What is the Rate of Return on YOUR ESPP? {and is it too good to be true?}

As a financial adviser, I often ask my Microsoft clients: “What is the Annual (or Annualized) Rate of Return on your Employee Stock Purchase Plan (ESPP)?” Over the years I’ve gotten many answers to this seemingly simple question.
Actually, ESPPs are misunderstood by many employees.
The ESPPs have two major elements that contribute to the Rate of […]