2025 Recap | 4-Month-Old Option Trader: RM7k from 0 credit
Started options trading just 4 months ago, and I’m grateful to end 2025 with ~RM7,000 earned from 0 credit (pure premium). Not a huge number compared to pros, but a meaningful milestone for a newbie like me 💪
My simple strategy:
• Sell Put & Sell Call (Wheel Strategy)
• Mainly on SOFI
• Usually sell a few OTM Sell Puts at 20–25
• Plus 1 Sell Put at 26–27
• Let time be the judge ⏳
→ Let it expire and repeat
→ If assigned, sell call to earn more premium
This year, my biggest learning is:
👉 Options are a cheaper and more disciplined way to buy stocks you actually want to invest in, instead of chasing price movement.
Still learning, still refining, and most importantly—sticking to my plan.
#CreditSellingMastery #RetailInvestorWins #OptionsIncome
Disclaimer: Community is offered by Moomoo Technologies Inc. and is for educational purposes only.
Read more
Comment
Sign in to post a comment
A small investor journey to retirement.
873
Followers
56
Following
1408
Visitors
Follow
InvestRetirement : Well done bro. Thanks for sharing
InvestRetirement : What's your top 1 stock for 2026?
Hase Investment King OP InvestRetirement : hmmm… if I’m going to pick one stock…. it’s gonna be $SoFi Technologies (SOFI.US)$ . Low entry point and with high potential
InvestRetirement Hase Investment King OP : Will you buy the stock or continue to sell put option on it? I'm a newbie. Looking forward to learning more
Hase Investment King OP InvestRetirement : I would say both, but mainly on focus on sell put option as I can enjoy premium, while DCA on buying the stock. But as for now, I’m going a bit bold that selling put contract at 27, it would be 27 minus premium = cost if I get assigned.
Hase Investment King OP InvestRetirement : PS: I’m new at option trading as well, so it always good to do your own research. And good luck!
InvestRetirement Hase Investment King OP : How do you start an option? Is it like buying a stock directly?
Hase Investment King OP InvestRetirement : Selling a Put on SOFI
Current Price: ~$26.00
When you sell a put, you are getting paid to wait for a lower price.
The Trade
• Strategy: Sell a $25.00 Put.
• Income (Premium): You get paid $100 immediately (example price).
• Collateral: Your broker locks $2,500 of your cash as a guarantee.
Two Possible Outcomes
1. SOFI stays above $25.00
• Result: You keep the $100.
• Ownership: You don't buy the stock.
• Summary: Pure profit for just making a promise.
2. SOFI drops below $25.00
• Result: You are forced to buy 100 shares at $25.00.
• Total Cost: $2,400 (The $2,500 you paid minus the $100 you kept).
• Summary: You now own the stock at a cheaper price than today's $26.
The Risk
If SOFI crashes to $15, you still have to buy it at $25. You are down $900 in value immediately.
InvestRetirement Hase Investment King OP : What will you do after getting assigned?
Hase Investment King OP InvestRetirement : I sell call after getting assigned, which is also called as the wheel strategy.
The Wheel Strategy is a cycle where you collect "rent" on a stock. It turns the Sell Put example we just did into a permanent loop.
With SOFI at ~$26, here is how the cycle completes:
Step 1: Sell the Put (The Start)
• Action: You sell a $25 Put.
• Income: You collect $100.
• Goal: You want SOFI to stay above $25 so you can just keep the cash.
Step 2: Getting Assigned (The Pivot)
• Event: SOFI drops to $24. You are forced to buy 100 shares at $25.
• Result: You now own 100 shares of SOFI. Your "cost basis" is actually $24 (the $25 you paid minus the $1.00 you kept earlier).
Step 3: Sell a Covered Call (The Income)
Now that you own the shares, you "sell them back" to the market at a higher price.
• Action: You sell a $27 Call.
• Income: You collect another $80 in "rent" while you wait.
• The Wait:
• If SOFI stays below $27, you keep the $80 and sell another call next month.
• If SOFI hits $28, your shares are "called away" (sold) for $27.
Step 4: Repeat (The Full Wheel)
If your shares are sold at $27, you now have your cash back plus all the premiums and the profit from the price jump ($25 to $27). You go back to Step 1 and sell another put.
Summary of Benefits
• Triple Win: You keep the Put premium, the Call premium, and the profit if the stock price rises.
• The "Why": You are essentially getting paid to buy low and paid to sell high.
View more comments...