How do I think about diversifying my US RSUs?
Published 18 September 2026
Based in Hyderabad, I have a lot of RSUs from Microsoft and Salesforce (~2-3cr), not sure if I sell them and move the money to India? Or diversify. What options do I have?
I do not have any immediate need for the money but want to keep it for my long-term retirement.
I do not have any immediate need for the money but want to keep it for my long-term retirement.
The first thing I’d ask myself is: “How much of my total wealth is actually tied to my company stock?” Then think about the uncomfortable scenarios—What if the stock falls 30%? What if I lose my job at the same time? Am I taking more risk than I realise?
It’s easy to develop an owner's bias and believe your company will keep winning because you work there , but even great companies can face unexpected challenges.
If one stock is close to 50% of your corpus, the risk is significant—a sharp fall can wipe out a large part of your wealth. Around 20- 30% on a sound corporate is justified , the risk is generally manageable but changes can be drastic.
A simple solution is to have a sell rule instead of making the decision emotionally every time—for example, sell 30–50% of vested RSUs and diversify the proceeds. Don’t let the fear of paying tax stop you from diversifying; paying tax on a gain is sometimes a small price for reducing a much bigger concentration risk. You can also look at different tax lots when deciding which shares to sell.
The idea is not to completely exit your company stock. It’s about not letting one company determine your financial future. Use the RSUs to gradually build exposure across global markets, broader indices, non-tech sectors and other assets. You can still participate in your company’s future upside while making sure your retirement doesn’t depend on a single stock.
It’s easy to develop an owner's bias and believe your company will keep winning because you work there , but even great companies can face unexpected challenges.
If one stock is close to 50% of your corpus, the risk is significant—a sharp fall can wipe out a large part of your wealth. Around 20- 30% on a sound corporate is justified , the risk is generally manageable but changes can be drastic.
A simple solution is to have a sell rule instead of making the decision emotionally every time—for example, sell 30–50% of vested RSUs and diversify the proceeds. Don’t let the fear of paying tax stop you from diversifying; paying tax on a gain is sometimes a small price for reducing a much bigger concentration risk. You can also look at different tax lots when deciding which shares to sell.
The idea is not to completely exit your company stock. It’s about not letting one company determine your financial future. Use the RSUs to gradually build exposure across global markets, broader indices, non-tech sectors and other assets. You can still participate in your company’s future upside while making sure your retirement doesn’t depend on a single stock.