Tag
us-rsu
11 posts tagged us-rsu
- US Investing·
Funding life goals with RSUs: house down payment, 529 college savings and goal-based selling
How US employees turn RSU vests into real-life goals — house down payments (and getting RSU income to count for a mortgage), 529 college savings with superfunding, and bucketing volatile shares against near-term goals.
- RSU Management·
The RSU tax-saving playbook for US employees: harvesting, donor-advised funds, NUA and the 83(b) myth
The legitimate tax-saving plays for US employees with RSUs: tax-loss harvesting around the wash-sale rule, donating appreciated shares via a donor-advised fund, NUA on 401(k) company stock, tax-gain harvesting, and why 83(b) doesn't apply to RSUs.
- 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·
Turning RSUs into a retirement corpus: 401(k), backdoor and mega-backdoor Roth for US employees
Your RSUs are taxable cash flow. Here's how US employees route them into a retirement corpus — maxing the 401(k) at $24,500, the backdoor Roth, the mega-backdoor up to the $72,000 limit, and asset location.
- 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·
State tax optimization for US RSU holders: the 13.3% difference no one talks about
Complete guide to state tax planning for US RSU holders. California 13.3% vs Texas 0%. Vest year vs sale year sourcing. Multi-state RSU allocation, residency change planning, the trailing nexus problem, equity comp 'workdays' apportionment.
- US Investing·
US residents with US RSUs: complete tax + strategy guide for 2026
Complete guide for US residents holding US RSUs in 2026. Vest taxation, sell-to-cover vs sell-all, holding period strategy, capital gains, ESPP qualifying vs disqualifying, AMT, NIIT, concentration risk frameworks.
- 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.