B**M
发帖数: 313 | 1 换而言之，RSU有long term之说吗？
vest的时候已经交过税，已经超了一年，不知道vest后涨的那部分利润算不算long
term?
谢谢！ |
X****N
发帖数: 376 | 2 Yes, it's long term capital gain.
Holding RSU is not always the best investment solution, as it is like you
are using your money to buy the stock from open market.
It would make more sense to hold ESPP and sell RSU.
【在 B**M 的大作中提到】
: 换而言之，RSU有long term之说吗？
: vest的时候已经交过税，已经超了一年，不知道vest后涨的那部分利润算不算long
: term?
: 谢谢！
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B**M
发帖数: 313 | 3 thanks!
【在 X****N 的大作中提到】
: Yes, it's long term capital gain.
: Holding RSU is not always the best investment solution, as it is like you
: are using your money to buy the stock from open market.
: It would make more sense to hold ESPP and sell RSU.
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f***c
发帖数: 36 | 4
股价掉了，不管ESPP还是RSU都亏钱。而且ESPP的long term要求时间更长。
【在 X****N 的大作中提到】
: Yes, it's long term capital gain.
: Holding RSU is not always the best investment solution, as it is like you
: are using your money to buy the stock from open market.
: It would make more sense to hold ESPP and sell RSU.
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x******g
发帖数: 3952 | 5 I wouldn't hold on to ESPP either. :-)
【在 X****N 的大作中提到】
: Yes, it's long term capital gain.
: Holding RSU is not always the best investment solution, as it is like you
: are using your money to buy the stock from open market.
: It would make more sense to hold ESPP and sell RSU.
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B**M
发帖数: 313 | 6 为何ｅｓｐｐ的 long term更长？ 超过１年？
【在 f***c 的大作中提到】
:
: 股价掉了，不管ESPP还是RSU都亏钱。而且ESPP的long term要求时间更长。
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e*******r
发帖数: 485 | 7 从定价起两年和买股票起一年中长的那个。
【在 B**M 的大作中提到】
: 为何ｅｓｐｐ的 long term更长？ 超过１年？
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B**M
发帖数: 313 | 8 这么复杂？
就是超过定价2年并且买股票1年，两个条件都满足？还是只需要满足一个？
【在 e*******r 的大作中提到】
: 从定价起两年和买股票起一年中长的那个。
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k****i
发帖数: 1126 | 9 那stock options能变成Long term gain吗？
【在 B**M 的大作中提到】
: 这么复杂？
: 就是超过定价2年并且买股票1年，两个条件都满足？还是只需要满足一个？
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X****N
发帖数: 376 | 10 I mean if you want to hold some stocks from ESPP or RSU, holding ESPP makes
more sense than holding RSU.
When talking about ESPP, there are three import prices: strike price (
exercise price, similar to grant price for ISO), market price at exercise
and sale price. Also there is discount, usually at 15%. There would be many
cases for the combinations.
Here is an example of ESPP: The stock goes from $10 to $22 during ESPP, ESPP
strike price is $10. With 15% discount, you get the stock at $8.50. The you
sell the stock at $35 later.
Here is the explanation:
$8.50 - your exercise price.
$8.50 - $10.00 - your discount
$10.0 - $22.00 - your capital gain at exercise
$22.0 - $35.00 - your capital gain while holding.
You are not taxed until sale. They are taxed differently with different
holding period. I will not be able to give advise here as I am not CPA. You
can see your CPA for clarification.
【在 f***c 的大作中提到】
:
: 股价掉了，不管ESPP还是RSU都亏钱。而且ESPP的long term要求时间更长。
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J**9
发帖数: 835 | 11 Right.
Risk wise: you don't want to lose some of your salary, so you sell ESPP
quickly to guarantee at least 15% gain.
As to RSU, it's free anyway. You can afford the risk to hold longer.
【在 x******g 的大作中提到】
: I wouldn't hold on to ESPP either. :-)
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m*******i
发帖数: 8711 | 12 RSU is part of your compensation too, it is no different from your salary.
【在 J**9 的大作中提到】
: Right.
: Risk wise: you don't want to lose some of your salary, so you sell ESPP
: quickly to guarantee at least 15% gain.
: As to RSU, it's free anyway. You can afford the risk to hold longer.
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X****N
发帖数: 376 | 13 It's another story if you don't want to hold ESPP and RSU.
If you have both ESPP and RSU and want to hold some, holding ESPP may have
some tax benefit.
For example, if you have 500 shares of RSU and 500 shares of ESPP from $8.50
. Now the price is $22. You should sell RSU and keep ESPP. You will pay much
less tax after long holding (18 months) when stock price goes up. BUT YOU
WILL HAVE LESS CAPITAL LOSS IF THE STOCK PRICE GOES DOWN. Be warned. It will
be your own call.
In short, you have to spend either money by consulting CPA, or time by
searching on internet, if you want to reduce your tax. There is no simple
and easy answer for all cases.
【在 J**9 的大作中提到】
: Right.
: Risk wise: you don't want to lose some of your salary, so you sell ESPP
: quickly to guarantee at least 15% gain.
: As to RSU, it's free anyway. You can afford the risk to hold longer.
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t****t
发帖数: 95 | 14 1 share of RSU = 1 share of ESPP
i don't see any reason treating rsu differently than espp.
【在 J**9 的大作中提到】
: Right.
: Risk wise: you don't want to lose some of your salary, so you sell ESPP
: quickly to guarantee at least 15% gain.
: As to RSU, it's free anyway. You can afford the risk to hold longer.
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J**9
发帖数: 835 | 15 Let me put it another way:
You live on your salary, it's okay that you don't have any RSU.
If the stock goes down big way, you'll lose some of your salary from ESPP.
You can lose all your RSU without affecting your life since RSU is extra
money.
That's the point. :-)
【在 t****t 的大作中提到】
: 1 share of RSU = 1 share of ESPP
: i don't see any reason treating rsu differently than espp.
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J**9
发帖数: 835 | 16 Unless your ESPP or RSU is worth millions.
Who cares about the tax difference? :-)
50
much
will
【在 X****N 的大作中提到】
: It's another story if you don't want to hold ESPP and RSU.
: If you have both ESPP and RSU and want to hold some, holding ESPP may have
: some tax benefit.
: For example, if you have 500 shares of RSU and 500 shares of ESPP from $8.50
: . Now the price is $22. You should sell RSU and keep ESPP. You will pay much
: less tax after long holding (18 months) when stock price goes up. BUT YOU
: WILL HAVE LESS CAPITAL LOSS IF THE STOCK PRICE GOES DOWN. Be warned. It will
: be your own call.
: In short, you have to spend either money by consulting CPA, or time by
: searching on internet, if you want to reduce your tax. There is no simple
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t****t
发帖数: 95 | 17 i do not agree. they're all called "money" at the end of the day, unless
you treat $1 differently from the lump of 4 quarters. lol
【在 J**9 的大作中提到】
: Let me put it another way:
: You live on your salary, it's okay that you don't have any RSU.
: If the stock goes down big way, you'll lose some of your salary from ESPP.
: You can lose all your RSU without affecting your life since RSU is extra
: money.
: That's the point. :-)
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X****N
发帖数: 376 | 18 There is no point to open this post if we don't care the tax difference.
There are big tax difference if your ESPP goes from $3 to $30, even if it is
rare but it happens. But like all investments, you have to take some risk
to gain.
【在 J**9 的大作中提到】
: Unless your ESPP or RSU is worth millions.
: Who cares about the tax difference? :-)
:
: 50
: much
: will
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n****i
发帖数: 1772 | 19 that's bull, period.
There is less difference between RSU and ESPP. The only difference comes
from how the 15% of discount would be treated, either short term or long
term capitical gain/ loss, or even payroll income tax bracket.
In your example, the difference is if 10% x 15% of your half year salary
should be short term capital gain or income tax, which is roughly 15% to 20%
, so about 0.2% half year salary difference.
50
much
will
【在 X****N 的大作中提到】
: It's another story if you don't want to hold ESPP and RSU.
: If you have both ESPP and RSU and want to hold some, holding ESPP may have
: some tax benefit.
: For example, if you have 500 shares of RSU and 500 shares of ESPP from $8.50
: . Now the price is $22. You should sell RSU and keep ESPP. You will pay much
: less tax after long holding (18 months) when stock price goes up. BUT YOU
: WILL HAVE LESS CAPITAL LOSS IF THE STOCK PRICE GOES DOWN. Be warned. It will
: be your own call.
: In short, you have to spend either money by consulting CPA, or time by
: searching on internet, if you want to reduce your tax. There is no simple
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x******g
发帖数: 3952 | 20 That 15% will never be long term gain. No matter how long you hold.
20%
【在 n****i 的大作中提到】
: that's bull, period.
: There is less difference between RSU and ESPP. The only difference comes
: from how the 15% of discount would be treated, either short term or long
: term capitical gain/ loss, or even payroll income tax bracket.
: In your example, the difference is if 10% x 15% of your half year salary
: should be short term capital gain or income tax, which is roughly 15% to 20%
: , so about 0.2% half year salary difference.
:
: 50
: much
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m*******i
发帖数: 8711 | 21 The 15% is already on your W2, which is treated as your regular income.
【在 x******g 的大作中提到】
: That 15% will never be long term gain. No matter how long you hold.
:
: 20%
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n****i
发帖数: 1772 | 22 Nope. It will be treated as long term gain and taxed when you sell. It was
called "Qualified disposition"
Long term gain rule is the same for RSU and ESPP concerning the gain between
selling price and fair market value; only the discount value is subject to
2 year and/or 18 months rules.
That is usually 15% * 10% * base salary = 1.5%, the difference could be 33%
- 15%, so 1.5% * 18% =0.27% of base salary. Not a big deal, period.
【在 m*******i 的大作中提到】
: The 15% is already on your W2, which is treated as your regular income.
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n****i
发帖数: 1772 | 23 That's definitely wrong. It will be taxed as long term gain after 18 and/or
24 months depending on your company policy.
【在 x******g 的大作中提到】
: That 15% will never be long term gain. No matter how long you hold.
:
: 20%
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x******n
发帖数: 1328 | 24 公司已经把这部分（15%的price discount）弄到w2上了，如何在填税表的
时候把它变成 LONG TERM CAPITAL GAIN？
or
【在 n****i 的大作中提到】
: That's definitely wrong. It will be taxed as long term gain after 18 and/or
: 24 months depending on your company policy.
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n****i
发帖数: 1772 | 25 That is called 'non-qualified ESPP'. Simple put, you can not.
Your company/employer did not enroll you in a qualified ESPP, it is
basically the same as giving you a bonus in the form of company's stock and
worse, they also locked part of your income in the stock.
【在 x******n 的大作中提到】
: 公司已经把这部分（15%的price discount）弄到w2上了，如何在填税表的
: 时候把它变成 LONG TERM CAPITAL GAIN？
:
: or
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