Tag
diversification
9 posts tagged diversification
- US Investing·
How much to invest in US stocks as an Indian resident: the asset allocation guide
A practical framework for Indian residents: how much of your portfolio should be in US stocks, adjusted for portfolio size, life stage, existing India exposure, and the estate tax threshold.
- RSU Management·
What to do with vested RSUs: the diversification playbook for US employees
Vested RSUs leave you over-concentrated in one stock that also signs your paycheck. The diversification playbook: sell-at-vest math, completion portfolios, direct indexing, exchange funds, and 10b5-1 plans.
- US Investing·
Building a completion portfolio around employer stock
If you choose to keep concentrated employer stock, a completion portfolio shapes the rest of your holdings to offset the sector and factor it already gives you.
- US Investing·
Direct indexing to unwind concentrated employer stock
Use a direct-indexing account to harvest losses, exclude your employer stock, and fund the diversification of a concentrated RSU position over several years.
- RSU Management·
Rule 10b5-1 plans: how employees and insiders sell company stock on a pre-set schedule
How US employees and insiders use Rule 10b5-1 plans to diversify on autopilot, sell through blackout windows, and earn an affirmative defense against insider-trading claims.
- RSU Management·
Exchange funds (swap funds) for a concentrated employer-stock position
How US employees use exchange funds (swap funds) to diversify a large, low-basis employer-stock position tax-deferred — the 7-year lock-up, fees, eligibility, and when an outright sale beats it.
- RSU Management·
How much employer stock is too much? A concentration-risk deep dive
How US employees size a company-stock position, why employer stock is uniquely risky, and a framework to set a concentration target you can defend.
- RSU Management·
Should you sell RSUs at vest or hold? Framework for Indians
Sell RSUs at vest, or hold for upside? The right answer depends on concentration, tax timing, and what you'll do with the cash.
- US Investing·
US bonds, REITs & gold for Indian investors: worth it?
Beyond US equity: bonds, REITs, gold ETFs. The honest analysis of when each adds value for Indians, and where Indian alternatives win.