# Too many eggs in one basket? How big is your RSU bet? *For Indians holding US-company RSUs* Your salary and your RSUs ride on one company. If it has a bad year, both can be hit. Two numbers, about a minute, and what you type stays in your browser. [Tax, vesting and Schedule FA tools](https://rsu-hub.vercel.app/tools/) What-if, for example ₹25,00,000 in RSUs, ₹50,00,000 elsewhere **Share of net worth** 33% to 23% **If the stock falls 40%** –₹10,00,000 **After diversifying 30%** –₹7,00,000 **Wealth protected** ₹3,00,000 The money moved stays flat here. If the stock rose 40%, you would give up ₹3,00,000 of gain. Tools ## Your RSUs, minus the confusion Six small tools for the maths. Whatever you type stays in your browser. ### [RSU value in ₹](https://rsu-hub.vercel.app/tools/rsu-value-calculator/) Units × price × rupee rate. See the pile in ₹. ### [Sell-to-cover calculator](https://rsu-hub.vercel.app/tools/sell-to-cover-calculator/) How many shares vanish to TDS on vest day? ### [Holding period checker](https://rsu-hub.vercel.app/tools/holding-period-checker/) Short-term or long-term? And when does it flip? ### [Vest calendar (.ics)](https://rsu-hub.vercel.app/tools/vest-calendar/) Every vest date in your calendar, with a reminder. ### [Diversification calculator](https://rsu-hub.vercel.app/tools/diversification-calculator/) How much of your net worth rides on one stock? ### [Tax calendar](https://rsu-hub.vercel.app/tools/tax-calendar/) The dates that matter, with a countdown. Questions everyone asks ## Wait, so how does this work? ### [Do I owe tax even if I don't sell?](https://rsu-hub.vercel.app/guides/how-rsus-are-taxed-in-india/) ### [What is sell-to-cover?](https://rsu-hub.vercel.app/guides/what-is-an-rsu/) ### [What even is Schedule FA?](https://rsu-hub.vercel.app/guides/schedule-fa-for-rsu-holders/) ### [When does my gain turn long-term?](https://rsu-hub.vercel.app/tools/holding-period-checker/) ### [Is it risky to hold lots of one stock?](https://rsu-hub.vercel.app/guides/why-diversify-your-rsus/) Concentration risk ## Why one stock is riskier than it feels - **Your pay and your shares move together.** If the company has a bad year, your bonus, your job and your RSUs can all be hit at once. - **Even strong companies can take years to recover.** Microsoft took about 17 years to get back above its 1999 high. [See how its stock has behaved](https://rsu-hub.vercel.app/companies/microsoft/). - **Diversifying doesn't promise more money.** It limits how much one stock can hurt you. Many tech employees end up with a big share of their net worth in one company's stock. In a survey of more than 1,000 tech workers, some held as much as 90% of their wealth in their employer's stock. Source: [Candor survey of 1,000+ tech workers, reported by a16z Future](https://future.com/equity-compensation-in-tech/). US tech workers. No India-specific data found. [Try the what-if](https://rsu-hub.vercel.app/tools/diversification-calculator/) [Read why it matters](https://rsu-hub.vercel.app/guides/why-diversify-your-rsus/) Partner ### RSU Hub has partnered with Borderless Borderless lets you open a US broker account from India, so you can diversify your existing US stocks in one place. [Diversify](https://rsu-hub.vercel.app/diversify/?from=home) History, for example Microsoft stock **The long wait** About 17 years **The financial crisis** –59%, 6 years **The 2022 sell-off** –38%, 7 months Price moves only, dividends not included. This is history, not a forecast. [See the dates and sources](https://rsu-hub.vercel.app/companies/microsoft/). Guides ## New here? Start here Plain-English guides with rupee examples. No finance degree needed. Tax ### [How RSUs are taxed in India](https://rsu-hub.vercel.app/guides/how-rsus-are-taxed-in-india/) How RSUs are taxed in India: tax on vest day, TDS and sell-to-cover, capital gains and the 24-month rule, with a worked ₹ example. Filing and compliance ### [Schedule FA for RSU holders](https://rsu-hub.vercel.app/guides/schedule-fa-for-rsu-holders/) Schedule FA for RSU holders in India: who files it, the calendar-year window, what to report for foreign shares and what happens if you miss it. Basics ### [What is an RSU? A guide for employees in India](https://rsu-hub.vercel.app/guides/what-is-an-rsu/) RSUs explained for people working in India: grant, vesting, sell-to-cover and what happens if you leave. No finance degree needed. Companies ## Where do you work? Pick your employer for the facts that matter to you. - [Amazon](https://rsu-hub.vercel.app/companies/amazon/) - [Google (Alphabet)](https://rsu-hub.vercel.app/companies/google/) - [Microsoft](https://rsu-hub.vercel.app/companies/microsoft/) - [Meta](https://rsu-hub.vercel.app/companies/meta/) - [Apple](https://rsu-hub.vercel.app/companies/apple/) - [Adobe](https://rsu-hub.vercel.app/companies/adobe/) - [Salesforce](https://rsu-hub.vercel.app/companies/salesforce/) - [Oracle](https://rsu-hub.vercel.app/companies/oracle/) - [Cisco](https://rsu-hub.vercel.app/companies/cisco/) - [Intel](https://rsu-hub.vercel.app/companies/intel/) - [NVIDIA](https://rsu-hub.vercel.app/companies/nvidia/) - [Accenture](https://rsu-hub.vercel.app/companies/accenture/) - [Cognizant](https://rsu-hub.vercel.app/companies/cognizant/) - [Uber](https://rsu-hub.vercel.app/companies/uber/) - [Atlassian](https://rsu-hub.vercel.app/companies/atlassian/) - [Goldman Sachs](https://rsu-hub.vercel.app/companies/goldman-sachs/) - [JPMorgan Chase](https://rsu-hub.vercel.app/companies/jpmorgan/) [See every company](https://rsu-hub.vercel.app/companies/) Trust ## Why you can trust this ### One rulebook Every rate, threshold and deadline lives in a single file. Fix it once and every page and tool is fixed. ### Dated pages Every guide shows when it was last updated, so you know how fresh it is. ### Private by design The calculators run in your browser, so nothing you type is sent anywhere. --- Source: https://rsu-hub.vercel.app/