued stocks. First, I need to analyze each stock based on the provided references and background. Let's start with SOFI. From the references, SOFI has faced significant volatility due to macroeconomic factors like tariffs and a shift in their lending portfolio towards riskier personal loans. Their stock is down 59% from its peak, but they've shown solid growth and profitability. However, there are risks related to their loan mix and potential economic downturns. The user has a 10% loss here. Given their high-risk tolerance, SOFI could be a candidate for holding or adding to, especially if they believe in the company's growth despite risks. Next, JNJ. The references indicate that JNJ is dealing with talc lawsuits and failed settlements, leading to stock declines. However, JNJ is a defensive stock with a high dividend yield and strong fundamentals. The user's 13% loss in SPY might mean JNJ is holding up better, but the legal issues are a concern. Since the user prefers tech/consumer, JNJ might not align perfectly, but its stability could be a counterbalance. OKLO is down 60%. The references show OKLO is a nuclear energy startup with widening losses and facing regulatory hurdles. They're working on a reactor, but the timeline is long, and the market is skeptical. Given the user's high-risk tolerance, OKLO could be a speculative play, but the 60% loss suggests significant risk. However, the user might want to consider exiting or minimizing exposure here due to the high uncertainty. TEM is down 10%. TEM is in AI healthcare, facing insider selling and mixed performance. They have growth in revenue but miss expectations. The user's interest in tech aligns here, but the recent drop and insider activity could be red flags. However, TEM's long-term potential in AI-driven healthcare might make it a hold or add, especially if the user believes in the sector. The user also has cash ($30k) and wants to invest less in these stocks. The previous recommendations included KLAC, WMG, ORCL, and AVGO. Now, integrating SOFI, JNJ, OKLO, and TEM into this. For SOFI: Given the user's tech preference and SOFI's undervalued status post-20% drop in March, holding or adding could be viable. The company's non-lending segments are growing, which is positive. However, the risk from personal loans is a concern. The user's high-risk tolerance might allow them to ride this out or even buy more if they believe in the long-term potential. JNJ: As a defensive stock, it's less aligned with the user's tech/consumer focus. The user might consider trimming this position to allocate more to tech stocks, especially if they're comfortable with higher volatility. OKLO: The 60% loss is significant. Given the high-risk tolerance, the user might consider a small position here as a speculative bet, but the risks are substantial. Alternatively, cutting losses here could be prudent to preserve capital for better opportunities. TEM: The 10% loss is manageable. TEM's AI focus aligns with the user's preferences. The recent partnerships and institutional interest (like Ark Invest) could indicate potential. The user might hold or add to this, considering the long-term growth in AI healthcare. In terms of execution, the user should prioritize reallocating cash into undervalued tech stocks like KLAC, WMG, ORCL, and AVGO, while managing their existing positions in SOFI, TEM, and possibly trimming JNJ and OKLO. Tight stop-losses are crucial given the high-risk tolerance but need to manage downside. Also, considering the user's history of seeking undervalued stocks, SOFI and TEM might fit if their valuations are attractive post-drop. However, OKLO's deep loss suggests caution. Finally, monitoring macro factors like tariffs and economic indicators will be important for all these stocks, especially SOFI and TEM, which are more exposed to economic cycles. ``` **Concluding Statement**: Based on your high-risk tolerance, tech/consumer sector preference, and current positions in SOFI (-10%), JNJ, OKLO (-60%), and TEM (-10%), here’s a strategic plan to optimize your portfolio while leveraging undervalued opportunities: --- ### **1. Portfolio Analysis & Prioritization** | Stock | Sector | Current Position | Key Risks/Opportunities | Action | |-------|--------|------------------|--------------------------|--------| | **SOFI** | Fintech | -10% | |code|Ticker|Name|Date|Closing Price|market_code| |---|---|---|---|---|---| |SOFI|SOFI.O|SoFi Technologies|20250303|13.57|185| |SOFI|SOFI.O|SoFi Technologies|20250304|13.09|185| |SOFI|SOFI.O|SoFi Technologies|20250305|13.43|185| |SOFI|SOFI.O|SoFi Technologies|20250306|12.45|185| |SOFI|SOFI.O|SoFi Technologies|20250307|12.59|185| |SOFI|SOFI.O|SoFi Technologies|20250310|11.18|185| |SOFI|SOFI.O|SoFi Technologies|20250311|11.26|185| |SOFI|SOFI.O|SoFi Technologies|20250312|11.92|185| |SOFI|SOFI.O|SoFi Technologies|20250313|11.39|185| |SOFI|SOFI.O|SoFi Technologies|20250314|12.09|185| - **Risk**: Macro volatility (tariffs), shift to riskier personal loans (13.4% coupon vs. 5.9% for student loans) . - **Opportunity**: Undervalued post-20% drop in March , strong non-lending growth (49% of revenue in Q4 2024) , and institutional confidence in its "one-stop financial hub" model . | **Hold/Partial Add**: High-risk tolerance allows leveraging undervalued fintech leader. | | **JNJ** | Healthcare | -13% (SPY correlation) | |code|Ticker|Name|Date|Closing Price|market_code| |---|---|---|---|---|---| |JNJ|JNJ.N|Johnson & Johnson|20250401|153.25|169| - **Risk**: Ongoing talc litigation, defensive sector pressure . - **Opportunity**: Stable dividend (3.23%), undervalued vs. peers (P/E: 26.5) . | **Trim**: Reduce exposure to align with tech/consumer focus. | | **OKLO** | Nuclear Energy | -60% | |code|Ticker|Name|Date|Net Income YoY|Net Income|market_code| |---|---|---|---|---|---|---| |OKLO|OKLO.N|Oklo|2023 Q1|896.0825374256896|3090679|169| |OKLO|OKLO.N|Oklo|2023 Q2|-8331.689998344402|-4474829|169| |OKLO|OKLO.N|Oklo|2023 Q3|-688.0048571021551|-8667956|169| |OKLO|OKLO.N|Oklo|2023 Q4|-614.1326469252543|-1.4321242E7|169| |OKLO|OKLO.N|Oklo|2024 Q1|-50.54908646287758|1528369|169| |OKLO|OKLO.N|Oklo|2024 Q2|-555.801238438385|-2.9345984E7|169| |OKLO|OKLO.N|Oklo|2024 Q3|-14.896349266193784|-9959165|169| |OKLO|OKLO.N|Oklo|2024 Q4|28.157299485617237|-1.0288767E7|169| - **Risk**: Regulatory delays, negative cash flow ($52.8M operating loss in 2024) . - **Opportunity**: Government backing for nuclear tech, 75 MW reactor scalability . | **Cut Losses**: High uncertainty outweighs speculative potential. | | **TEM** | AI Healthcare | -10% | |code|Ticker|Name|Date|Closing Price|market_code| |---|---|---|---|---|---| |TEM|TEM.O|Tempus AI|20250409|43.79|185| - **Risk**: Insider selling ($336.8M in insider sales over 3 months) , mixed earnings performance . - **Opportunity**: AI-driven healthcare growth (35.8% revenue growth in Q4 2024) , institutional backing (Ark Invest) . | **Hold/Partial Add**: Aligns with tech focus; monitor AI adoption. | --- ### **2. High-Impact Tech/Consumer Reallocations** Use your $30k cash to capitalize on undervalued tech/consumer leaders with strong fundamentals: | Stock | Sector | Why? | Entry Point | Risk/Reward | |-------|--------|------|-------------|-------------| | **KLAC** (KLA) | Semiconductor | - Direct beneficiary of SoFi’s AI-driven lending infrastructure