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Meinung gefragt - DHL Aktienprogramm

Hallo, durch das Mitarbeiterprogramm von $DHL (+0.22%) bekommt man 15% Rabatt auf jede Aktie (keine Haltedauer). Allerdings darf man max. 300€ pro Quartal investieren.

Beispiel: 1.000,00€ = 190,38€/19% Rendite pro Jahr (15% Rabatt + Dividende)

Wie findet ihr das? Gut, schlecht, bessere Alternativen?

Danke euch! ☺️

20 Comments

GHF@GHF

A guaranteed return of 15–19% plus additional long-term growth is great.
But even here, I wouldn't put all my eggs in one basket.

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Malte@Malte123

Depending on your strategy, you could treat it more as a side investment, and maybe invest more if the price is low. But it's not a huge deal.

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Keineui@Keineui

@Malte123 Huh? Not a good deal? You can buy as many shares as you want at a 15% discount and sell them right away at the current price? He said there’s no holding period. I’d take full advantage of that right away.
And even if there were a holding period, with a 15% discount on $DHL, I’d expand my position immediately!

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Endurance@MozartsGeist

We used to have that here, too. You could invest up to 10% of your gross salary in company stock. The company would then match that amount with an additional 10% in stock. What’s there to think about?? And it’s a behemoth like DHL, too!

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Malte@Malte123

I was thinking more along the lines of "buy and hold." You're right—if he sells it right away, that does make sense...

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PresidentDonkey@DonkeyInvestor

Ask your coworker @Simpson

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Homer@Simpson

@DonkeyInvestor As a package delivery driver, in 20 years I've never heard a word about employee stock from my bosses or the department heads 😂

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Phil@PhilPS

@Simpson It has just been launched. The program is called MyShares. All the details are available on the intranet.

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Habakuk30000@Habakuk30000

Maybe I'm missing something here, but this is practically a money glitch. By selecting “no holding period,” I sell them right away the next day and pocket the 15% return. In general, I think employee programs like this are cool, and I think you should always take advantage of them (unless you know you’re in deep trouble).

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Phil@PhilPS

@Habakuk30000 There's no correct holding period. However, you can invest a maximum of 900€ per quarter. It's still a money glitch, though. About 80€ per quarter, or 320€ per year 😅

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stock_whiz_913@stock_whiz_913

The only thing I don't like is that you can only invest 300 euros per quarter. Other than that, it's a great deal 👍

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Phil@PhilPS

@stock_whiz_913 300€ per month—sorry 🙈 900€ per quarter. The post has been corrected.

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user299fbf3f76114081@user299fbf3f76114081

Please keep in mind that the 15% discount is taxed as a monetary benefit at the time of purchase. Therefore, the actual return on an immediate sale will likely be closer to 8%.

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Veronika@Veronika

@user299fbf3f76114081 For employee stock purchase plans open to all employees, there is an annual tax exemption of 2,000€. This limit is not exceeded here. Furthermore, taxes on the benefit would be assessed at the employer’s end at the time of purchase (if the €2,000 limit is exceeded—just like salary) and not at the time of sale.

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BoldTake@BoldTake

That's a pretty good deal. You can buy the euro for 85 cents.
Are there any specified minimum holding periods?

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Phil@PhilPS

@BoldTake No, it can be resold right away

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BoldTake@BoldTake

Then this offer is really amazing!
As long as you stay under your tax-free allowance, it’s a “free lunch.”
Theoretically, you could reinvest it right away into something else.
The alternative perspective is that you’ll achieve an even better dividend yield thanks to the lower purchase price.
Personally, I’d take full advantage of the monthly amount and then, depending on my risk tolerance, sell off a significant portion :)
(This is not investment advice ;)

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One L.@One_Life_Risk_Once

Kaufen!

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Christoph@Christoph

You can only make a purchase once a year with us. Discounts vary from year to year. They range from 35 to 50 percent, and the holding period is 2 years. 10 percent of the annual gross income. And yes, it must be taxed as a monetary benefit.

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Veronika@Veronika

@Christoph but only the amount that exceeds the annual benefit of 2,000€

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