Invest with Henry 对 $SOFI 的判断变化

If you're looking to retire and create income, you should look no further than SoFi and the Wheel Strategy. SoFi is a high-quality company and the Wheel Strategy is a highquality option trading strategy that can generate income, reduce your average cost of purchasing stock, and make money from holding a highquality stock.

So let's open up my portfolio right here. All right, guys. So, take a look at SoFi. SoFi is currently trading for $18 per share. I have 10,500 shares. My average cost is $21.18 and I'm currently down on the stock.

However, this does not factor in the wheel strategy or how much money I have been making. Literally hand overfist money on SoFi. It has been ridiculous in terms of premium collection.

So although SoFi stock, as you can see here, it went from like $31 per share and it fell down a lot. My average cost again is $21 per share.

Now, it has been so fantastic for us investors despite really kind of non-existent returns. These are non-existent. This stock has done absolutely nothing since March. I mean, even February, this stock has only been basically the same price at $19 and now it's $18. So, it has actually lost $1.

And I'll discuss SoFi as a business as well. So, we'll cover both the technicals and the fundamentals in this video. And you can see here, SoFi is at $18 per share.

So if SoFi does nothing where it falls $1, literally doesn't even matter. I mean you would get assigned at, you know, $18 per share. But if you collected a whole dollar, your average cost is effectively 17.

This is a not that expensive strategy because on SoFi, look, $17 strike price, you're effectively have to put up about 1,700 bucks roughly.

So, it doesn't really matter if SoFi were to go up or go sideways or even come down. We're okay at $17 because again, going back to the technical analysis, not only is there like support levels, but the stock is just going sideways despite this being a really strong company.

I mean, their member growth is very rapid. SoFi reached 14.7 million members in quarter 1, 2026, up 35% year-over-year, while adding a record 1,55,000 million members during the quarter.

And a large member base gives SoFi more opportunity to sell additional financial products without acquiring a completely new customer each time. So customers that are acquired are using more SoFi products. That's what I like about this business.

And when we see the stock here at $18 per share, I firmly believe that they have the strongest support of any stock at around $17 per share because their revenue is still growing very quickly.

It is ridiculous to see the stock under $20 per share. I don't think that's going to last because Q1 2026 their adjusted net revenue increase 41% year-over-year to $1.09 billion. This is unusually strong growth for a financial company that has already reached Sofi scale. This is so unusual.

And what's even more meaningful is the profitability. So generated $166.7 million of gap net income in Q1 and report its 10th consecutive profitable quarter. And every time they report, literally this company doesn't really do anything, which is super surprising because, you know, we're going into September right now. Basically September 1st on on Monday, right? And SoFi is still under $20 per share.

So when I'm running the wheel strategy and I sell a 17 put, I hope I get it signed. like literally sign me up. The implied volatility is really good at at 49, which is essentially 50. It's 49.9 is very attractive.

So, this premium that I'm collecting here is is very attractive. It's not crazy attractive. Like, in my community, I do I'm aiming for like 4% plus, and I have many students that are exceeding 6%. That is something that's very possible, especially in a bull market.

And here, this 3% premium that I'm collecting, it's not crazy, but it's very attractive because this is a stock that I want to own. So, I view this from the angle of I'm not really losing even if SoFi goes down a dollar.

So, again, let's say that we get assigned at $18 per share. And again, we're happy with that because, you know, SoFi is a great business. Um, and one thing more that I want to mention is the banking charter gives SoFi a funding advantage. That's something that I really like about SoFi. It's like a competitive advantage they have because their deposits reached over 40 billion and deposits represent more than 90% of average liabilities during their last quarter. So, management estimates that deposit funding saved approximately $622 million in annualized interest expense compared to, you know, with something like warehouse funding, right?

Okay. So, it's becoming much more than just a lending company. They are, you know, full financial services revenue company which increased 41% year-over-year and yeah, just super strong in the feebased revenue which creates another growth engine. I think this is very diversified stock right now.

So this tight range indicates that likely SoFi is just going to continue to trade sideways, right?

So, this range right here is likely where SoFi will be trading at in the next, you know, foreseeable future, such as 20 days.

Whether you're a beginner or intermediate, something like a SoFi that's going sideways could be extremely attractive.

And this wheel strategy right here, $19 strike price on SoFi. This is the exact type of trades that I'm placing in my community every single Monday. So yeah, this is SoFi and this is the stock that I'm currently running a good amount of my money.

Let's go back to my SoFi position. I want to show you just how much I personally have in SoFi so you can understand the type of scale and risk management as well because when you are running the wheel strategy you don't want to over uh leverage either because although so looks attractive of course there's volatility and the wheel strategy's risks and dangers are that if the stock crashes you know you're in trouble I don't see that to be the case with soi but again diversification is important which is why this is 4% of my entire portfolio

It's really a flexible strategy, but this is in my opinion the best blueprint that you can have is pick a high quality stock, SoFi, great company, and run the wheel strategy by positioning yourself to enter the stock for a discount, selling covered calls to generate income.

And in terms of position sizing, I would say that you're safe to basically use 10% of your money in SoFi or or or really you don't have to use SoFi. This is an example. I personally like the company a lot,