我的投资组合中RSU占比太高 - 你会如何分散投资？

I sell my RSUs at vest, as there’s no tax advantage for holding.

If I wanted shares in the company, I’d buy them in my own account. (\Previously, RSus were distributed via Schwab, who’s service I’ve no interest in using\)

My previous CO was a big tech company, so I already had plenty of portfolio exposure via ETFs, so didn’t need to hold onto them individually, plus the inability to freely trade them outside of trading windows.

Not worth the hassle.

Keep in mind that AVGO and DRAM are very correlated because both depend on the AI boom & demand for compute to justify their valuation.

VOOG is also very concentrated in AI stocks, VOO is about 50% tech stocks.

If your goal is to diversify, you probably want exposure outside of tech:

• VXUS can give a bit of international exposure and is good.

• VNQ is a good option, real estate is not very correlated to tech.

• Don't be afraid of bonds. You can lock in 4-5% yields at current rates, depending of duration. You say you're a software engineer- the labor market is rough out there, lots of layoffs happening. It might make sense to put 10-20% of your portfolio in bonds just to smooth it out.

I'd get out it it slowly and get into low expense ratio index funds but the flavor of those will be personal preference (concentration in tech vs large cap vs otherwise). A good chunk of how/when to do what will be how taxes work where you live.

Assuming you get a quarterly vest that will help mitigate some of the fomo if the stock keeps climbing.

It's also good to get out of concentration of a single company because if the company runs into trouble and you're both laid off and stock goes down that's a double hit.

Congrats man, those must have crazy appreciation in the last couple years. If your 4Y grant was granted a fww years ago your total comp must be wild

The universal advise for RSUs is to sell at vest and use those funds to buy VOO or other broad market indices. You are already incredibly concentrated in the health of your company in the form of your employment, there is no reason to add to that. For example, what if we enter a multi year recession led by disappointment in the profitability of Gen AI use cases? Nothing to do with your performance, your employer performs layoffs and you lose your job, just as everybody else is also looking for a job. It takes time, and you start eating into your savings, only... your savings are in a company that just did massive layoffs, so their stock is down 30%-70%.