How do you guys manage your RSUs ?

+1 would love to know from those who can chime in

1. I don’t sell my RSUs, especially if the stock has been performing well. (Amazon had one of the best quarters earlier in 2024.) unless I need thr money
2. If the stock has been a laggard for a years, and don’t seem any upside, I typically sell and then invest back in Indian stocks / MFs. I remember a colleague who would sell it the same day it would vest and re invest in TCS or any Indian stock / index fund back in the days
3. I have a one schwab account, (thanks to my ex employer) so I sold all the RSUs and invested in Amazon, Nvidia and a few solid stocks as per my research. I am happy and wish would had done it earlier because the stock was such a laggard.

Sell immediately on vesting. Wasn’t doing this till recently - changed approach after a colleague told about it.

Think of it this way - if Amazon gave you the same amount as cash on the day of vesting instead of stocks, would you have chosen to take the cash and spend it all on buying Amazon stock? If not, then why keep it there just because that’s the default choice.

Sell immediately and then invest it in mutual funds or any other assets that you prefer. Diversify.

As you grow up the levels, you’d anyway have a large amount of unvested stock for which you’re taking the risk. Why take more risk for the stocks that are already vested?

I am seeing Vested is providing services to take out RSU from your stock broker and invest them in markets. Is something I am meaning to use as my RSU in previous company was with E-trade and this one is with Morgan Stanley. The good thing is that the platform is partnered with both.

+1