Tag: option strategies

submitted by /u/Kitchen_Zucchini_357 [link] [comments]

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submitted by /u/Kitchen_Zucchini_357 [link] [comments]

Yeah this is too much money I can handle, market is too risky and I feel like everything is going to sell off real soon before summer. submitted by /u/cuminsideofmeplz [link] [comments]

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Nasdaq Finally Snaps Longest Win Streak Since 1992: https://www.barrons.com/livecoverage/stock-market-news-today-042026/card/nasdaq-finally-snaps-longest-win-streak-since-1992-A3gMeyaXftc9YwtEWVfd Cat credit: https://www.reddit.com/r/cats/s/uUewTelTuf submitted by /u/callsonreddit [link] [comments]

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yes my currency is CAD, yes im poor submitted by /u/shanzid01 [link] [comments]

To keep the numbers simple: I'm thinking about buying a condo in cash for $300,000. Monthly carrying costs (HOA dues, property taxes, and insurance) are $1,000/month. I'm close to FIRE, so I am seeing the $300,000 through the 4% rule as $1,000/month. Adding the carrying costs make the condo cost $2,000/month. A comparable rental would be around $2200/month, so I see this purchase positively from a financial perspective. What do you think? submitted by /u/sark_es_1117821 [link] [comments]

https://x.com/spacex/status/2046713419978453374?s=46 submitted by /u/unlikely_tap05 [link] [comments]

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I’m 32 with $850k in stocks and roughly 200k home equity and paid off vehicles and a boat The last year or so I find it extremely hard to actually apply myself and focus on work while at work…. I used to be fully engaged and take on projects and dig into things and solve on going issues. Lately I honestly just want to laugh at issues and not help at all especially issues that corporate has caused. I started to think I’m just becoming lazy… but I still go to the gym and walks and do a lot of hobbies. I still always get my work done and never leave my work for coworkers… Is this normal? Genuinely concerned as I am still young. submitted by /u/Elite163 [link] [comments]

I’m still holding but I know you guys love loss porn submitted by /u/Administrative_Rub34 [link] [comments]

Huge milestone for AST SpaceMobile and a major de-risking event (also opening up regulatory approvals globally now that it was approved in the United States). https://docs.fcc.gov/public/attachments/DA-26-391A1.pdf submitted by /u/Original_Koala8662 [link] [comments]

41.5k at open, 22.6k a bit after 10:00am, 81.5k at close. Attached a majority of the trades, this shouldn’t have worked as well as it did submitted by /u/MrLeaps [link] [comments]

submitted by /u/johndoemysterious [link] [comments]

This post contains content not supported on old Reddit. Click here to view the full post submitted by /u/wsbapp [link] [comments]

Please go easy on me this is my first time being rich. submitted by /u/frogger1988 [link] [comments]

Sold way OTM calls and never did I expect for AMD to rip 40% in a month. I hope whoever bought these calls from me do something good with a portion of profits and that good and better things continue to happen to them. submitted by /u/Pernicious-Peach [link] [comments]

https://finance.yahoo.com/markets/stocks/articles/reddit-rddt-fell-disappointing-user-133027663.html "Reddit, Inc. (NYSE:RDDT) is an online community platform where users share, discuss, and engage with content across a wide range of topics. The company posted solid revenue growth and profitability, while the closely watched metric of logged-in user growth was somewhat disappointing. Additional uncertainty around upcoming large language model (LLM) data-licensing renewals also pressured sentiment. The company authorized a stock buyback and provides an appealing audience for advertisers, as roughly half of its users are not active on other social media platforms." submitted by /u/run_midnight [link] [comments]

submitted by /u/King-of-Limbs-07 [link] [comments]

submitted by /u/Free-Initiative7508 [link] [comments]

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

As the title says. I normally invest in boring index funds for retirement, but when I gamble it's always been puts, thinking I'm hedging against my 401k losses. (I'm regarded, I know.) Anyways, I've been getting back into data analysis for my job and decided to put it to use. I pulled 6 years of minute-by-minute option premium data and ran through it. **Data range:** 01/06/2020 through last Friday. 328 weeks total. **Assumptions:** - Buy in Monday at the first data point of the day (Tuesday if Monday was a holiday) - Sell at TP, SL, or right before expiry Friday (Thursday if Friday was a holiday) - Buy/sell prices are mid price - If price jumped past my TP between minutes, I closed at TP, not the next candle **Variables tested:** - OTM levels: 0, 0.5, 1, 2, 3, 4, and 5% - Take profits: 25, 50, 75, 100, 150, 200, 300, 500% - Stop losses: 10, 25, 40, 50, 60, 75, 90% - VIX bucketed into Low/Mid/High on entry date - Starting balance with a fixed % wagered per week I looked at heat maps of profit % across TP/SL combinations for each OTM level, equity curves, win/loss distributions, annualized returns, and ran everything through an optimizer comparing Calls, Puts, and Straddles across three strategies: Pure Return (highest total return), Weighted (total return × win rate), and Consistent (average weekly return / std deviation). https://preview.redd.it/w0c7aexh1iwg1.png?width=917&format=png&auto=webp&s=6d53c8d5fa8a6f23424919a09b1b737cc1eeb65b --- If you followed a single strategy for any meaningful stretch from 01/06/2020 through last Friday, it's not even close. **Just play calls. Don't deviate.** I know the last two years have been absolutely wild for calls, so I also isolated 2020-2024 several different ways. Didn't matter. The result was the same every time. Unless you narrow to a specific 2-3 week window during a major market draw-down, a consistent put strategy **never** outperforms calls. --- **01/06/20 – 02/01/24** Pure Return: - Best Call: 5.0% OTM | TP: 500% | SL: 60% | VIX: Low+High → **+446.2%** - Best Put: 1.0% OTM | TP: 25% | SL: 10% | VIX: High → **-29.6%** Most Consistent: - Best Call: 0.5% OTM | TP: 50% | SL: 40% | VIX: High → **+43.3%** - Best Put: 0.5% OTM | TP: 1000% | SL: 25% | VIX: High → **-38.8%** **02/01/24 – 04/17/26** Pure Return: - Best Call: 5.0% OTM | TP: 1000% | SL: 90% | VIX: Mid → **+1007.4%** - Best Put: 1.0% OTM | TP: 1000% | SL: 25% | VIX: Low → **+28.7%** Most Consistent: - Best Call: 0.5% OTM | TP: 50% | SL: 40% | VIX: Mid → **+70.0%** - Best Put: 0.0% OTM | TP: 500% | SL: 25% | VIX: Mid → **+27.7%** **01/06/20 - 04/17/26** Pure Returns Consistent Returns --- Given that the last two weeks would have 10x'd the pure return call strategies, I also tried to find the most robust strategy across all VIX buckets so you don't have to track it at all. I weighted for consistency across date ranges and tried to filter out outlier insanity like recent weeks. **That strategy: Calls, 0.5% OTM, 300% TP, 40% SL, 10% of balance per week.** https://preview.redd.it/8qugpkgpzhwg1.png?width=909&format=png&auto=webp&s=e6e40ac7bd0651b86308e851b7a0b2a7ba3eb920 For reference, just putting it all into a SPY ETF would have netted you 138% return. --- Anyways, I'm probably an idiot and there are 1000 things I didn't account for. This was mostly an exercise to dust off my Python skills. But I had fun, and I learned it's bad to be a gay bear. calls go brrrrrrr submitted by /u/MaxLo85 [link] [comments]

submitted by /u/109_Le_Banane [link] [comments]

Breaking: Avi$ employees have apparently become 6x more productive in the last 30 days, thanks to AI. Yes, that’s absolutely the reason the stock is up 600%. The car rental business just cracked the code on exponential human optimization. submitted by /u/CompetitiveHippo835 [link] [comments]

I know the conventional wisdom on here is that Roth 401k rarely makes sense vs. traditional, but I think my situation might be an exception — would love to hear pushback or confirmation. My situation: - Planning to retire in ~10 years, well before 59½ (early retirement / FIRE) - I have a 401k that allows both traditional and Roth contributions - I have an existing Roth IRA at Fidelity (5-year clock already running) - My current gap: I don't have enough in my taxable brokerage to bridge the ~5 years between early retirement and when my Roth conversion ladder becomes accessible My understanding of the mechanics: When I quit, I can roll my Roth 401k directly into my existing Roth IRA. The rolled-over *contributions* (basis) would be immediately accessible — no waiting period, no penalty — because they're treated as Roth IRA contributions post-rollover. Only the *earnings* would be locked until 59½ or a qualified distribution. My thinking: If that's correct, then Roth 401k contributions effectively function as a tax-free, penalty-free bridge fund for early retirement — arguably better than a taxable brokerage for that purpose, since there's no tax drag during accumulation and the contributions are just as liquid after rollover. So instead of diverting money to a taxable brokerage to build my bridge, I could lean harder into the Roth 401k and use the contribution basis as the bridge. Questions: Is my understanding of the rollover mechanics correct? Does this specific use case (early retirement, using Roth 401k basis as a bridge) actually justify Roth 401k over traditional + taxable brokerage? What am I missing or underweighting here? For context, I'm not choosing Roth 401k purely for the tax-free growth argument — I understand that's the one that usually falls apart. This is specifically about liquidity timing in an early retirement scenario. submitted by /u/WSBtoFIRE [link] [comments]

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I’m 42M, no kids, no debt, paid-off condo living in HCOL area. My business has not been doing so well this year because of the economy and I am stressed out and burnt out. So, I will be closing it down by December. I want to take a 2 year sabbatical to improve my health and do some traveling. 12 years of doing my business has taken a toll on me and never really got to travel too much because of the time constraints. Current portfolio: $764K: $560K in VTI, $204K cash. I plan to invest $150K of the $204K cash into VXUS or QQQM and leave the rest in cash or bonds. Paid off condo worth around ~$630K. I have another $210K in an HYSA. I will be using some of this money for the two year sabbatical. My annual expenses are about $35K/year but plan to spend about $70K/year during the sabbatical because of traveling. Once the two year sabbatical is over, I already have plans to start a different business that is more meaningful and doesn’t carry all the stress. Some of my friends tell me it’s a bad idea to go on a 2 year sabbatical because a recession is looming around the corner. But I really feel like I need this for the sake of my physical and mental health. I would like to do some traveling while I’m still young too. I would like to start the 2 year sabbatical at the beginning of 2027. I’m open to advices. Thank you. submitted by /u/solo_entrepreneur [link] [comments]

I’ve been digging into 72(t) SEPP withdrawals (a method to access pre-tax funds before 59.5) and one thing that stands out is how rigid withdrawals can be and how you have to get the math correct or face substantial penalties. That said, there's a “partial escape hatch” that I don't see discussed very often. The IRS allows a one-time switch from the amortization (or annuitization) method to the RMD method during your SEPP schedule. Here’s a simplified example: You start a 72(t) at age 45. You isolate $1.5M of your pre-tax accounts into a separate IRA, use a 5% interest rate, and set up a fixed amortization schedule. That produces an annual fixed withdrawal of $86,733. Everything is fine until age 50, when your parent passes away. You inherit an IRA subject to the 10-year rule but where you’re also required to take RMDs. It’s sad that Mom or Dad passed, and it also throws a wrench in your income and tax planning. However, because of the one-time method switch rule, you could move from the amortization method to the RMD method for your SEPP. That would reduce your 72(t) withdrawal to ~$41,000 in that year, and you could then draw additional income from the inherited IRA as needed. Another cautionary example I’ve heard financial advisors bring up is someone who retires early and then later decides to go back to work. That’s a more benign version of the same idea: your income needs can change after you’ve already locked in a 72(t). It’s not a “get out of jail free” card, and it only works once (and in one direction), but it does add some flexibility in a system that otherwise has very little. submitted by /u/bridgeandretire [link] [comments]

This is goodbye, but in a good way. From $200,000 to nearly $800,000 with some lucky call options, I think this is enough for me. I said I was going to move to Oklahoma in the boonies in my last post and I’m doing that today. Sold everything I own to my name except for this garbage truck, I need to get there somehow. Went crabbing, visit mount Shasta, said goodbye to friends and now I’m heading out, that’s enough California for me. It’s time for total isolation from everyone else. I hope you regards get lucky and make lots of money. Wish I can share all my trades with you guys but there’s a photo limit. Best of luck regards. ❤️ submitted by /u/ssmoygugs6 [link] [comments]

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As mentioned in my last post, I'm posting this mostly for myself, but hopefully it will provide some encouragement to others. You may notice my last post was net worth and this one is invested. I'll touch on that later in the post. Income 2013-2020: <$28k - This was the most I ever made in a year, most years were lower May 2021: $85k - Starting salary out of college 2022: $100k 2023: $105k 2024: $112.5k 2025: $119.5k 2026: $126.5k 2021-2026 is all with the same company. Increases in income are due to raises. Assets $190,434 - 401k $51,482 - Roth IRA $7,106 - HYSA $8,133 - Crypto $286 - Cash Liabilities $3,192 - Student loans @ 2.75% $1,397 - Credit card (paid off in full every month) Invested (End of year) 2021: $15,600 2022: $64,172 I pulled this number from my spreadsheet. I don't know why it's larger than the number in my last post. 2023: $128,952 2024: $187,162 2025: $245,561 2026 (today): $251,995 What's new since 2023? I've experienced some major life milestones in the last few years. My partner and I got married and had a wonderful wedding with all of our friends and family. The wedding cost ~$35k, which was more than originally planned ($20k 😅), but it was a wonderful day and we'd do it again in a heartbeat. We were very fortunate that our parents pitched in ($9k), so our actual costs were lower. We would do a few things differently if we had the chance to do it again, but we have no regrets. In addition to getting married, we also purchased our first home! We weren't quite financially ready to buy, but a townhouse became available in our favorite neighborhood, and we felt the need to jump on it. We raided the wedding fund to cover the down payment and closing costs ($18k). The total cost of the house was $375k, and we are aggressively paying it down, with an extra $1000/mo payment to the principal. Our interest rate is 6.375%. To clear up any confusion about us pulling wedding fund money: yes, we bought the house before we the wedding. However, prior to all of this we were married in a courthouse. The wedding was more of a celebration than a ceremony. Between the wedding and the house, it's felt like a ton of money has been flying out the window, but I'm happy to see my number is still inching up. For additional clarity, I say "my number", because my partner and I have separate finances. They are financially responsible and on pace for an early retirement as well, but we've found it so much simpler to manage things individually. I know this can be a controversial topic, but it's worked for us in the several years we've been together. Why not include the house in your assets? Earlier in the post I mentioned that my old post covers my net worth while this one is just my invested assets. The main reason for that is I didn't have a house when I made that post and now I do. I don't want to include the value of my house because it's not something I can live off of. I think that's pretty common in the FIRE community. In addition, the house is one of our few joint assets, so I find it easier to leave it off. What's next? With both the house and the wedding, I've been feeling financially strained. My goal for 2026 is to get back on track. I plan to beef up my emergency fund to $15k and continue maxing my 401k and Roth. If I have anything left over, I'd like to start investing in a taxable account. It's always interesting to me how I was able to save so much when I started this job in 2021 and now I'm making $40k more and still saving roughly the same amount. Lifestyle inflation is real. As far as my career, I'm happy with where I am. I like the people I work with, and I feel like I'm valued and respected. I've received a raise every year I've been there, so that's a nice bonus. Maybe I could make more at another company, but my current job offers a ton of benefits I wouldn't be able to get elsewhere (mainly the very flexible PTO policy). For things outside of work, there are plenty of house projects I'm excited to tackle! We've been saving money each month into a "house maintenance" bucket and a "house fun" bucket. I'll let you all decide which one I'm looking forward to more. My partner and I also have several trips planned, as well as a few solo trips of my own, so I have plenty to keep my busy during the "boring middle". That's pretty much it. Again, I wanted to post this mainly for myself, but I'm happy to answer any questions. submitted by /u/permanent_guest [link] [comments]

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

This is your safe place for questions on financial careers, homework problems and finance in general. No question in the finance domain is unwelcome. Replies are expected to be constructive and civil. Any questions about your personal finances belong in r/PersonalFinance, and career-seekers are encouraged to also visit r/FinancialCareers. submitted by /u/AutoModerator [link] [comments]

submitted by /u/coinfanking [link] [comments]

Corporate America is reeling in the profits despite sticky inflation and geopolitical jitters. Big banks have kicked off earnings season with robust results, contributing to a 12% year-over-year earnings growth forecast for the S&P 500 index. Tom Essaye, founder of Sevens Report Research, told Yahoo Finance that "corporate America is firing on all cylinders." He notes that S&P 500 earnings per share have climbed from roughly $235 in 2024 to projected estimates of $315 for 2026. Whether it's AI or other tech, the strong quarter of earnings growth has been fueled by solid margins, per Essaye. Companies are successfully navigating higher energy and transport costs without letting them dent the bottom line. Despite inflation, customer bases are "broadly good." "If anything, there's upward risk, and that tells you that companies are executing well in an environment where fear is high, but the actual reality is quite good," Essaye said. submitted by /u/coinfanking [link] [comments]

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

Offshore havens like the Seychelles are enabling online trading firms to offer high-risk bets to retail investors. submitted by /u/bloomberg [link] [comments]

submitted by /u/Working_Yesterday386 [link] [comments]

Private credit and the AI boom carry risks, but neither has the leverage or fragility that typically trigger a systemic crisis. submitted by /u/bloomberg [link] [comments]

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

The official 2025 FI survey is now accepting responses! ALL data will be released in a spreadsheet to the sub. If you’re not comfortable with that, don’t take the survey. Whenever possible, identifying information (such as age) is obscured in ranges. The survey does not ask for location, username, email, or other unique information, so your privacy is reasonably protected. Because there are several numbers involved, here is a preparation spreadsheet you can use to organize your information before opening the survey itself. For previous results, go here. Survey Instructions These instructions are also available on the first screen of the survey, but you may want to keep this post open in a separate tab to refer back to them. Throughout the survey each section includes instructions at the top of the page as well. The survey will take approximately 20 minutes to complete, depending on how prepared you are with your numbers. Enter all annual information for calendar year 2025 (January 1 – December 31, 2025). Enter all point in time data (like account balances) as of December 31, 2025 (or as close thereto as you can get). Enter all amounts in current dollars (or your native currency). The survey asks how many people contribute to your household finances, and thereafter your responses should include all assets, debt, etc. belonging to those people. You determine the number of people who contribute to your finances. Demographic questions include demographics for "contributor 2" and "contributor 3", if you have more than one person contributing to your household income, you can include their demographic information there. Remember that personal finance is personal. Enter your numbers as you interpret them, personally. If you really get stuck, I will be watching the posting thread and answering interpretation questions as able. Because personal finance is personal, some buckets may not be precisely consistent with your personal buckets. You are able to return to the survey and edit your answers later if needed; just skip to the end and submit to get your return link. The survey will be open from April 17 – May 15. Enter dollar amounts as a whole number, appropriately rounded. E.G. $32,594.56 is entered as 32595, with no commas. Enter percentages as a number, not a decimal. For example, 4% is entered as 4 (not .04), 20.5% is entered as 20.5 (not .205), etc. Do not use symbols for dollars ($) or percentages (%). At the end of the survey, you will be asked for any comments on the survey. If you had any confusion or issues with a question, please refer to it in your comments by the question number plus a brief description of the question (question numbers change depending on your circumstances). Because the survey does not ask for identifying information, I will not be able to follow up with you, so please be as specific as you can about the issue or difficulty you encountered. Vague comments like “the question about income felt weird” cannot be acted on. Almost all questions are skippable; if a question does not apply to you or you haven't yet determined the answer, skip it. The survey will ask for an approximation of the cost of living for your area, use this Cost of Living Index to get as close as you can. If you are on mobile, find this number before you open the survey so you don’t lose your survey progress. Now that you’ve read all that… you can go take the survey! submitted by /u/Melonbalon [link] [comments]

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maybe this is just me.. but I always thought getting close to FI would feel more clear instead it feels a bit… off? not about the numbers more like am I actually ready what if I change my mind later what if it just doesn’t feel how I expected hard to explain honestly curious if anyone else felt something similar before actually pulling the trigger submitted by /u/Beneficial-Ad-9986 [link] [comments]

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

Current situation: 24 yo, getting married this summer. Our finances are pretty much already combined. NW ~150k, mostly in cash and equities. Goal is to be FI in 11ish years by age 35. Currently on track to max my trad. 401k, Roth IRA, and HSA this year. From research and reading this sub, I thought even if you wanted to access funds before 59.5, the trad 401k was still probably best. We had a free session with a financial advisor recently just for the heck of it. He suggested lowering 401k contributions to just get employer match and either switch to Roth 401k or taxable investments. The rationale being that 401k money is locked up and you have to pay income tax on it even if using early withdrawal methods (72t, Roth ladder). And he argues that tax rates are likely to go up (even if we were to go down in brackets). This point makes relative sense to me but everything I've read says max traditional 401k -> HSA -> Roth IRA -> taxable investments. I definitely do want to contribute to taxable investments since the goal is aggresive. This year we are paying off student loans aggresively so are only investing a few hundred per month in taxable (and aren't budgeting to max my spouses roth IRA). So in future years we likely could max my spouses Roth IRA as well and contribute more to taxable investments. But what is the general consensus? Does it make sense to continue in traditional 401k or take some of that and put it into taxable accounts instead. TYIA Also if this context helps, HHI is 140-150k submitted by /u/Savings_Actuary_2833 [link] [comments]

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]