Derrick Lilly is an accomplished and versatile writer, editor and award-winning copywriter currently based in Chicago. Derrick is currently writing and editing for the Illinois CPA Society's INSIGHT Magazine full-time and contributing to Seeking Alpha on a freelance basis. Learn more and connect with Derrick on LinkedIn: http://www.linkedin.com/in/derrickmlilly
I am 40 and would like to retire before 60. I am fortunate to work for a state government and I am vested in their pension. So, I am set when I turn 60+. Because I don't have to worry about saving for a normal retirement age, I have been able to put almost all of my savings towards the goal of early retirement, by investing in a taxable brokerage account.
Poet and amateur athlete... Most of my life has been devoted to creative work, making zero money and accepting the likelihood of extreme poverty in old age. At age 60, that all changed thanks to a small inheritance and decent income from a new career (as a freelance translator). My focus is on steadily building dividend income while diversifying sufficiently (across sectors and beyond Canada) to combine a degree of security with the potential for growth.
Beginning an investment career in mid-recession (autumn 2008) was a fabulous experience. Life is sweet when you can watch something go down 75%, hold on without fear or desperation, and come out the other end okay. (Actually that one turned into a 200% profit.)
Sorry for the Run-on sentences in advance. If you have any questions about my research or any data related to my blogs, just inquire about them via comment. I am a 20 year old finance student studying the pharmaceutical industry and in particular the top performing industries of Biotech and life science research. I research companies that target untapped markets and follow capital expenditure trends of the industry to capitalize on surrounding opportunities. Companies working with government funded research institutions (NIH, Foundations, Universities) are my favorite long picks. I am long small caps with strong pipelines and balance sheets, and short most one trick unicorns that don't have value or technical support. I pick my trades on a company by company basis. I don't always require that a company is involved in a favorable industry that has unmet demand by big pharma, but that is where I believe discrepancies in valuations occur most often. Recently, I have moved with momentum and enjoy testing hype in valuations. I use fundamental analysis, some historical pricing model techniques, and ultimately, macro themes to build and test my thesis's for industry analysis and trading. I always trade on technical analysis, but find value in fundamentals. In 2016, my Biotech industry top picks are involved in the clinical development of therapies in ophthalmology (Dry eye, DME, AMD), rare diseases (MF, Lupus, DMD), lung disorders (COPD), cardiovascular diseases (PAH, DCM, CLI), and breakthrough cancer therapies (so basically anything Celgene, Roche, and Novartis miss).
Expecting a lot of crowding in Melanoma (ex. ARRY) and cholesterol drugs (ex. $ESPR, $AEGR) in 2016 with multiple expected drug launches. Finally, I am excited for Biosimilars to make their debut in 2016. PAH patent expiration for $UTHR and others in 2017 and many more mAbs before 2019 should open up some serious patent cases and entrants. I am still expecting a ton of BLAs to be filed in 2016 (ex. $PFNX, $MNTA, $SRNE). Thanks for reading, tweet @Kuritzmike if you want to see what I'm trading on the day to day.
Sean Dalton is a freelance financial writer and consultant who specializes on long/short domestic US equities. Sean graduated from the College of William and Mary in 2011 with a BBA in Finance and has since been working in the greater Washington DC area. His prior achievements include being Portfolio Manager for the Student Investment Fund at William and Mary, being a member of the state winning CFA IRC team 2011, Head Trader for the William and Mary CME Commodity Trading Challenge team and receiving Publication of the Year from The Monitor Journal of International Relations for his academic paper on Islamic Finance.
Sean is a Level 1 CFA Candidate ( and would appreciate any advice on study tips from charter holders).
You can follow Sean on Twitter @seansdalton or connect with him on LinkedIn at www.linkedin.com/in/seansdalton
Independent investor with extensive financial experience. Numerous years of trading securities, personal portfolio manager. Main interests are in tech and banking. Personal focus is on tech growth opportunities and deep value plays in the banking sector. Happy to respond to article comments, but often unable to do so because of hectic work schedule.