How Does An Employee Stock Purchase Plan Work? | Money Unscripted | Fidelity Investments

Does your company offer an employee stock purchase plan (ESPP)? If so, it could be a way to help save for a new house, your child’s education, or build your retirement nest egg—all while investing in your company. Money Unscripted host Ally Donnelly and Fidelity pro Emily Cervino walk through the potential advantages, crunch the numbers, and break down the tax implications behind this often-overlooked workplace benefit. Watch now. 00:00 Welcome to Money Unscripted 01:04 What is an Employee Stock Purchase Plan and what benefits can it offer? 02:51 How does an ESPP work? 06:29 How do I sell my shares? 08:21 What do workers say about investing in their company? 10:55 How do taxes work with an ESPP? 12:07 How likely is it that my company offers an ESPP? 12:51 Why are ESPPs underutilized? 14:26 Why do companies offer ESPPs? 15:16 What questions should I ask if I’m considering an ESPP? 16:34 What if I leave my company? 17:52 How can an ESPP be a first step into investing? 18:34 ESPPs: A recap Questions? Drop them below 👇 and we’ll reply right in the comments. Invest in your work and your future with an ESPP: https://www.fidelity.com/go/stock-pla... 6 employee stock plan mistakes to avoid: https://www.fidelity.com/viewpoints/p... View all episodes here: https://www.fidelity.com/learning-cen.... New episodes drop bi-weekly on Tuesdays. Have a comment or episode idea? We’d love to hear from you! Email us at [email protected]. Be sure to follow, like, and share Money Unscripted! • To see more videos, subscribe on YouTube:    / fidelityinvestments   • Follow Fidelity on Reddit:   / fidelityinvestments   • Follow Fidelity on Instagram:   / fidelityinvestments   • Follow Fidelity on TikTok:   / fidelityinvestments   • Follow Fidelity on Facebook:   / fidelityinvestments   • Follow Fidelity on LinkedIn:   / fidelity-investments   • Follow Fidelity on Discord:   / discord   • Ask Fidelity on X:   / fidelity   Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 © 2025 FMR LLC. All rights reserved. 1187371.2.0