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RSUs and ESPP, cash out and invest in ETFs, Dividends, SPY, or leave it?
Investor summaryNeutral
Seeking advice on whether to cash out vested RSUs and ESPP to diversify into ETFs like SPY or hold the stagnant company stock.
Bull points
- ESPP offers guaranteed high returns (40-80%) due to the low lookback price.
- Diversifying into ETFs mitigates the risk of holding a concentrated single-stock position.
Bear points
- The company stock has been stagnant in the $70-$90 range for a year, showing lack of momentum.
- Holding $80k/year in a single company stock creates significant uncompensated risk.
SPY红利收息
Post body
I get a good amount of RSUs and contribute to my ESPP. The ESPP returns about 40-80% gain each time the share purchase happens since my look back price is so low. I’m thinking I should cash the RSUs and ESPP shares each time they are vested and purchased and diversify. My company stock has gone from \~$24 when I started 3.5 years ago to 70-90 now depending on the month. It’s been at that range for about a year.
Looking for advice or what you would do in my situation. It’s around 80k a year after taxes in stocks.
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