ESPP - sell immediately or hold for how long?

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You pay earned income tax on the 15% discount no matter what.

Capital gains/losses are based on full FMV, not discounted FMV.

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Sell now, pay earned income tax rate. Hold for 1 year, pay capital gains rate

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Sell and dump it in your IRA.

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Sell if you need money hold if not - ACN pays dividends at least once a year and the company so far is doing well. Stocks in general is a tricky business - just a couple months back ACN was at 170 + range but all the tech stocks tanked it’s back to the 150 + range

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Which rate is higher ? If I remember correctly, selling after 1 year saves you the most money (given the stocks don’t go down too much within the year)

Your earned income rate is higher - you will pay tax on the diff between the price when you sell and the discounted purchase price - $134.5763

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