Hi Guys, Hoping you can help as I don't really understand that much about shares. Each year I am given shares in the company I work for which are vested over 5 years, it's a retention scheme so once you have been there 5 years you are getting a nice little amount each year. The shares are fully franked and pay dividends twice a year. My question is, each year when the shares become availble to sell. Am I better to sell them and put the proceeds into my offset against my mortgage or am I better to leave them alone and let them build up? My analytics into shares is not really advanced enough to understand which would be the better option. Obviously I understand any information given on here is not financial advice and all decisions made are my own, I just feel like a few tips from you guys would help me make my decision here. Also on a side note, can someone explain to me why I get a tax bill every year from these shares? I thought the dividend tax was credited ie the franked part and I thought the increase in value would only be realised upon selling but my accountant said they make me have a bill every year.