Should I buy IBM 15% discounted stocks? Also, how does espp works, it’s my first enrollment. Can I sell anytime or is there any selling window?
Yes, you should buy via ESPP, max you are allowed/able to financially. Worst case sell immediately and collect profits.
Yes buy with discount and sell it as soon as u get it. Let’s say you are making 100k and they cap 10% paycheck for espp with 15% discount, essentially your pay went up to 101.5k if you enroll to espp and max it out.
Doesn’t this largely depend on how you’re taxed for it?
The cap is applied to before tax amount and when u sale the espp it will do the same tax as income
Not worth it.
Do the math and don’t leave free money on the table.
It's totally worth it. Put as much in as you can afford and sell immediately for 15%. The 15% profit gets taxed as ordinary income or short term capital gains. If you hold longer than a year (personally not recommended for IBM), then you will likely pay less on tax(long term capital gains and depends on your income tax bracket) but with the risk of the market price fluctuating.
I don’t recommend holding Uber stock 😅
It’s only worth it when stock goes up.
Not true. 15% is free money and you sell immediately
And then you pay taxes on those gains. Don’t get me wrong, I’ve made a lot of $$ with ESPP, but when the stock doesn’t move or go down it’s 🥜🥜
Does IBM have look back benefit for ESPP? If so, then it’s a no brainer.
Yeah 100% worth it. I made some serious gains while the stock dropped and went back up, and then sold it all.
It’s worth it and good investment
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Yes, sell anytime once vested