You don’t always need to take a directional wager — that’s a common trap that newbie retail investors fall into. In much the same way that football teams very rarely go for it on fourth down, most times, it’s better to punt the ball and regroup. That may be the prudent approach with Chinese electric vehicle manufacturer Nio (NIO). To be sure, NIO stock is one of the most exciting opportunities in the market right now. On Monday, shares gained just under 11%. In the past five sessions, stakeholders enjoyed a return of almost 40%. Of course, the catalyst stemmed from encouraging developments tie…