Reference > Desk Reference > Stock Options Notes

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Source:
MyOptionValue.com

Incentive Stock Options

A stock option that offers a potential capital-gains tax break if you hold the stock at least one year from the date of purchase and two years from the date of grant. Although these options, called ISOs, don't always trigger income tax when you buy the stock, you will tangle with the Alternative Minimum Tax if you hold the stock into the next calendar year.

Non-qualified Stock Options

The most common type of stock option. Exercising these options immediately triggers income tax on the initial spread between what you paid and what the stock was worth the day you bought it. If you hold the stock at least a year, an increase in value beyond the initial spread would be taxed as a long-term gain.

Grant date

The day the company gave you options.

Grant price

The discounted price you can pay to buy the stock for the life of the option. Sometimes referred to as "exercise price" and "strike price."

Exercise date

The day you plunk down cash and actually buy the stock.

Spread

The difference between your grant price and the market price of the stock on the day you exercise your options. The spread is taxed differently depending on whether you exercised ISOs or non-qualified options or buy ESPP stock.

Disqualifying disposition

A sale before you have held the stock one year from the date of exercise and two years from the date of grant. These holding periods apply to ISOs and ESPPs but not to non-qualified options.

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