Should You Sell Your RSUs as Soon as They Vest?

Executive Summary & Bullet Takeaways

Restricted stock units are taxed as ordinary income the moment they vest, meaning you owe taxes whether you sell them or not.

Holding onto company stock can lead to an over-concentrated portfolio, exposing your household savings to unnecessary risk.

Selling immediately allows you to reinvest the cash into diversified assets or fund immediate family goals like college tuition.

Household Impact & Perspective

“Keeping too much of your net worth tied up in your employer's stock is a recipe for sleepless nights. Treat vested RSUs like a cash bonus, diversify that money, and protect your family's financial future.”

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