Employee stock purchase plans (ESPPs) allow employees to buy discounted company shares through payroll deductions. While they can be beneficial, it's crucial to understand the rules and risks before opting in. Consider factors like tax treatment, contribution limits, and market performance. Some ESPPs offer significant discounts and flexible purchase options, while others may have stricter rules. It's essential to carefully review the plan documents and weigh the pros and cons before making a decision.
Gold is considered a safe haven during economic turmoil, but its returns are historically modest compared to stocks and bonds. Experts suggest investing a small portion (less than 5%) of one's portfolio in gold as a financial safeguard, but it's unlikely to generate substantial gains during stable market conditions.
