Spread it before your next vest. See what a fall would cost you, how Microsoft stock has behaved before, and how people spread it out.
₹24,18,250 · 24.18 lakh at ₹96.73 per $
Saved rate from 7 Oct 2026. Change it to use your own.
Savings, funds, EPF, property equity. 50.00 lakh
Pick a drop you would want to plan for.
What you own
₹24.18 lakh sits in Microsoft stock. That is 33% of your net worth.
What could go wrong
A 40% fall would cost you ₹9,67,300. Your salary, bonus and shares all depend on the same company.
Spread it out
Move part of it into everything else. Pick a share:
MicrosoftEverything else
The trade-off: if Microsoft rose 40% instead, you would gain ₹2,90,190 less, because moving money out trades some upside for protection. Money you move is assumed flat. Tax, brokerage and currency costs are left out, and selling can trigger capital gains tax on any gain since vesting.
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Diversify 30% · move ₹7,25,475Want a hand? Reach out to us on WhatsApp and we will guide you through opening the account.
Chat on WhatsAppMicrosoft is one of the strongest businesses in the world. Its stock has still gone through stretches like these.
The long wait
December 1999 to October 2016
Microsoft's shares peaked in December 1999. After the dot-com bust they went sideways for years, and the stock only passed that high in October 2016.
The financial crisis
November 2007 to November 2013
From the peak on 1 November 2007 the stock lost more than half its value by 9 March 2009, and did not fully recover until 6 November 2013.
The 2022 sell-off
November 2021 to June 2023
From the peak on 19 November 2021 the stock fell by more than a third by 3 November 2022, then climbed back to its old peak by 15 June 2023.
Each time, the stock got back. The question for you is how long you can wait, and how much of your wealth is waiting with it.
Price moves only, dividends not included. This is history, not a forecast. Sources: Fortune, Oct 2016, GeekWire, Oct 2016, Trefis, Jan 2026.
| Ticker | NASDAQ: MSFT |
|---|---|
| Incorporated in | United States |
Example value. Swap in the latest price.
Saved rate from 7 Oct 2026. Change it to use your own.
The tax rules for RSUs of a US-listed company are broadly the same whichever employer you have: tax on vest day, capital gains when you sell, and Schedule FA to disclose the shares.
Plan details vary by company and even by grant, so your grant documents are the final word. Look for these:
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