Share benefits, such as Save as you Earn schemes or Share Investment Plans offer a valuable workplace benefit and can provide employees with a really great way to generate medium term savings.

However, over many years, employees can build up a significant investment in their employer's shares which from an investment perspective is a high risk strategy, irrespective of the underlying performance of the shares themselves - hence too many eggs in one basket.

The approach for people in this situation is to consider diversifying these shares into a more a balanced investment plan that reflect the needs, circumstances and attitude to risk of the individual. This then takes a valuable benefit and makes it even more valuable - managing risk whilst building up savings.

Providing financial education and access to advice to staff around their share benefits will help them to make the most of these valuable benefits and help them to improve their own financial planning for the future.