selling or keeping

comeracing · Post by **comeracing** » 11 Sep 2016, 20:00

October shares selling or keeping.

DocketLefty · Post by **DocketLefty** » 11 Sep 2016, 20:22

worth holding out as the price of them with fall whilst everyone else is selling them.

Post by **eastie** » 11 Sep 2016, 20:41

leave it a few weeks if you are selling as if you sell on or near the day they will drop in price by at least 10%.
Wait till they recover in say 2 weeks then sell.
Personally I would keep them as they will be 20% down with tax so £5 a share will be £4 a share

Spedley · Post by **Spedley** » 11 Sep 2016, 21:15

I was planning on keeping them but this year has been a massive financial hit and I think selling is going to be my best option. I may lose 20% but if it saves me £50/month in interest payments and stress then I may sell them.

I'll work it out an if it covers all my debt then I will sell them.

comeracing · Post by **comeracing** » 11 Sep 2016, 21:34

im keeping mine,and selling when we have no tax to pay,i cant complain when I sold my personal RM shares at £5.61,it nearly paid for a brand new car,that made up for the crappy pin badge I got for 20 years service with our wonderful caring company

worktotime · Post by **worktotime** » 11 Sep 2016, 21:35

keep them why give the gov another £1000 or so in tax and ni , these are the people who sold us off in the first place , I agree the price will fall when posties sell but after xmas and r/ms secret stash of property the price will go back up , ive looked on a site lse for shares and there are investors who cant wait for oct because the amount of posties selling and these people will mop them up for next to nothing , keep and get the dividends , what we haven't had we wont miss.

Post by **Theghost** » 11 Sep 2016, 22:19

You dont lose 20% you lose 32% because you pay National insurance too.

magicw · Post by **magicw** » 11 Sep 2016, 22:51

I don't see how a mass of people selling shares in October will effect the share price. It isn't a supply and demand thing.

The share price is based on the Value of the company on the stock exchange. The stock exchange doesn't care or rate the share price on who holds the stock ( I.e you or the people who buy your shares when they come to market ) The share price is simply the total number of shares issued against the perceived value of the company.

People will decide to buy shares on the dividend they yield and the likely hood of the stock rising or falling.

The only thing that may effect the share price as a result of everyone vesting their shares in October is that this could be perceived by the market as Current employees waiting until they can do this, and then exiting the company leading to poor ( or in this case worse ) Industrial relations.

There are loads in our office gobbing off about how they are just waiting for their shares to cash. then they are off. Personally I cant see how circa £2,5k after tax is enough to walk from a job.

Whether you sell or not will depend on personal financial circumstances, Either way its free money! but do you really want HRMC to have 25% of it?

Postie45 · Post by **Postie45** » 11 Sep 2016, 23:01

also the amount being sold is relatively small, maybe 20% will be sold (just a guess and may be on the high side) of the 1% that RM employees hold

Postie45 · Post by **Postie45** » 11 Sep 2016, 23:04

magicw wrote:
There are loads in our office gobbing off about how they are just waiting for their shares to cash. then they are off. Personally I cant see how circa £2,5k after tax is enough to walk from a job.

its not in itself, but it is the reason many who may have left in the past year will have hung around for a few more months to get a decent amount of free money.

Rainbow · Post by **Rainbow** » 12 Sep 2016, 07:27

worth buying some more if like me you have money in an ISA earning less than 1% interest.

Post by **wacko74** » 12 Sep 2016, 13:09

Putting aside the question of selling or holding, I wonder how many posties will be handing their notice in the day after they get their shares?

Those who've been planning to jack it in for a while anyway and are just hanging on to get their shares as some form of pay off?

Post by **TrueBlueTerrier** » 12 Sep 2016, 13:29

magicw wrote:I don't see how a mass of people selling shares in October will effect the share price. It isn't a supply and demand thing.

It is Supply and demand, and when the supply peaks the price drops because buyers will be able to dictate a lower price. My own guess is that there will a single drop of around 15% followed by a recovery of 20 - 25% because a lot of institutional investors will snap up the employees shares and that usually creates more demand as it increases their dividends.

Postie45 wrote:also the amount being sold is relatively small, maybe 20% will be sold (just a guess and may be on the high side) of the 1% that RM employees hold

Although relatively small your figures are slightly out. We hold (or will hold) around 12% of the shares (10% initial and 2 1% issues in 2014 and 2016). However only 7-8% will be available in October and 20% of that will be around 2% or 20 million shares (at current value) £115 million.

Postie45 · Post by **Postie45** » 12 Sep 2016, 14:07

thanks for correcting me on that

Post by **2214MN** » 12 Sep 2016, 15:10

Selling. Been offered new job starting end of October, perfect timing to leave.

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