The Human Agency Comeback
tony p@tony
−1.4%
since Oct 10
The idea
I believe the next decade belongs to people who take back control of their work, money, energy and health, using tools that let one person do what used to need an employer, a bank, a utility or a doctor's office. The basket spreads across those four areas, roughly 19 holdings, with steadier names giving it ballast and smaller ones giving it room to grow, plus a modest direct position in bitcoin so its swings don't dominate. I'm holding about 10% in cash and keeping any single name capped, expecting to hold this for years rather than trade it.
What it owns
- These companies sell the software that lets one person start, run and grow a business or career without a big employer behind them. · ShopifyIt lets one person open and run a real store without a retailer or a dev team, putting the core idea of this take into plain form., MicrosoftIt puts AI assistants into the Office and Windows tools individuals and tiny businesses already use, so one person can draft, analyze and code like a small team., IntuitIt lets people handle taxes, books and credit themselves instead of paying an accountant or a bank., FigmaIt lets one designer, or a founder with no design team, build and ship real product work., DuolingoIt lets people teach themselves a skill on their phone without a classroom or tutor, which is agency over learning., UpworkIt is where independent workers sell their skills directly to clients without an employer in the middle.30%
- Wearables, at-home glucose monitors and direct-to-consumer care let people track and manage their own health without waiting on a clinic. · AppleIt puts health tracking on the wrist and phone of hundreds of millions of people, letting them watch their own heart, sleep and activity without a clinic., Abbott LaboratoriesIts Libre sensors let people track their blood sugar themselves, including over the counter, and the rest of the company keeps it steady., DexcomIt makes glucose monitors that people now buy without a prescription to manage their own metabolic health., GarminIts watches and fitness devices let people track training, sleep and health on their own terms., Hims & Hers HealthIt lets people get care and prescriptions online directly, skipping the waiting room.29%
- Bitcoin and the apps people use to hold, trade and manage money on their own, without going through a traditional bank or broker. · Robinhood MarketsIt lets people invest, trade and save on their own without a broker or advisor., CoinbaseIt is the main regulated door for regular people to buy, hold and spend crypto, and its new deal with Samsung puts USDC inside Samsung Wallet., BitcoinBitcoin functions as money held in self-custody with no bank required, representing direct ownership of a monetary asset., SoFi TechnologiesIt is a bank people run from their phone, with loans, savings and investing in one app and no branches.20%
- Home solar, batteries and backup power let a household make and keep its own electricity instead of relying only on the utility. · Enphase EnergyIt makes the small electronics that let a home make and manage its own solar power instead of relying only on the utility., GeneracIt manufactures home generators and battery systems that enable households to maintain power during grid outages and failures., TeslaIts Powerwall home batteries and solar let households store and use their own energy.11%
- Cash10%