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72 Part II: Call Option Strategies
The covered writer of the January 50 would, at this time, have a small unrealized loss
of one point in his overall position: His loss on the common stock is 6 points, but he
has a 5-point gain in the January 50 call. (This demonstrates that prior to expiration,
a loss occurs at the "break-even" point.) If the stock should continue to fall from
these levels, he could have a larger loss at expiration. The call, selling for one point,
only affords one more point of downside protection. If a further stock price drop is
anticipated, additional downside protection can be obtained by rolling down. In this
example, if one were to buy back the January 50 call at 1 and sell the January 45 at
4, he would be rolling down. This would increase his protection by another three
points - the credit generated by buying the 50 call at 1 and selling the 45 call at 4.
Hence, his downside break-even point would be 42 after rolling down.
Moreover, if the stock were to remain unchanged - that is, if XYZ were exactly
45 at January expiration - the writer would make an additional $300. If he had not
rolled down, the most additional income that he could make, if XYZ remained
unchanged, would be the remaining $100 from the January 50 call. So rolling down
gives more downside protection against a further drop in stock price and may also
produce additional income if the stock price stabilizes.
In order to more exactly evaluate the overall effect that was obtained by rolling
down in this example, one can either compute a profit table (Table 2-21) or draw a
net profit graph (Figure 2-3) that compares the original covered write with the
rolled-down position.
Note that the rolled-down position has a smaller maximum profit potential than
the original position did. This is because, by rolling down to a January 45 call, the
writer limits his profits anywhere above 45 at expiration. He has committed himself
to sell stock 5 points lower than the original position, which utilized a January 50 call
and thus had limited profits above 50. Rolling down generally reduces the maximum
TABLE 2·21.
Profit table.
XYZ Price at Profit from Profit from
Expiration January 50 Write Rolled Position
40 -$500 -200
42 - 300 0
45 0 +300
48 + 300 +300
50 + 500 +300
60 + 500 +300