Every market cycle brings a new set of leaders.
Some sectors shine for a year or two, then fade. Others quietly build momentum until the numbers finally force everyone to notice.

Heading into 2026, I think three areas are setting up especially well — not because of hype, but because the fundamentals are improving while expectations remain low.

Let’s talk about them.

This space has been through a full cycle — from explosive growth, to painful resets, to something much more sustainable.
The difference now? The real players are separating themselves.

Companies like SoFi ($SOFI) have built legitimate ecosystems that actually make sense.
It’s not just a bank, it’s a flywheel — lending brings in profits, banking brings in deposits, and investing keeps customers engaged. That integrated model has created one of the lowest customer acquisition costs in finance.

Then there’s PayPal ($PYPL) — a company that’s been written off more times than I can count, yet keeps throwing off billions in free cash flow. Its buyback program is quietly retiring around 10% of its stock every year. That’s a compounding machine, not a dying brand.

Fintech as a whole is maturing. The next leg won’t be about flashy user growth — it’ll be about sustainable profits, healthy balance sheets, and expanding margins.

If fintech is transforming money, healthcare is transforming itself.

We’re seeing a massive shift toward efficiency, data integration, and tech-first models.
One of my favorite examples is Oscar Health ($OSCR) — a company using technology to make the insurance process smoother, faster, and smarter. Membership continues to rise, and margins are improving as scale kicks in.

Then on the other side, you have UnitedHealth ($UNH) — the ultimate example of a steady compounder.
Year after year, it quietly delivers growth and profitability regardless of what the economy does. It’s not flashy, but boring can be beautiful when it comes to compounding wealth.

Healthcare is a sector where demographics meet technology — and that combination has long-term power.

This one’s obvious — but still misunderstood.

AI isn’t a trend anymore, it’s infrastructure. And semiconductors are the picks and shovels of the entire movement.

Everyone knows NVIDIA ($NVDA) — but AMD ($AMD) is the name I think could surprise people in 2026.
The company is positioned right in the center of AI acceleration, with its MI350 chips already gaining traction and MI400 on deck.
The data center story is growing fast, and partnerships with hyperscalers could make AMD a major second engine in AI infrastructure.

The key here is that AI chip demand isn’t cyclical anymore — it’s foundational.
And that means the winners in this space will keep compounding, even as the hype fades.

Fintech, healthcare, and AI semiconductors don’t have much in common on the surface — but they share one important thing: long-term visibility.

Each of these sectors is driven by structural trends that aren’t slowing down anytime soon.
Whether it’s digital finance, tech-enabled healthcare, or AI-powered computing, these are areas I want exposure to for years — not quarters.

This isn’t about chasing what’s hot.
It’s about owning what lasts.

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Disclosure:
This content is for informational and educational purposes only and should not be considered financial advice.

Always do your own research or consult a licensed financial professional before making investment decisions.

I may hold positions in some of the companies mentioned.