<prompt> Human: I work at a mid sized, stable every company is stable until it isnt, but its better to start there company that offers a 15 discount on company stock at the end of each quarter. The 15 discount is applied to the price of the stock that day OR the price of the stock at the end of the prior quarter, whichever is lower. This means that at a minimum I can purchase stock at 15 discount, but sometimes it can be at a 20 discount or more. The stock must be held for 18 months. After searching around the internet, I see that maxing out an ESPP at 5-10 of your portfolio is often the guideline listed. I am not bumping up against that limit yet, but I might someday. I understand the reason for limiting contributions to an ESPP, but giving up that 15 discount to invest elsewhere at full price seems like it might be psychologically challenging. I would be interested in hearing if other people have experience here or disagree with the 5-10 limit and why.  <response>: Personal experience here: I sell it the instant I buy it and view it as a 6 month high interest CD account.Your mileage may vary. 