I'm 25 years old and started investing about 4–5 months ago. I have a stable income and live with my parents, which allows me to save and invest around $800–$1,000 per month.
Here's how I currently allocate each deposit:
* **50%** goes into SPY
* **30%** into specific companies I screen and have good rationale on (I work as an equity analyst)
* **20%** into call options with expiries of one month or longer
I’m fully aware that options trading is risky, and my track record currently is around 50/50. I’ve been criticized for having such a large allocation (20%) in options, with colleagues and friends telling me I should just increase my S&P allocation instead of "gambling."
But here’s my thought process: I know I still have a lot to learn, and I believe the best way to understand options is through actual trading. I feel like because I am 25 and have a stable income, I can bear some risk. However, I am still new to this, and I believe there are people in this subreddit that have been in my shoes at some point in their life and have a solid advice on the matter.
So, my question is:
Am I being reckless and irrational with this 20% allocation, or is this a reasonable way to gain experience in options trading?