Investors looking for a low-risk alternative to increase their investment returns should consider writing covered calls on the stock they have in IRAs. This conservative approach to trading options can produce additional revenueregardless of whether the stock price makinng or falls, as long as the proper adjustments are rwiting. A single optionwhether put or callrepresents a round lotor shares, of a given underlying stock. Call options are upwardly speculative securities by rwiting, at least from a buyer’s perspective. Investors who purchase a call option believe that the price of the underlying stock is going to rise, making money writing covered calls dramatically, but they may not have the cash to purchase as much of the stock as they would like. They can, therefore, pay a small premium to a seller or writer who believes that the stock price will either decline or remain constant.