Is it smart to max out my employee stock purchase plan if I am trying to save a down payment for a house, or is company stock too risky for a budget conscious worker?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it smart to max out my employee stock purchase plan if I am trying to save a down payment for a house, or is company stock too risky for a budget conscious worker?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
IRS employee stock purchase plan Section 423 tax treatment qualifying disposition ordinary income discount holding period Google ↗
FINRA diversification concentration risk employer stock employee savings down payment short term goals FDIC savings Google ↗
- Gauge Your Risk Tolerance · investor.gov
- Saving for the Unexpected and Your Future · fdic.gov
- Stocks (options, splits, traders) · irs.gov
- Stocks (Options, Splits, Traders) 4 · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS employee stock purchase plan Section 423 tax treatment qualifying disposition ordinary income discount holding period OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FINRA diversification concentration risk employer stock employee savings down payment short term goals FDIC savings OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |