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Example: The following prices exist:
XYZ common, 49;
XYZ April 50 call, 3; and
XYZ April 35 call, 14.
Part II: Call Option Strategies
Since the deeply in-the-money call has no time premium, its purchase will perform
much like the purchase of the stock until April expiration. Table 7-4 summarizes the
profit potential from the covered write or the bull spread. The profit potentials are
the same from a cash covered write or the bull spread. Both would yield a $400 prof­
it before commissions if XYZ were above 50 at April expiration. However, since the
bull spread requires a much smaller investment, the spreader could put $3,500 into
interest-bearing securities. This interest could be considered the equivalent of
receiving the dividends on the stock. In any case, the spreader can lose only $1,100,
even if the stock declines substantially. The covered writer could have a larger unre­
alized loss than that if XYZ were below 35 at expiration. Also, in the bull spread sit­
uation, the writer can "roll down" the April 50 call if the stock declines in price, just
as he might do in a covered writing situation.
TABLE 7-4.
Results for covered write and bull spread compared.
Maximum profit potential
(stock over 50 in April)
Break-even point
Investment
Covered Write:
Buy XYZ and Sell
April 50 Coll
$ 400
46
$4,600
Bull Spread:
Buy XYZ April 35 Call and
Sell April 50 Coll
$ 400
46
$1,100
Thus, the bull spread offers the same dollar rewards, the same break-even
point, smaller commission costs, less potential risk, and interest income from the
fixed-income portion of the investment. While it is not always possible to find a
deeply in-the-money call to use as a "substitute" for buying the stock, when one does
exist, the strategist should consider using the bull spread instead of the covered write.