Employee Stock Purchase Plan (ESPP) savings cards allow you to reflect the purchase of shares in an ESPP.
You can add ESPP savings into RightCapital within the Savings section of the Profile (or the Savings step of the initial data entry process) by clicking Add Saving > Other > Employee Stock Purchase Plan:
If the ESPP allows for the purchase of shares at a discount, you can enter the percentage discount as part of the savings card. ESPP savings will flow through to the Taxable account bucket.
You will see the value reflected in the Retirement > Cash Flows > Summary > Net Flows column, just like Taxable savings. The incremental value provided by the discount will be shown as an employer contribution, which can be tracked in the Cash Flows > Invested Asset tab.
ESPP contributions will be taxed like any other taxable assets; we do not factor in short-term capital gain rates for withdrawals within a year.
