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REDDIT

[HLT stock] Most of net worth in employee stock purchase program. Continue the course or diversify?

D
May 17, 2025 · 07:18


I have been putting 15% of my paycheck into the ESPP (employee stock purchase program), and have amassed almost 60k. The stock has been performing magnificently and I’m up 82% since I’ve started contributing in 2020. We can purchase the stock at a 15% discount based on the closing price at the beginning or end of the “purchase period,” which is six months.

HLT seems to be insulated fairly well as it operates on a franchise and service-based business model. Of course we’re affected by tarriffs and the current economic environment, but I’m still extremely bullish on the stock.

Should I continue to maximize my contribution and have that be my *main* receptacle of savings? I feel like it’s just *too good* of a deal right now. I do want to maximize my Roth but this just seems to be such a greater opportunity of return.

35/m. Making ~95-100k. Rent is 1785/month. No material debt.