so the shares went down then!! to be honest i can see it just growing and growing as they have their hand in everwhere and profit is just getting higher and higher each year No the share price went up, he put in 9k total over the duration of 3 years, at the end of it, he got back 24k. That's 2.6 x the investment back! Here, they guarantee that you'll get back at least what you put in if the market goes south, if that's the case with your workplace, then it's a no lose situation sorry thought you ment 9k a year its also untaxed earnings too not sure if this is that same with them all so would pay less tax per week and if i keep paying in for 5 years then i dont pay TAX or NI on any of it dont think we the same back if it goes south though