Mistake #1
Holding the whole position. A single-stock drawdown can take years to recover — and it arrives while your job is at the same company.
For Tech Workers with RSUs
Two habits quietly decide how much of a stock package survives: holding a concentrated position, and treating vested shares as spending money. Answer a few questions to see how a deliberate diversification schedule compares with either one.
Mistake #1
Holding the whole position. A single-stock drawdown can take years to recover — and it arrives while your job is at the same company.
Mistake #2
Assuming there is a tax reason to hold. Shares are taxed as ordinary income the day they vest; after that they are simply stock you chose to buy.
Mistake #3
Treating a vest like a bonus. Shares spent in your thirties are the ones that would have compounded the longest.
How much in RSUs do you receive each year (at grant value)?
Use the annual grant value — not the vested value — for a conservative estimate.
per year at grant
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How much company stock do you already hold?
Include vested and unvested shares at current market value.
total company stock
How old are you?
This helps us estimate your investment horizon and vesting timeline.
years old
What other savings or investments do you have outside your employer?
Include retirement accounts, brokerage, savings — not your home equity.
total other assets
What is your annual base salary?
This determines your tax bracket — RSUs are taxed as ordinary income on top of your salary.
per year base salary
What state do you live in?
State taxes vary dramatically — California's top rate is 13.3%, while Texas has none.
state of residence
What annual return do you expect from your company stock?
We start at 7% — the same as diversified equity. A single stock is far more volatile than that. Adjust it, or let us estimate it from your company's own history.
annual return
You can always adjust this later
Running the analysis…
Building your projection with the same analysis our advisors run.