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Employee discount shares

Gökhy · 2025-01-06T23:33:20.347677Z

As an $AIR 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?

Tojasoku@Tojasoku

2Sem.

100/55

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Eggplant@Eggplant

2Sem.

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.

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Gökhy@Gokhy29

2Sem.

@Eggplant How did you come up with the 2x 400€?

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Eggplant@Eggplant

2Sem.

@Gokhy29 155 shares x € 2.8 dividend = € 434 x 2 years (minimum holding period)

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Gökhy@Gokhy29

2Sem.

@Eggplant oh well, the minimum holding period is now almost 3 years 🥹

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Johnny B.@JBatelli

2Sem.

Last year there was also a special dividend of €1.

So I would rather expect €1.80 or €1.90 or €2 in the event of an increase.

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Daniel@Bidax

2Sem.

I wouldn't think twice. Last option. I find your employer's offer very interesting.

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Manu@Unam308

2Sem.

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

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Johnny B.@JBatelli

2Sem.

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.

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Gökhy@Gokhy29

2Sem.

@JBatelli how much tax do you pay on 6800 euros of donated shares?

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Johnny B.@JBatelli

2Sem.

With a tax rate of 40%. That means you earn 3000€ net with 5000€ gross. Then it would be about 2720€ taxes.

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Gökhy@Gokhy29

2Sem.

@JBatelli 😮 Excuse me? Then it's no longer worth buying shares?

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Gökhy@Gokhy29

1Sem.

@JBatelli you've completely confused me. I don't pay 40% tax on donated shares. Otherwise nobody would buy them anymore

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Johnny B.@JBatelli

1Sem.

Well, Germany always wants to get something out of gifts :D I'll tell you what happened to me last year, for example:
I bought 29 shares in 2024 and received 20 as a gift. 20 shares at the then value of €150.26, which means €3005.2 in donated shares.
In any case, I then received approx. 1430€ on the gross amount with the note 20 shares and 1430€ was deducted from the net amount. In my opinion, this means that I paid tax on these 1430€ at my personal tax rate. But 40% is probably an exaggeration, yes, but I'm very sure that donated shares have to be taxed above the allowance for monetary benefits.

But I'll check again.

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Gökhy@Gokhy29

1Sem.

@JBatelli I once asked a colleague and he said the same thing. Probably not that high, but you should pay at least 20% of it. :D

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ThemenmitKopf@topicswithhead

2Sem.

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.

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Gökhy@Gokhy29

2Sem.

@topicswithhead I can pay it in 3 monthly installments😅 with 30 shares, I would then pay 1600 euros a month. I thought I would pause my savings plan for 3 months and buy the Airbus share.

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ThemenmitKopf@topicswithhead

2Sem.

@Gokhy29 You probably can't sell them immediately, so you have to be aware that the money is stuck. Otherwise, give away as much of your wages as you can. 30/20 would be the most attractive to me, unless you can afford 100/55. Ideally, it shouldn't make up too much of your portfolio.

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Gökhy@Gokhy29

2Sem.

@topicswithhead exactly. I have to hold it for 2 years. The share has to lose almost 50% for me to be at 0. But I hardly believe that. I think the share will be over 200 euros by 2035.

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Bullnbear@Bullnbear

2Sem.

I would probably take the last one. Where are the shares bought, are they held by the company and can you transfer them to yourself after a period of time? Where do the dividends go if they are withheld?

I wish my AG $HLT would offer something like this.

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LarryLindt@LarryLindt

2Sem.

@Gokhy29 The other question is:
If you invest the money for the Airbus shares (i.e. your salary) yourself, will you make more from it in 2 years via other shares/ ETFs than the company gives you?

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Eggplant@Eggplant

2Sem.

@LarryLindt Another consideration: If the share were to move sideways or even rise, the etf would have to gain more than 50% in value in 2 years to even be considered as an alternative.

There is also the case that the share falls, but if you don't believe in the share, you won't add it to your portfolio anyway. And the ETF can also fall or move sideways and you don't have a 30% buffer there, but the diversification as a security element...

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LarryLindt@LarryLindt

2Sem.

@Eggplant totally !!! Just something to consider when deciding the quantity. Of course the more you get for free the better

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Gökhy@Gokhy29

2Sem.

@LarryLindt You're right, but I believe in Airbus. I will probably choose the 30/20 option. That's 3200 euros that will be given away + the 140 dividend payout.

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Malte@Malte123

2Sem.

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.

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Scepp@Scepp

2Sem.

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. :-)

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Gökhy@Gokhy29

2Sem.

@Scepp that would be 16,000 euros. I earn just over 5 net per month. I still have a bit of money set aside, but I will probably choose the 30/20 or 60/35.

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Martin W.@MineraLogik

2Sem.

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.

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Gökhy@Gokhy29

2Sem.

@MineraLogik the Airbus share would have to fall by about 45% for me to lose money... i can't imagine that... unless there's another pandemic.

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Martin W.@MineraLogik

2Sem.

@Gokhy29 It's not about whether you can imagine it or not. If you are convinced, then do it. You have to take responsibility for it anyway. Diversification is about minimizing risk. But you have to know that for yourself.

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