Hi,
I have a number of stock options that will vest over the coming years, but can only be exercised up until 2030, when I still intend to be working - currently just turned 50.
I have a company pension plan and I also put additional contributions (some regular, some lump sum) into various non-standard PRSAs - invested in ETFs intended for long-term hold (QQQ)
I'm trying to determine if it's better to sell some of my stock options and put the proceeds into my PRSA, to maximise the amount contributions that can avail of the highest rate of tax. Or hold all of the stock options and pay CGT when I exercise them.
If we consider that the ETF and the stock both appreciate identically over the next 10 years, which is the better option, considering the tax implications of each approach ?
TIA,
RebelC