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文科框架对股票的决定

股票补偿可以导致许多成功的职业生涯,可能代表了很大一部分的整体净值。我们与布鲁斯洞穴,董事总经理财富管理强调的一些注意事项,员工应该考虑他们的股权奖励。但员工股票购买计划的步骤变成财富需要计划来帮助实现人生目标。

第一部分是一个有七个步骤框架1通过明智的决定帮助连接计划的梦想……的集中变化苏格拉底的古老的禁令“认识你自己!”

1。值

钱是什么意思?

没有对或错的答案,但是每个人需要知道什么是最重要的。

兴奋的投资

刺激经济增长的

家庭安全(5,10,25年)

提示:是真的等金融价值的能力(或不)承担风险和计划。

2。目标

什么是员工的个人和职业目标和风险的直接,长短期吗?

应急基金:

3 - 6个月的生活费用

短期:

假期
教育
第二个家
礼物给慈善机构

长期:

退休的目标
提示:计划和理解与流动性事件影响的目标。要警惕可能会短暂昏厥。

3所示。的关系

还有谁是旅程的一部分?

整体计划股票补偿承认生活是与他人共享。

社区
立即或大家庭
慈善机构或宗教信仰
宠物
提示:关系发展或改变随着时间的推移,记得相应更新计划。

最好的建议是实现终身目标计划。
试图赶上玩不起作用。

布鲁斯借|财富管理董事总经理

4所示。资产

的位置和分配各种资产的水桶,超出了employeestock购买计划吗?

资产可能在退休计划,大学基金或房地产。它可能在股票,债券或现金。可能是在征税,税收递延或免税账户。

在哪里
的资产?
股票补偿适应如何?
需要满足目标是什么样的回报?
随着时间的推移这将会怎样改变?
提示:有效的决策需要一个综合金融的画面。

5。顾问

谁可以帮助作出正确的决定作为员工的一部分金融旅程吗?

专业人员不仅可以帮助准备总体规划,但也帮助做出调整。

税务顾问
财务顾问
法律顾问
提示:不仅对于复杂的规划决策,还专业资源帮助整体股权补偿基本理解。

6。投资组合的过程

什么过程效果最好,给定的时间,职业和其他约束的决策实现生活目标吗?

从一开始就明白什么最有意义,如检查:

每月
季度
Semianually

范围和决定专注于为每个组合检查:

集中的股权
或
完整的多元化投资组合
提示:多元化决策在最好的时间可能会减少一些风险来帮助实现总体目标。

7所示。利益

员工的利益是什么,他们是如何可能随时间改变?

随着股权薪酬增长,这可以成为一个重要的整体计划的一部分。

旅行
身体活动
慈善事业
提示:赠送策略,例如,股票以较低的成本变得尤为重要。

“你的价值观和目标将决定当你想出售或当你想分散你的股票。”

布鲁斯借|财富管理董事总经理

一个不断发展的基本框架


事业,家庭和目标发展,这七个因素将转变。一个好的计划也将如此。但确切地了解股票补偿提供了什么,它是如何连接到整体财富和生活,和决策的框架是什么只是不完美adherence-helps导致更少的措手不及反应和潜在的更好的结果。

接触摩根士丹利(Morgan Staraybet炉石传说nley)在工作中学习如何摩根士丹利(Morgan Stanley)的股权奖励分析工具有助于进一步帧其中一些重要的决定。

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披露的信息

1 https://www.cegworldwide.com/

资产配置、多样化和平衡不保证获利或防止损失。可能有潜在的税含义再平衡战略。前请咨询你的税务顾问实施这一战略。

raybet炉石传说摩根士丹利(Morgan Stanley)在工作中,Shareworks,摩根士丹利美邦公司及其子公司、员工和财务顾问不提供法律或税务建议。个人应该咨询他们的税/法律顾问之前任何税收/ legal-related投资决策。

raybet炉石传说摩根士丹利(Morgan Stanley)在工作中服务由摩根士丹利美邦LLC提供SIPC成员及其同伙,摩根士丹利(Morgan Stanley)的全资子公司。

©2022年摩raybet炉石传说根士丹利美邦公司成员SIPC。

CRC # 4965903 (09/2022)

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} .relationship-inner-div { width: 45%; margin-bottom: 0.5rem; } .interests-inner-div { width: 30%; text-align: center; } .final-inner-div { width: 45%; text-align: center; } .values-inner-div p { margin: 0.7rem 0rem 1.875rem 0rem; font-size: 0.9rem; } .quotes-text { font-size: 1rem; } } /* Medium devices (tablets, 768px and up) */ @media (min-width: 768px) { .heading-two { padding: 0rem 3.25rem; margin-bottom: 2rem; } .equity-heading { font-size: 2.8rem; } .equity-decisions p { font-size: 1.125rem; padding: 0rem 0.5rem; } .values-inner-div { width: 30%; } .goals-description.border-arrow::after { width: 100%; height: 29px; border-bottom: 2px dashed #929191; transform: translate(0%, -100%); left: 0%; top: 100%; } .goals-description.border-arrow::before { width: 100%; height: 29px; border-top: 2px dashed #929191; transform: translate(0%, 0%); left: 0%; top: 0%; } .relationship-inner-div { width: 45%; margin-bottom: 0.5rem; } .assets { padding: 3.75rem 0rem } .assets-inner-div { width: 45%; text-align: center; } .interests-inner-div { width: auto; text-align: center; } .tip { margin-bottom: 1.25rem; } .get-in-touch h2 { text-align: center; padding-bottom: 0rem; font-size: 2.5rem } .values-inner-div p { margin: 1rem 0rem 1.875rem 0rem; font-size: 1rem; } .relationships .sub-heading { padding-bottom: 3.75rem; line-height: 1.875rem; } .small-heading { margin-top: 1rem; } .quotes h2 { font-size: 1.7rem; } .quotes-text { font-size: 1.2rem; line-height: 1.875rem; padding: 1.75rem 0.5rem; font-weight: 600; text-align: center; } .pv-h-2 { padding: 2rem; } .equity-decisions { padding: 2rem 4% 1.2rem 4%; } .values { padding: 3.75rem 4%; } .goals { padding: 3.75rem 4%; } .relationships { padding: 3.75rem 4%; } .quotes { padding: 0rem 4%; } .assets { padding: 3.75rem 4%; } .advisors { padding: 3.75rem 4%; } .process { padding: 3.75rem 4%; } .interests { padding: 0rem 4% 3rem 4%; } .get-in-touch { padding: 3.75rem 4%; } .module.disclosures-and-legal__module { padding: 0rem 4% !important; } } /* Large devices (desktops, 992px and up) */ @media (min-width: 992px) { br { display: block; } .heading-one { padding: 0rem; } .heading-two { padding: 0rem 6.25rem; margin-bottom: 2.625rem; } .sub-heading { line-height: 2.5rem; } .equity-heading { font-size: 3.2rem; } .equity-decisions { padding: 7rem 0rem 4.7rem 0rem; } .equity-decisions p { font-size: 1.125rem; padding: 0rem 3rem; margin: 0rem 0rem 1.75rem 0rem } .equity-decisions p.framework-subheading { font-size: 1.75rem; margin-top: 0rem; padding: 0rem 3rem; } .values-inner-div { width: 30%; } .values-inner-div p { font-size: 1.125rem; } .goals-description-container { display: flex; align-items: stretch; flex-direction: row; } .goals-description.padding-left { padding-top: 0rem; } .goals-description.border-arrow { padding-top: 0rem; } .goals-description.border-arrow::after { width: 29px; border-right: 2px dashed #929191; height: 334px; } .goals-description.border-arrow::before { width: 29px; border-left: 2px dashed #929191; height: 334px; } .relationship-inner-div { width: 24%; padding: 0rem 1rem; } .tip { padding: 0rem; margin-bottom: 3.75rem; } .assets { padding: 3.75rem 0rem } .assets .sub-heading { padding: 0rem 6rem; margin-bottom: 2rem; } .assets-inner-div { width: 23%; text-align: center; } .advisors-inner-div { width: auto; text-align: center; } .advisors .sub-heading { padding: 0rem 6.25rem; margin-bottom: 3.313rem; } .process .sub-heading { line-height: 2.5rem; width: 100%; padding: 0rem; padding-bottom: 3.25rem; text-align: center; } .process-type-div { display: flex; justify-content: space-around; align-items: center; text-align: center; width: 60%; padding-bottom: 4rem; position: relative; } .process-focus { width: 90%; } .interests-inner-div { width: auto; text-align: center; } .number-div { margin: 0rem; } .final-inner-div { width: 30%; padding: 2.25rem 0rem; text-align: left; } .final-inner-div p { font-size: 1.125rem; line-height: 1.325rem; font-weight: 300; padding: 0rem 2rem 0rem 0rem; } .get-in-touch h2 { text-align: left; margin-bottom: 1.25rem; } .goals-description:nth-of-type(1), .goals-description:nth-of-type(3) { width: 25%; display: flex; text-align: center; justify-content: center; flex-direction: column; } .goals-description:nth-of-type(2) { display: flex; flex-direction: row; flex-wrap: wrap; align-items: center; margin: 0rem 1rem; justify-content: center; } .goals-description.padding-right { padding-right: 2.3rem; flex-basis: auto; justify-content: flex-start; flex-grow: 1; } .goals-description.padding-right .small-heading { padding: 0rem 2rem; } .goals-description.padding-left { padding-left: 2.3rem; flex-basis: fit-content; justify-content: flex-start; } .goals-description.border-arrow { position: relative; width: 50%; } .goals-description.border-arrow::after { content: ''; position: absolute; top: 100%; left: 100%; width: 29px; border-right: 2px dashed #929191; border-left: 0px; border-top: 0px; border-bottom: 0px; height: 100%; transform: translate(-100%, -100%); } .goals-description.border-arrow::before { content: ''; position: absolute; top: 0%; left: 0%; width: 29px; border-left: 2px dashed #929191; border-top: 0px; border-right: 0px; border-bottom: 0px; height: 100%; transform: translate(0%, 0%); } .values-inner-div p { margin: 1.875rem 0rem; } .relationships .sub-heading { padding-bottom: 3.75rem; line-height: auto; } .small-heading { margin-top: 1.25rem; } .quotes h2 { font-size: 1.875rem; } .quotes-text { font-size: 1.125rem; line-height: 3.125rem; padding: 1.125rem 0rem 2.75rem 0rem } .process-inner-div.pv-h-2 { width: auto; } .process-type-div::after { width: 102%; } .divider { margin: 3.75rem 0rem 2.5rem 0rem; } } /*Extra Large Devices(1200 and up) */ @media (min-width: 1200px) { .msaw-container { margin-top: 86px; } .equity-decisions { padding: 3.75rem 0.5% 3.75rem 0.5%; } .values { padding: 3.75rem 0.5%; } .goals { padding: 3.75rem 0.5%; } .relationships { padding: 3.75rem 0.5%; } .quotes { padding: 0rem 0.5%; } .assets { padding: 3.75rem 0.5%; } .advisors { padding: 3.75rem 0.5%; } .process { padding: 3.75rem 0.5%; } .interests { padding: 0rem 0.5% 3rem 0.5%; } .get-in-touch { padding: 3.75rem 1.5%; border-bottom:1px solid #929191; } .module.disclosures-and-legal__module { padding: 0rem 1.5% !important;; } .process-focus { justify-content: center; } }">