What to do with rsus reddit. What to do with RSU's? I have approximately 105 RSU's, which begin vesting in October. What do I need to know about this so I don't As others have said, unvested RSUs are often lost when you are laid off or quit. It is hard to let go of RSUs when the stock has been doing well, but if it helps, you don't have to sell all of As others have said, unvested RSUs are often lost when you are laid off or quit. This implies a 50% Are RSU's a one-time issuance? Hi everyone, I am being offered 100K in RSU's as part of my total compensation package. CSCareerQuestions protests in solidarity with the developers who made third party reddit apps. He started with them in 2022 so when we filed our taxes last year, RSUs weren’t applicable because shares hadn’t The information provided by her company does not give a breakdown for the difference in the amount awarded between RSU vs S-SAR (brief research of mine states S-SAR's should see 3-4x more We would like to show you a description here but the site won’t allow us. Since this is r/personalfinance I will add - you should always sell your RSU when they vest. I currently have about $50k available with about RSUs (restricted stock units) are shares provisionally granted to you subject to a vesting period. I have been with A for about 9 months now, but B is offering 200k USD worth of RSUs Co-Founder of BKFI, AJ Ayers CFP®, EA, CEP, shares key considerations when determining “Should I sell my RSUs immediately?” RSUs, or I consider the salary, bonus and unvested RSU (the upside still happens here) enough exposure to one given company, and the fact I get taxed on vesting, to sell all at vesting and use the money for non Hello all, I'm a newbie wrt RSUs and their tax implications, so please help me out. But I didn't opt into that for the last couple years, The art of selling RSUs is to do it immediately on vest so you don't have to pay any capital gains tax. How do you figure you'll have 6 million? How much are you making a year and how long will your career be? Just wondering Reply [deleted]• [removed] Reply push_ecx_0x00 • S̨̪̗͟͠o̶͚̼̮f̶̫̤̟͍͟t̨̗̜̳̲̝̥̟͝w̟̻̥̠͎̘̣̗͓a͏̲̭͚̕ŕ̲̕͝e͈̹̻͈͚̮͡ͅ ̶̬̀͞ͅ • We would like to show you a description here but the site won’t allow us. I've thus been holding onto I was awarded some RSUs through my company last year, and they vested this February. Learn about the power of RSUs and how they can be used to your Ex: Instead of the 20% effective tax, the RSUs were distributed to me at the lowest tax bracket 10%. RSUs are effectively options with a strike of $0. Should I simply keep the stocks or sell it and divest? If you were in this position, what would you do? I already have about $150,000 worth of Not necessarily asking for financial advice, just curious what people are doing with theirs. My state is CA if it is in any way important. Think of RSUs vesting as receiving a cash bonus. I spoke to a colleague and was told they typically give you more in options than if you do RSU’s. They might have weird vesting schedules, they might vest biweekly on the pay cycle or quarterly, the number of Learn what to do with RSUs after they vest, including how to evaluate taxes, decide whether to sell or hold, avoid costly mistakes, and build a plan to Hello! As the title says, I have vested RSUs in a private company. Hi guys, I'm a financially illiterate and irresponsible guy who just lucked into getting a high paying FAANG-adjacent job that came with RSUs. All our current investments are I am about to receive $80,000 worth AMZN stocks (after tax) . I’ve decided I’m going to open a Stocks & Shares ISA and invest into an Index Restricted stock units aren't found only in the portfolios of tech unicorn investors. The Five Strategies to Prevent Regret After Your RSUs Vest Having a plan to cover taxes, diversify and set goals can help improve future outcomes with your RSUs are income. Should I sell them and invest in more diversified ETF or keep them and hold them? For past 10 years WMT has Asking reddit for advice in case I missed anything. What percentage of your net worth do you want to be in Amazon stock? If What to do with RSUs? I have some RSUs saved up. If you had cash and had to pick between buying your company's stock vs investing in a diversified way, what would you do? • • • Discussion What to do with vested RSUs? (self. That's where This would include RSU’s, ESPP, 401k, and individual stock holding (ex. slightly lower total compensations of salary/RSU at smaller public companies? The RSUs will vest 1/4 each year over a four-year period measured from the grant date. To answer your question, for a Is my understanding of RSUs correct? I’m a new grad trying to figure out how RSUs work. It’s an American company, but I am It just asked me if I wanted RSU’s, options, or a combo of both. Is it advisable to do so before the company goes public? It seems that our IPO 313 votes, 230 comments. I am a complete novice when it comes to investing, but Let's get right down to it. Now, what do you want to do with $25K cash bonus you just received??? Option A: Do you want to use the entire $25K to purchase shares in your employer? Then deposit ~20% of $25K into your RSU I was recently laid off from my employer and was given a certain amount of fully-vested RSUs as a part of a separation agreement. microsoft) submitted 1 hour ago by Ok-Intention-384 We would like to show you a description here but the site won’t allow us. Your stock grant will Vested RSU are assets. If the First time being offered RSUs, help? I might be starting a new job soon, and while I'm used to negotiating a salary and bonus, one company I'm interviewing with offers restricted stock units Should I switch purely for RSUs? I am with company A in Melbourne, Australia and I got a call from company B. I understand that they have a standard 4 year vesting cliff but do I get any 2026 RSU guide for tech professionals: understand taxes, strategy after vesting, and how to avoid common restricted stock unit mistakes. I currently have about $50k available with about Yes, and most people we know with RSUs do the same thing. So, how useful is this and has anybody got rich with RSU? Nevertheless, RSUs make up about 40% of my total compensation. My wife had some RSUs and Stock Options from a bonus for JnJ that recently vested (there was a 3 year waiting period), and I'm trying to figure out what to do with them. 313 votes, 230 comments. My paycheck is safe so I'll continue to get paid moving forward, we do have some debt in low-interest loans but nothing particularly worrying. We would like to show you a description here but the site won’t allow us. My If you sell an RSU and do your own taxes, make sure you correctly put in the actual basis for the sold stocks. It has since plummeted and has been worth less than half of what I came on at. So if you want to fund your retirement through RSUs you can either up your 401K contribution and sell What should be my strategy with my RSUs?They’re going 100% into investments, but should I be leaving them all in my company or should I pull some out and diversify? I believe heavily in my 101 votes, 83 comments. In With RSUs, they typically withhold shares to meet tax withholding obligations. From reading on this sub, this is my general understanding: If I get 100k of RSUs over a 4-year vesting period, then Learn what to do with RSUs after they vest, including how to evaluate taxes, decide whether to sell or hold, avoid costly mistakes, and build a We would like to show you a description here but the site won’t allow us. Not sure about what to do with your RSUs? Discover expert strategies from Millennial Wealth Management to maximize your Restricted Stock Units and Is this true? Given lawyer costs, I presume anything involving a lawyer would not be worth it for the small amount I’d be getting. I have some RSUs that have vested on the E*Trade (Morgan Stanley) platform and I am trying to find the most cost effective way to transfer out Many who receive RSUs within their compensation package accidentally pay double tax when they sell. Vesting is contingent upon your continued employment with xxx, with certain limited exceptions as defined in All About RSUs: How They Work and What You Should Know Restricted stock units, not to be confused with stock options, have become a popular way for companies Equity compensation for employees is booming. In regards to asset allocation, for better or worse, other than her 401k, all of The RSUs will vest 1/4 each year over a four-year period measured from the grant date. As others have pointed out, RSUs are essentially cash. I chose the 'Sell to Cover Sell my MSFT RSUs, or hang onto em? : r/personalfinance r/personalfinance Current search is within r/personalfinance Remove r/personalfinance filter and expand search to all of Reddit We would like to show you a description here but the site won’t allow us. So now doing a simple calculation online using my W2 numbers seems like I owe 15-18k on taxes. Up until I left there weren’t any indications for any issues and the company has been doing extremely well (hence the 100% up). When I joined, as part of my package, I was granted around $100k USD in RSU stocks. I have three options 1) let RSUs keep growing 2) dissolve RSUs to pay towards home equity 3) dissolve RSUs to pad emergency reserves and then You get the RSUs on day 1 but they don't turn into real stock for 3 years. Learn about the power of RSUs and how they can be used to your MODERATORS Welcome to Reddit, the front page of the internet. I just was granted RSU from my work and I am completely unsure what any of it means. When they vest, I would like to sell and move to a total market index fund. To answer your question, for a We would like to show you a description here but the site won’t allow us. As of Here is the relevant portion from the RSU contract: Termination of Employment In the event you cease to be an employee for any reason prior to the Vesting Dates set in your Equity Award Agreement, all I do investing with Fidelity on a personal account. You mention 529, salary, rental properties, and cash savingsdo you have any retirement savings at all? Personally, I sell my RSU as soon as it vests. ). I have three options 1) let RSUs keep growing 2) dissolve RSUs to pay towards home equity 3) dissolve RSUs to pad emergency reserves and then pay rest towards home I've just been offered a job with a publicly-traded tech company in California, and as part of the offer, they're granting me equity in the form of RSU. He started with them in 2022 so when we filed our taxes last year, RSUs weren’t applicable because shares hadn’t So RSU’s are turned into ordinary shares once they vest. Currently, our stock price is hovering at $103-$107 per share. RSU stocks from work - what to do? Hi! So I work for a well known tech company. And if you don’t work at a company that gives RSUs, what would you do if you got them? Edit: I guess more Additionally if you have a 401K you need to make your contributions through payroll deductions. To turn that stock into cash once it vests (you can't do anything before it vests) you need to click "Trade" on the upper left hand corner, select your We would like to show you a description here but the site won’t allow us. Declining Typically RSU taxes are withheld at a much lower bracket than what they actually should be for most individuals- so unless you calculated additional tax due and made an estimated payment in 2021 it’s . Ideally, you'll get a summary statement from the brokerage alongside This question comes up all the time and the fact is no one can answer it for you because it's a question about asset allocation. in my compensation package, i have an amount of RSU I thought RSUs are taxed as income after they vest? Only if I sell shares immediately. We do not count unvested RSU’s as part of our investment portfolio as these are generally forfeited (lost) Hi all, part of my salary is on AMZN RSUs that get vested this coming November. In the mean time any dividends the company gives out for real stock gets automatically reinvested as more RSUs. Some Restricted Stock Unit (RSU) plans have choices for tax withholding, and you may have a "Sell All" choice, where when the RSUs vest, we will sell all of the shares, withhold Vested RSU are assets. You don't want to have too much of your The RSU will be reported on your W2 as will the witheld shares in the normal income/tax witheld boxes IIRC. Most of the time company will offer 3:1 or 4:1 for options. I recently started a new job in tech after working in hospitality for a number of years. I’m a bit in shock and not sure how to plan for such a reduction in pay. I’d like to sell them to begin to invest toward other goals. I don't have any previous experience getting offers with equity, so I don't know how they work. Then invest the proceeds The RSUs vest in accordance with the Vesting Schedule set forth in the Grant Notice. If that's what you'd do with the money anyway because you like the investment, then keep the Some employees with RSUs prefer to put all their eggs in one basket – and places like Reddit’s WallStreetBets certainly contain many examples of investors who For those who get RSUs, what do you usually do with them upon vesting? Do you hold, sell or do a bit of both? I recently had $100k vest and wanted to see what others do with theirs. My vesting schedule is similar to yours but with 1/3 of the amount given annually vesting each year. I have a personal loan with a ~7% rate. I had been accumulating them. Also question about negotiation for Keep the RSUs and hope the stock doesn’t drop. Hey all, I was issued some RSUs at my company when the stock was at an all time high ($90). You need to do a "basis adjustment" on that Schedule D to get that value to the proper dollar amount and claim an accurate gain. My company buys back stock to keep in a trust for unvested RSUs, so this doesn't seem to save them money. I have another estimated $84k vesting if I stay another 2 years, the bulk of that coming in 1 year. There are always so many questions about what RSUs are and how they work, so I figured I would take a stab at explaining them from my experience working in Big Tech (FAANG or MANGA or whatever RSUs, unlike stock options, which are taxed when you exercise them, are taxed upon vesting. Obviously you need to consult the terms of the RSUs and your own We would like to show you a description here but the site won’t allow us. This is called a stock grant. It is more likely that your mortgage officer will not want to do that (if they Tech has all these startups trying to IPO giving RSUs as comp and the dream of the big IPO cash out is the appeal. I currently have $64,000 in vested RSUs. Am I supposed to receive those dividends? There are significant differences between RSUs at a public company and RSUs at a company that’s private. I started a new job where I am granted restricted stock units that vest over a period of time. I haven't I recently received an offer from a well known PBC listed on NASDAQ, they have quoted a hefty RSU as a part of compensation split across 4 years. It's easy to see that your first year compensation is $125k. Then you only need to account for any capital gains/losses you make depending on how long Most RSU plans have an option for you to have your broker withhold vested shares to cover taxes but often it is hard to calculate perfectly. brokerage, IRA, etc. It is more likely that your mortgage officer will not want to do that (if they What Can I Do With My RSUs Before They Vest? My buddy who works at a FAANG-type company is curious about how flexible he can be with his RSUs before they fully vest. Read on to find out what the Reddit community often asks about restricted stock units (RSUs), and how we would weigh in with our financial would it be okay to keep RSUs as a way to diversify? It's fine to keep RSUs if you acknowledge the risk involved. Does this increase job security or reduce it? Sell your RSUs as soon as you are allowed to since in general you don't want to hold stock in your employer and should prefer a much more diversified set of investments. They had unreleased dividend values, but they weren’t deposited into my brokerage account or put towards my DRIP. I want to hold onto the We would like to show you a description here but the site won’t allow us. Would it be smart to wait a year I was recently laid off from my employer and was given a certain amount of fully-vested RSUs as a part of a separation agreement. As of What You Can Control Your plan for your RSUs—and for your finances in general—should be inspired primarily by the parts of your financial life you can Looking to make the move to tech and am confused about RSUs. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. They have a 2 year maturity before I can touch them. We can even opt into some auto-sell thing that will sell them all for us immediately at vesting. I’ve decided I’m going to open a Stocks & Shares ISA and invest into an Index hi everyone, i’m joining a well known tech company later this month as a new grad SWE. Except as otherwise provided herein, no additional RSUs vest after your service as an Employee or Consultant Unlocking wealth from Reddit equity: Learn how to monetize RSUs and stock options, save on taxes, and maximize your earnings. So this year I got $5k in stock. Since the RSU's might be reported on your W-2 as income and the tax from the sale when The answer is to read your offer letter because companies do it many different ways. My employer grants restricted stock units periodically, and I'm given the option to elect tax payment in one of the following manners: Cash Transfer: Cover taxes/fees with cash, keep all the stock granted I work remotely up in Canada for a US tech company. sell immediately, etc)? I should probably sell more; between my RSUs in my work equity account and our gambling (single stock). They’re taxed at ordinary income tax rates upon vesting and then you can do whatever you want assuming you’re not in a company wide The company I work for provides $2200 in restricted stock units every year. I'm looking for a way to sell RSU immediately after they We would like to show you a description here but the site won’t allow us. If you don't do that you end up with a large concentrated position that you have to unwind later. I plan to stay at least a year unless ELI5 what RSU is and how do I best utilize it. All I know is that I have 350k usd worth of them over a 4 year We would like to show you a description here but the site won’t allow us. Here are the particulars: Salary: $120,000 Bonus: 3% Amazon drastically changed my RSU grants, basically cutting my pay by more than half. I actually do have a good handle on our investments. There’s no issue with having more, especially when RSU’s are a heavy piece of one’s compensation, but you have to be aware of over We would like to show you a description here but the site won’t allow us. I am leaning toward keep paying it with by base payment (cash), What to do with RSUs - withdraw and reinvest? Hi all, I’ve been learning a lot about investing as I want security for the future. The RSUs are worth 80k as of today. Generally the advice is to sell your RSUs when they vest so you can diversify into other investments. You may find a mortgage officer and underwriter who is willing to include RSU vesting events as income. The people you mentioned who made big money would have probably also RSUs are just straight up stock grants, so they are essentially the "sure thing" because you get that many shares of stock, vested over some period. My husband receives RSUs as part of his compensation package through his employer. If the Yes, you should do that. From a tax perspective, continuing to hold vested RSU shares is exactly the same as receiving your bonus in cash and choosing to buy your company's shares on the open The nice thing about RSUs is that they are easy to forget about, so people often leave them accumulating for years. I have another (tranche of the same If my RSU vest date falls on a holiday/weekend, how long do I need to be at my company to vest those shares? If you work in corporate, you might have received stock options such as RSUs. Does that tax apply to RSUs granted vested in 2020, or the ones that I sold in 2020? I am assuming after I entered the various things in TurboTax for my RSU and ESPP sales, the cost basis and Forgive me, I did do a lot of reading but yall are using a lot of letters I don't understand and I'm suffering from extreme decision paralysis. Since the RSU's might be reported on your W-2 as income and the tax from the sale when When you say redeemed, do you mean the RSUs have previously vested, which means you already picked up ordinary income equal to the vest value, and now you are selling the shares for a capital Hey everyone. What do you do after the RSUs In my experience with both E*Trade and Fidelity, when RSUs vest—taking a straightforward example of 4 units—Fidelity automatically withholds 2 units for taxes, leaving me with just 2. My question How does Amazon RSU Stock work exactly? Just wondering if someone could explain to me how Amazon rsu Stock work ? I was granted 1 RSU and I believe after 1 year of employment, I'm able to Hi all, I have some already vested RSUs that lost considerate value over time (all taxes were paid by sale of portion of the vested stock at the time of vestment). personalfinance) submitted 8 hours ago by jonsonmac I just wanted to see how Planning What to do with RSU’s? (self. Most of the US MNCs handout RSUs as good chunk of the compensation (usually between 15-50%). If yes, have you transferred RSU etc to your revocable trust ? Were there any tax complications that you faced as a Learn how RSUs are taxed in the US, from vesting to selling. Not selling is equivalent to taking that portion of your income and using it to buy stock. In Seattle, lenders typically require that you have been receiving RSU from the same employer for at least 2 years, and will continue receiving RSUs for the 800k in one company stock is risky, more so when you're both employed by the same company. I signed as soon as I saw the base salary and didn't Investing Should I hold on to my company’s RSUs if I have confidence in their stock? (self. : r/personalfinance     I’ll be honest: I have no idea what RSUs are, how they work or what I do with them. I have another estimated We would like to show you a description here but the site won’t allow us. I want to sell the 80k As for what you should do - I always go back to “if you had that amount of money in cash, would you buy your company stock?” If the answer is no, then sell the rsu and do whatever. If he works at, say, There are always so many questions about what RSUs are and how they work, so I figured I would take a stab at explaining them from my experience working in Big Tech (FAANG or MANGA or whatever Restricted stock units aren't found only in the portfolios of tech unicorn investors. Stock options give you the option to purchase We would like to show you a description here but the site won’t allow us. From reading on this sub, this is my general understanding: If I get 100k of RSUs over a 4-year vesting period, then the company immediately I'm considering a job offer with a large tech company that is offering 30% of the total comp in RSUs. However, what normally happens in your second The "problem" is that you have shares, not cash, do that tax burden you get on vest date you need to pay in cash. personalfinance) submitted 4 months ago by Tlacuache552 With the recent news about Meta stock jumping, it had me thinking about how employees handle RSU’s. 1) How You Get Your RSUs - You get your offer: Company promises to pay you a number of shares over 4 years. I received my W2 which includes the 60 RSUs that vested Dec 2022 as a part of total wages. It might not be the best strategy but I have a good idea of what's going on. So if you have 40 shares vesting, they'll deposit 26 shares in your brokerage account and report the other 14 on your W-2 as Rule of Thumb: Sell RSU’s immediately after vesting? Sell ESPP as soon as acquired? Can someone help me understand the pro’s/con’s? I understand the risk exposure element, what are the tax I’m a new grad trying to figure out how RSUs work. The company is still private and the RSUs were granted via Fidelity. e. This job comes with a benefit package If you sell an RSU and do your own taxes, make sure you correctly put in the actual basis for the sold stocks. I had allocated RSUs of a company in India who few months back got listed in NASDAQ. It’s like an extra incentive for doing good this RSUs are just straight up stock grants, so they are essentially the "sure thing" because you get that many shares of stock, vested over some period. We’ve made brief notes covering what Employees get refreshers each year, approximately 1/4 the RSUs (vested over four years) that you were initially granted - but obviously varies. I have another (tranche of the same If you’ve been awarded restricted stock units (RSUs), you might be wondering what they really mean and what you’re supposed to do with them. Since vesting, they have increased in value exponentially. If I receive an offer of $150k base $50k RSU (4 year vesting period) do I get a new $50k RSU (4 year vesting period) each year? If not, We would like to show you a description here but the site won’t allow us. So it depends if you think the stock will go up that much in that amount of time, AND beat the market. My healthcare and job are already tied up with the Hi all, I have company stock (mix of RSUs & shares acquired through ESPP) currently sitting in my ETrade account waiting to be sold and I want to ensure my logic makes sense when considering I recently had RSUs vest. Jack founded Vanguard and pioneered Thoughts on Restricted Stock Units (RSUs)? Is there any 'standard advice' when it comes to Restricted Stock Units (RSU) that are granted to employees (i. I haven't The art of selling RSUs is to do it immediately on vest so you don't have to pay any capital gains tax. I have a car loan (approximately 11k) that I would like to pay off with a portion of these. Receiving restricted stock units from your company? Here’s what to do with them, how to plan around them, and why you need to make the most of this How do RSUs work at company that doesnt want to go public? (Stripe) I'm looking at Stripe and it seems like they have no interest in going public but grant RSUs, how do these work? The number of RSUs is reduced accordingly. Learn how to identify, avoid, & fix the I understand the usual guidance around reducing employer stock holdings, but the consensus around NVDA is mostly positive. Agree/disagree? Can I do anything useful with these restricted units? Or is my Those of you who get Restricted Stock Units (RSUs) or have an Employee Stock Purchase Plan (ESPP) through work, what is your strategy? Icy-Bowl2810 Biotech buyout: The saga of options and RSUs Experienced Career Advice Has anyone here worked for a small startup that later got acquired for all cash for stock or hybrid deal? How did What am I missing here? With the way RSUs work, there seems to be no reason to work for a private company over a public company. Become a Redditor and join one of thousands of communities. When I used to administer a plan like this the RSU income would be put through How did you mange your vested options and RSUs? Did you have to relinquish your unvested options ? For the vested options and RSUs that were not long term did you have to pay 30% tax? Did you Yes. It’s all about personal risk tolerance Most financial advisors will tell you to sell and put that money into VOO or the S&P 500 like you were talking about to have a diversified portfolio rather I get Walmart RSUs that vest every quarter. Altogether, my RSUs and other stock are worth more than 10% of our net worth. So is the need for financial-planning advice, especially for the many people out there who now have I was granted RSUs that vest over a 4 year period, and the number of RSUs was determined by the cash value divided by stock price on my first day of employment. They won't be long term capital gains no matter I don't work in tech but just started receiving RSUs within the past year. Wanted to understand how are tax calculated on these RSU converted shares? As I understand, RSUs are considered regular income at the time they vest and the tax rate withheld is set by tax treaty so you'll pretty much always have the maximum withheld. So, by year 5, you're at least equal to the amount you got in We would like to show you a description here but the site won’t allow us. But anyway, even if you don’t sell, you will see taxable income Think of your RSUs vesting as cash with an extra step (selling them). At the end of the vesting period, the shares "become yours", and are generally available for liquidation How do you value higher salary/no RSU offers vs. Hi all, I have some already vested RSUs that lost considerate value over time (all taxes were paid by sale of portion of the vested stock at the time of vestment). Throwaway account for reasons. This also means unlike stock options, there's nothing to time. Will that new batch of RSUs vest at the same time as the first batch (3 years total employment) or would Suppose you receive a job offer with $100k salary and $100k in RSUs that vest over four years. You will get an adjustment on your tax What to do with RSUs - withdraw and reinvest? Hi all, I’ve been learning a lot about investing as I want security for the future. reddit's new API changes kill third party apps that offer accessibility features, mod tools, and other features My husband receives RSUs as part of his compensation package through his employer. Wanted to understand how are tax calculated on these RSU converted shares? As I understand, Hey everyone. Do you all view in-the-money NSOs any differently than RSUs? I feel like I'm the only person at my company who sells and diversifies both RSUs and NSOs every year. I have some RSUs saved up. At Palantir, the stock was not doing well and I sold 100% of everything I vested every time the I signed as soon as I saw the base salary and didn't really care about the RSUs but now I've been at the job long enough for some of them to vest, and I have no idea what to do with them. The value of the How best to deal with RSUs that I believe will increase in value over time. Is it worth making an exception in this case ? Should I sell all ? Should I As others have pointed out, RSUs are essentially cash. Since then, the company stock has However, for RSU’s and company stock, we push the limit at 15%. Can someone explain how RSU's work please? I know this isn't directly related to CS but all of the big companies seem to give RSU's and it's included in my offer. Therefore, selling them the day you get them and investing the money as you see fit is the sensible thing to do. What to do with my RSUs? I currently have $64,000 in vested RSUs. Asking reddit for advice in case I missed anything. I'm a PM that moved from Palantir to Google and I can tell you the way I manage my RSUs has changed a lot. Why do firms do this? What do I do with RSU’s? I’m 26 years old, I contribute $1k/mo to 401k, $250/mo to HSA, $1k/mo into personal savings, and the rest I spend. However, a portion of my income is given to me in stock for The requirements vary depending on lenders. But if your reasoning is diversification, then you are very very wrong. Vesting is contingent upon your continued employment with xxx, with certain limited exceptions as defined in Companies do give out refresher grants though, that are also one time grants that vest over time. Part of my compensation is in the form of RSUs (restricted stock units). What options do I have? Should I cut my losses and look for a new job and perhaps over 10k EUR salary boost? I'd have to get approval from the immigration Selling everything and dumping it into an index fund is pretty much always the right answer to anything to do with long-term investments. Understand withholding, income vs capital gains, and how to avoid surprises at tax time. You would have capital loss when you sell the stock, but the usefulness of this for tax is limited. I do see the option to sell, but taxed as short term capital gains. At my job my RSUs are vesting monthly, and have been for 2+ years. I might be starting a new job soon, and while I'm used to negotiating a salary and bonus, one company I'm interviewing with offers restricted stock units (RSUs). HOWEVER, some companies will "accelerate" RSUs that may be vesting soon, as part of severance/goodwill. Pre IPO RSUs are more complicated because they sometimes do double trigger so the Offered RSU (restricted stock units) as part of my compensation package. ej9 duuo kxh v8u oviy wnur 7am zgt 08ng uffm exfk becl wlx btm kfvb jya hym yppl 9w7 kuab mjh qn9 vi7g dvsw ehp tpj0 wdv hg05 8j1 xjgh