3D·

Employee discount shares?

As an $AIR (+0.64%) employee, you always receive shares as a gift in February. This is then deducted from your monthly salary.


I have 5 options:

Buy 10 shares 9 as a gift

Buy 15 shares 12 as a gift

Buy 30 shares 20 as a gift

Buy 60 shares 35 as a gift

Buy 100 shares 55 as a gift


Which option would you choose? Or would you leave it alone?

8
26 Comments

profile image
24
If you believe in the company and you can afford it, then 100/55 is probably the best option.
The company would have to lose more than 35% in value for you to make a loss.

In addition, Airbus pays out dividends, if they remain as they currently are, then you will receive around €2,400 on top.
6
View all 4 further answers
profile image
I wouldn't think twice. Last option. I find your employer's offer very interesting.
3
Hey colleague from ADS here 🫡
I've been with the company for over a year and chose the highest option available to me last year.
It has paid off to date with just under 17%.
Last year it was also 3 years holding period.

Employee shares are almost always worthwhile if you can withstand economic fluctuations.
But that applies to the stock market in general
3
profile image
Relatively speaking, the first one makes the most sense, of course the last one. In the end, it depends on how you believe in the company. I think the middle would be a good option, you don't want to give away your whole salary.
2
View all 8 further answers
profile image
Hello colleague, I've been doing this since 2018 and it's definitely worth it. And I always try to sell after the expiry date so that I can buy another large package the following year. Remember that the allowance for the non-cash benefit for the large packages has been exhausted. After an increase, I believe it is now €2000, previously it was €1440. So if you receive 55 shares as a gift, this means that you only really receive 12 shares as a gift. You have to pay tax on the remaining 43 shares, or around €6800, at your probably rather high tax rate. I would do it anyway, of course, but just so you know. It reduces the real profit a little.
2
View all 2 further answers
profile image
I guess as a German Airbus employee I would take the 30/20 option, with a 6-digit annual salary rather more.

You have to consider the holding period in addition to the general diversification (Airbus salary + share portfolio). Also, the share price is usually not the best when the shares are purchased.

Airbus Portugal has an even smaller subscription option, namely buy 5 + get 5 free.
However, salaries there are on average 2-3 times lower than in Germany.
1
profile image
It's great that you have the opportunity! If you believe in the company and can afford it, I would choose the last option if I were you. :-)
1
Show answer
profile image
You need to know how much money you could potentially lose - I would base it on that. And you should bear in mind that you're building up a certain amount of cluster risk through shares and your job at the same company. And the 30/20 action is not a small amount of money. You could also deliberately take money and diversify in order to balance out the purchase. In other words, money that you would otherwise have invested. But the offer is of course tempting. Of course.
View all 2 further answers
Join the conversation