ARM
Arm Holdings plc
stock NASDAQ ADR

GOOG for the long term. I already have 1000 shares and believe they will be at the frontier of AGI. Especially because I'm a huge fan of Demis Hasabis.
I'm also heavily invested in DRAM etf. Memory isn't going to go anywhere. SK Hynix US listing should help prop this etf even further.
I got lucky with AMD and currently hold 500 shares as well. They have a very long runway till they slow growth. Especially with the upcoming MI450 and MI500. They might overtake Nvidia due to their superior specs.
Some of the smaller holdings I have are OKLO, ARM, ASTS, NVDA, AAPL.
I'm not selling for the next 2 years.

5.625 7/6 ARM with Genesis, 20% down

5.375% on a jumbo 7/6 ARM, no lender points or PMI

5.75% no points, 0 down, 7/6 ARM with Alliant.
Was just notified rates went up .25 though, but we locked in for our closing date next month.

ARM - save for a down payment during the 5 years. Dump a bunch of equity in the house at time of refinance. If I could go back, I would do it this way. The amount of equity I have put into my house after 3 years of payments is embarrassingly low.

Here are results from the third week in May of running low delta Short Put Verticals aka Bull Put Credit Spreads!
I closed 42 Trades on 29 tickers for a loss of **-($ 950).**
I had a huge loss on one SPV that I had opened, and nursing, since back in February.
The SPV was on META and when it ITM when market turned down in March, instead I closing and taking the loss , I f'd around with rolling the spread and ended up going out to 5/16/2026.
The long put had grown to $ 6847 in cost.
The loss is not as bad as it looks on paper as treated the long call like a LEAP and sold multiple short calls against it bringing the actual loss on the original spread to a loss of -($2207).
THe lesson that I "***re-learned***" is ***"Stop rolling losing spreads"***.
Here are the highlights of the week:
* **2 losing trade this week out of the 42 for a win rate of 95%**
* **Top profit Ticker - FIX at $ 1,120 and RKLB at $ 715**
* **Top loss Ticker - META at - ($ 6,801)**
* **Average loss per trade - ($23)**
* **Average time held for closed trades - 7 days (META SPV was held for 49 days)**
I have been day trading these spreads closing at 20% profit due to the market instability hence the lower average per spread for this week.
 Here are my rules for trading credit spreads:
* **All SVP's will be opened 35 to 49 DTE**
* **Short put strike chosen at .20 delta or lower (I have been choosing 13/6 deltas for new verticals).**
* **Long put chosen to achieve a net delta of .07**
* ***All the following criteria must be met prior to opening trade***
* **Analysis of spreads Max Profit must show 80% or more probability for Maximum Profit**
* **Analysis of spread's Break Even must show 80%or more probability for Any Profit**
* **Analysis of Max Loss must show 10% or less Probability for Maximum Loss**
* **ROI for premium collected (premium divided by collateral required for spread) must be 10% or more**
My overall portfolio is up **$11,612** (on the books) for the month however I do take distributions on this account (IRA) on Fridays when the balance if above **$ 300,000**.
For the month of May I have taken cash distributions of **$13,500** bringing my actual profit total to **$ 24,012.**
YTD I show a profit of **$ 41,555.14** however I have withdrawn **$29,769** for an actual profit on the year of **$ 71, 374**.
**A copy of current portfolio, cash distributions and all trades for the week can be seen here:** [**https://imgur.com/a/eI4QEfu**](https://imgur.com/a/eI4QEfu)

Below is a breakout for all tickers:
|Ticker|Close Cost|Leg Profit +/-|
|:-|:-|:-|
|FIX|1|$1,120|
|RKLB|1|$715|
|CIEN|1|$498|
|MU|2|$427|
|INTC|2|$350|
|WDC|2|$319|
|ARM|3|$307|
|CASY|1|$285|
|TSM|4|$233|
|LITE|1|$212|
|STX|3|$205|
|APP|1|$160|
|IREN|1|$145|
|MU|1|$129|
|AXTI|1|$111|
|AMAT|1|$110|
|AVGO|1|$104|
|NBIS|1|$78|
|BE|1|$76|
|POWL|1|$69|
|AXTI|1|$61|
|CRWD|1|$59|
|COHR|1|$51|
|CMI|1|$44|
|ASTX|1|$44|
|SPX|1|$33|
|XOM|1|$7|
|UTHR|1|($101)|
|META|1|($6,801)|
|Totals|42|($950)|

Just the general thing of all these companies doing like 5-10x in a year, before there’s any proof that AI subscription revenue will scale big enough to justify any of the spending that’s creating these valuations in the first place. MU is probably the most extreme example, but it’s like literally a hundred companies. GLW, COHR, NBIS, ARM, TSEM, on and on. Think about how many $20 a month chatbot subscriptions it’ll take to break even on all the capex. A lot more people than there are on earth, let alone the number of people who would actually wanna buy a chatbot subscription.

$ARM

need to share more info- what is your expected salary / structure etc ?
ARM if you could pay the loan down significantly in 6 years if rates go way up
A lot of people who take 7/1 etc have significant annual bonuses and can eat away chunks of the loan or save significantly to pay a big chunk at the end of the ARM

also depends on terms of hte ARM - what is the maximum 1st move and max of each subsequent move?

Money coming back to software stonks.
Still. Bullish an 5k in ARM KOs

I recently did an ARM, although 7/6 compared to your 5/1. 5 years is a decently long time, you may move, rates may drop (obviously not guaranteed) in which case you could refinance to a 30 year fixed, or depending on your income, pay off a significant portion of mortgage if you’re at 5 years and rates go up. It is a bit of a gamble though!

My current positions are ARM and SWKS and I'm eyeing NEE. I'm just too tired and stressed ri chase big tech now.

I know you want individual stocks and I'll point you in that direction after I make one point. I did own 4,029 shares of SCHD, trimmed it to 2,029. With those funds, I have bought growth stocks and my portfolio has exploded. NVDA, ANET, ALAB, PWR, ARM, ETN, GLW, LASR, etc.I have 4 other etf's: SOXQ, SPMO, VGT and DRAM. I basically wasted 6-7 months thinking dividends were the way to go. To find good stocks; dividend, growth or value, I would go to the best ETF's and look at the top 10 holdings listed in Yahoo Finance. And if I wanted to see the top 25-30 stocks listed on the companies website. For VYM and VIG, I would google holdings for VIG. Only go to Vanguard's website. They will give you every holding in the fund. SCHD, DGRO, FDVV, VIG, VYM and SPYD(not the best stocks, but higher yielding ones in SPYD). VTV is good too. Best of luck.

ARM

They basically proved that the whole "agentic AI CPU boom" is bullshit. ARM met guidance, QCOM literally missed, INTC only up because they sandbagged expectations. Next earnings will be a semi slaughter.

This post hits too close to home.
1. I got in on Marvell. However, I was talked out of Micron and I couldn't find it in me to invest in any other chip companies at these prices. I would love to own ARM and TSEM :(
2. Google is my biggest bag but I invested more in MSFT. I'm still a MSFT truther. The market is wrong, not me!
3. This is also me. I bought a bunch of Meta and Celsius. I have written and deleted 3 posts about how the world is wrong about HRMY and Danielle Brill is a hack.
Feels bad, man.

I’d do the ARM .. it’s a way lower rate. I know people say “you don’t know if rates will go up or down”; but for $20k I’d risk it. Even if they went up your break even point is going to be years after the 5 year arm adjusts; and despite you saying you plan to stay, there’s always a chance your plans change and you end up wanting to sell or move.

You have no idea whether rates will go up or down. That should not be part of your calculation
If you are absolutely sure you will move out of the house in 5 years, its fine to do that ARM. Your other reply suggets "You dont plan to leave" so it doenst feel like an ARM makes sense for you. This is doubly true when you write things like "would be tight but doable." I would recommend not letting your budget become tight due to housing unless youre are in an ultra competitive real-estate market. Your are sacrificing significant financial flexibilty but taking on so much in monthly fixed costs

>ARM Holdings
It is a Japanese company now

How long do you plan to stay? Look at the ARMs worst case scenario- theres a limit on how much it can jump in first change and all time as well as what the rate is based on. If you can afford the worst case, ARM isn’t a horrible idea IMO. Refinancing to better terms isn’t a given and with zero down you may not have enough equity to avoid PMI when you do refinance.