jumpingpanda
New Member
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Max out your pension into a global equity fund. Cash in your stocks when they vest and put it into your mortgage.What specific question do you have or what issues are of concern to you?
Our risk appetite is decent but still we believe we have too much exposure to company stocks and stocks in general. We definitely would like to reduce ownership of company stocks and increase our pension contributions. We are wondering how could we diversify our investments and how to balance it out with mortgage overpayments?
Yes these are fully vested my employer stocks which are growing at a good rate. Because of my lack of clarity on where to invest for high return, low mortgage rate for fix period and stock growth I have been lazy to liquidate them. But the risk does worry me.If "company shares" mean shares in your employer then there's a strong argument to liquidate them at the earliest and most cost/tax effective opportunity
These are fully vested. Thanks to older threads I have learned I could contribute to pension for the last year as well. I am thinking to make AVC contribution for both of us for last year before putting it in mortgage. What do you think about this approach?Cash in your stocks when they vest and put it into your mortgage.
we invest about €1k-1.5k per month in stocks
Other stocks: €80k
Thanks Brendan. Pardon my ignorance but I am not aware of any minimum holding period. I am allowed to sell them as they vest. From the comments I am guessing that some companies might have holding period restriction but I believe there is nothing from revenue perspective. Both short term and long term holdings are taxed equally. Am I right in my understanding or am missing something. Apologies if it is too naive.I presume most tax effective means - wait until the minimum holding period.
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