失业在家，拿20w炒股，不敢追高怎么办？不追高也能月入3000！

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各位朋友大家好

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今天我们来聊一个扎心的话题

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人到中年

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你是不是越来越不敢买股票了

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好公司涨上天了

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不敢追高

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怕买在山顶被套牢

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想等他跌下来抄底

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他偏偏一骑绝尘

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让你眼睁睁看着踏空

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在这个买也不是不买也不是的死循环里

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今天我给大家介绍第三条路

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这条路段永平用了20年

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巴菲特用了40年

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它不仅能让你月入3000块的现金流

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还能让你以打折的价格买到心仪的好公司

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这就是现金担保

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看跌期权

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也就是cash secure put

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我们先来看看中年人炒股的两大噩梦

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第一个噩梦是追高情绪一上头高位买入

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买完就被套

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每天刷手机看盘

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焦虑得睡不着觉

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回撤个30%

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就开始怀疑人生

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辛苦攒下的一年本金直接腰斩

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第二个噩梦是踏空

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永远在做等等

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党嘴上说着再跌10%

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我就进场

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结果永远等不到那个理想的价格

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看着股价创新高

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最后忍不住在山顶接盘

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再次重复第一个噩梦

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今天我们要讲的cash secure put

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就是专门来治这两个病的

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这个英文名词听起来很吓人

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但它的本质其实就是一句最通俗的大白话

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你答应

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如果股价跌到某个你觉得划算的价格

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你就买

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为了让你信守承诺

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对方先给你一笔定金

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这里面有四个要素

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第一是行权价

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就是你心仪的愿意接盘的价格

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第二是权利金

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也就是对方给你的那笔定金

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这笔钱不管结果怎样

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你都是白拿的

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第三是现金担保

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为了证明你不是忽悠人

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你必须提前在账户里冻结足够买股票的现金

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第四是到期日

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通常我们选30~45天的短周期

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每个月滚一次

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就像段永平说的

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这其实就是开个保险公司

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赚点保费而已

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我用买房子给大家打个比方

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一听就懂

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比如你看中一套房

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现在卖300万

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你嫌贵

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觉得280万才合理

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于是你跟卖家签了个意向书

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如果房价跌到280万

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我就买

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为此卖家先给你5万块钱定金

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你把280万冻结在银行里做担保

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一个月后

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如果房价还在280万以上

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甚至涨了

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你不用买房

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这5万块钱白拿

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如果房价微跌到282万

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你还是不用买房

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5万块钱照样白拿

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如果房价暴跌到270万

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你必须按280万接盘

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但因为你之前白拿了5万定金

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你买这套房的实际成本其实是275万

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这比现在的市场价还要便宜

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你看这三种结局全都是赢

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跌不透

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你白拿钱

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跌透了

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你低价抄底

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光讲理论没用

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我们直接看实盘

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这是一张真实的苹果期权链接图

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当时苹果的股价是267.5美元

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我看中了30天后到期

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行权价为255美元的破期权

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也就是我承诺如果跌到255美元

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我就买

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看这张合约的数据

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他的权利金大概是4.6美元

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他的delta值是负的

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0.291

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这意味着它真正跌穿

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被行权的概率只有大约29%

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也就是说你有71%的概率

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只是来白拿钱的

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我们来算算真金白银的账

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买卖每股期权

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一张合约等于100股

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这张苹果的合约

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你能拿到的权利金是460美元

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折合人民币大约3300块钱

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这是直接打到你账上的

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你需要冻结的现金担保是2万5500美元

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算下来

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这30天的纯租金收益率是1.8%

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如果不被行权

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年化收益率将近22%

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哪怕这29%的坏运气真的发生了

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你被迫接盘

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你实际买入苹果的成本也是250.4美元

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相当于在现价基础上打了九折

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这个价格接盘苹果

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你亏吗

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为什么我说这个策略是中年人的神器

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因为中年人最缺的是执行纪律的魄力

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散户直接买股票往往是情绪驱动

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喜欢高位追涨

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而卖put是目标价以下才成交

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他强迫你低吸股票横盘不涨

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散户很难受

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但卖put只要不跌

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你每个月都在收权利金

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最重要的是心态

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卖put把你逼到了一个

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三种结局都能接受的舒服位置

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你不需要每天盯盘焦虑

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记住中年人投资要的不是收益最大化

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要的是做完决策不后悔

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回到大家最关心的问题

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想要靠这个策略

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月入3000到底需要多少本金

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如果你只有10万块钱

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那你开不了一张苹果的合约

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只能选一些股价较低的优质股

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每个月大概能收入一两千

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推荐的门槛是18万人民币

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这刚好够你开一张

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苹果或者同价位蓝筹股的put合约

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每个月能稳定收入3000块左右

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年化在20%上下

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如果你有50万

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你可以分散买两三只不同股票的put

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降低单只股票的风险

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每个月能有8000到1万的进账

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但这里有一条铁律

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这笔钱必须是就算被迫买了股票

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你也能坦然持有5年的闲钱

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绝对不能是首付

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生活费

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更不能加杠杆

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我们来看看真正的大佬是怎么玩的

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2026年4月

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泡泡玛特从高位腰斩

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全网恐慌

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段永平在雪球上发帖说

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我的泡泡玛特保险公司正式开张了

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他怎么做的

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他直接卖出了22.5万张

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行权价为150港元的破期权

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因为港股一张期权对应200股

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这意味着一旦股价跌破150港元

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他将掏出67.5亿港元

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直接接盘4500万股

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泡泡玛特成为公司的第三大股东

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段永平这个操作给了我们三个极其深刻的启示

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第一高手从不猜顶底

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只问自己某个价格愿不愿意接盘

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他觉得150港元划算

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就直接挂单

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不用预测明天涨跌

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第二他这一手天亮卖pot

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直接把空头吓傻了

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150港元的地方摆着68亿资金兜底

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谁还敢往下砸

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结果股价不仅没跌穿

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反而涨了上去

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他一分钱没花

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先赚了一大笔权利金

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第三他用同样的套路在苹果

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阿里腾讯拼多多上重复了十几次

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卖铺买股票确实比直接买股票容易下手的多

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我们回顾一下段大道的建仓鬼界

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2021年以后

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他作为主力仓位的苹果

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他说大部分苹果是卖铺买回来的

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2023年

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他开始卖阿里的put

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年化收益大概在18%左右

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2024年

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趁着拼多多单日大跌

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他直接卖铺建仓

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同年他又说自己每天卖1000个腾讯put

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直到2026年的泡泡玛特

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这就是顶级投资者的确定性游戏

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但是多少人用这个策略赚了钱

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就有多少人因为乱用而倾家荡产

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给你三条绝对不能犯的铁律

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第一只对你真正愿意长期持有的好公司用

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绝对不要碰垃圾股

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妖股和容易爆雷的小票

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哪怕权利金再高

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也不要碰

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第二必须用真金白银做担保

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也就是cash secure

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你的账户里必须趴着足够接盘的现金

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绝对不能碰

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不交足额保证金的naked

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铺裸卖策略

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遇到黑天鹅

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你会直接破产

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第三不追高隐含波动率

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不去赌财报

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财报周全利金确实高得诱人

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但那是真正的赌场

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老老实实做月度滚动的价外合约

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收稳定的现金流

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最后我想跟大家聊聊中年人的体面投资

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做到最后最宝贵的早就不是什么翻倍暴富

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而是你晚上能不能睡得着觉

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cash secured put给你的就是这份从容不跌

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你白拿权利金

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00:09:02,940 --> 00:09:04,840
增加每月的现金流

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00:09:04,840 --> 00:09:05,879
跌透了

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00:09:05,879 --> 00:09:09,509
你按照心仪的折扣价把好公司买到手

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如果是大跌

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00:09:10,710 --> 00:09:14,190
你之前收的权利金也能给你提供缓冲垫

237
00:09:14,190 --> 00:09:15,529
打开期权链

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00:09:15,529 --> 00:09:18,299
挂一张你愿意接盘的铺上去

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00:09:18,299 --> 00:09:21,940
然后关掉电脑去陪家人好好吃顿饭

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这才是中年投资者应该有的第三条路

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00:09:26,589 --> 00:09:30,149
本期视频所有的数据和案例均来源于

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00:09:30,149 --> 00:09:33,730
公开的新闻报道和真实的期权链接图

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00:09:33,730 --> 00:09:35,730
权利金和收益率的计算

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00:09:35,730 --> 00:09:38,389
也采用了最保守的估算方法

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00:09:38,389 --> 00:09:40,049
但需要强调的是

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00:09:40,049 --> 00:09:42,690
本内容仅为教学与案例分析

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00:09:42,690 --> 00:09:45,679
绝不构成任何具体的投资建议

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00:09:45,679 --> 00:09:48,639
期权交易具有一定门槛和风险

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00:09:48,639 --> 00:09:52,320
请大家务必根据自身的资金实力和认知水平

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谨慎做出决策

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感谢大家的收看

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00:09:55,629 --> 00:09:57,500
我们下期再见

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