[QUOTE=Martin Smith;5114301]All true, but consider you're already heavily "invested" in the company you work for since that's where your paycheck comes from
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To manage the ballance of risk regarding having your portfolio where your employer is, all you have to do is buy all the discounted stock you can get your hands on, do payroll deduction so you get used to it and it doesn't hurt after a while, and put all of your regular savings and investments into other investments that don't involve the employer. Pretend like your take home after the stock purchase is your real take home and invest the proper portion of that in noncompany investments. We just put our other savings into the various indexes and stock funds that are out there. Our mix is weighted toward the employer, but it's not out of whack and we could sell the older stock with the click of a mouse if the company starts looking a bit tired.