How to Generate Consistent Income with SPX Options

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February 2026 • 11 min read

Most traders lose money. That's the uncomfortable truth. They chase big wins, swing for the fences, and end up on a rollercoaster of emotions and account balances. But it doesn't have to be that way.

The Income Trading Mindset

Before we dive into strategies, let's talk about mindset. Income trading requires a fundamental shift in how you think about the market.

Stop trying to predict direction. Seriously. Nobody knows where the market is going tomorrow. Not the analysts on TV, not the algorithms, not you.

Instead, ask a different question: Where is the market unlikely to go?

This is the edge. While gamblers bet on outcomes, income traders bet on probabilities. And when you structure trades around high-probability outcomes, time and math work in your favor.

Why SPX for Income Trading?

Cash Settlement

No assignment risk. When options expire, you receive or pay cash—never stock. This eliminates the complexity of managing share positions.

European Style

SPX options can only be exercised at expiration, not before. This means no early assignment surprises that can blow up your margin.

Favorable Tax Treatment

Section 1256 contracts get 60/40 tax treatment. Even if you hold for one minute, 60% of gains are taxed as long-term capital gains.

Daily Expirations

SPX now has options expiring every single day, giving you maximum flexibility for income strategies.

Core Income Strategies for SPX

Strategy 1: Credit Spreads

A credit spread involves selling an option and buying a further out-of-the-money option for protection. You collect premium upfront and keep it if the market stays away from your strikes.

Put Credit Spread (Bullish/Neutral) - Sell a put below current price, buy a put further below for protection. Profit if SPX stays above your sold strike.

Call Credit Spread (Bearish/Neutral) - Sell a call above current price, buy a call further above for protection. Profit if SPX stays below your sold strike.

Strategy 2: Iron Condors

An iron condor combines a put spread and a call spread, betting that price will stay within a range. This strategy works best in range-bound, low-volatility environments.

The Math of Consistent Income

Let's do some quick math on what "consistent income" actually looks like:

  • Conservative: $50/day average = ~$1,000/month = ~$12,000/year
  • Moderate: $150/day average = ~$3,000/month = ~$36,000/year
  • Active: $300/day average = ~$6,000/month = ~$72,000/year

These aren't fantasy numbers. They're achievable with proper position sizing, discipline, and a systematic approach. The key word is average. Some days you'll make more, some days you'll lose. The goal is positive expectancy over time.

Risk Management for Income Traders

  1. Define Maximum Loss Per Trade - Before entering any trade, know your worst-case scenario.
  2. Size Positions Appropriately - Never risk more than 2-5% of your account on a single trade.
  3. Don't Overtrade - More trades ≠ more profit. Quality over quantity.
  4. Cut Losers, Let Winners Run - Close losing positions at your predetermined stop.
  5. Track Everything - Journal every trade. Patterns emerge over time.

Ready for consistent income?

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Disclaimer: Options trading involves significant risk. Past performance doesn't guarantee future results. This content is educational only, not financial advice.