InvestingWithBrandon

I retired at 31 doing this.
Step 1. Build your base.
$40k VOO. $40k Q. $20k high conviction companies near intrinsic value.
This is your foundation & your collateral.
Step 2. Sell 1+ year portfolio secured puts.
Quality companies only.
Moat.
Pricing power.
Good valuation.
Collect the premium.
Pay zero margin interest.
Step 3. Redeploy every dollar of premium.
More shares.
LEAPS on your highest conviction names.
Never let it sit as cash.
Step 4. Keep ratios in check.
Always know your 7-day liquidity.
A 40% crash should not keep you up at night.
That is it.
No day trading.
No covered calls.
No s

Most people think a stock dropping 25% automatically makes it a buy.
It does not.
If a stock fell from $400 to $300 but intrinsic value is $200.
You just bought an overpriced stock on sale.
That is not investing.
Here is what I check before I buy anything.
Is it trading at or below intrinsic value?
Does it have a real moat?
Is EPS growing up & to the right?
Does it have pricing power?
Is the macro thesis clean?
All yes?
I back the truck up.
One no?
I wait.
Price is what you pay.
Value is what you get.
Learn the difference & you will never panic buy again.

I do not sell covered calls on my core "base portfolio"
Here is exactly why.
My base portfolio is the foundation.
VOO. Q. The compounders.
Stuff I want to hold for decades.
If I sell a covered call.
The stock rips.
Now I have two choices.
Roll up and out and pay for the privilege.
Or get assigned and realize a massive capital gain.
The capital gain hits my taxes.
I now need the stock to fall a meaningful amount to re-enter and break even on the trade.
That is not a strategy. That is a tax trap.
If I want to trim. I just trim.
If I want to hold. I just hold.
Covered calls turn winning positions

A lot of people in my DMs asking how I have beaten the market for 10 years.
10 year CAGR of 25.89%.
S&P did about 15% over the same period.
Here is the system.
Base portfolio first:
- 40% VOO
- 40% Q
- 20% individual stocks that pass the 5 filters
This alone already beats 95% of professional fund managers.
Then the options layer on top:
- Sell portfolio secured puts on undervalued quality names
- Take the premium. Buy more shares & LEAP calls.
- Nothing sits idle. Ratios always in check.
The options layer is what separates 15% from 25%.
Base first. Always.
Options ONLY to magnify what is alre

$30k/month in options cash flow
No day trading
No swing trading
No margin calls in market crashes
No BS option option strategies
No stress
This is how I do it:

Most retail investors doing monthly puts think they are going to win...
Here is the math that ends that argument.
Market gets cheap.
I sell one 2 year put.
Collect $20,000 ish.
You sell monthly puts on the same company.
$1,000 per month average.
You make money in the up months.
You lose in the volatile months.
You have to sell at the top when it is not compelling.
After 8 months you made $8,000.
I made $20,000 in one trade when the market was cheap.
Took the premium.
Bought shares.
Bought calls.
Sat back.
4 months later the market rebounded.
I closed the 2 year puts at 75% profit.
I held them

A lot of people do cash secured puts, covered calls, poor man covered calls, & spreads.
A lot of people also underperform the Nasdaq...
$HOOD publishes this to show how bad the investors on their platform do in relation to buying $Q and doing nothing.
This should open your eyes