Sell at Vest or Hold? The RSU Decision Indian H-1B Workers Keep Getting Wrong

Most Indian H-1B tech workers know they should sell their RSUs at vest. Then they don't. They hold. And the reason is almost never the one they tell themselves.

If you're a Staff Engineer, Senior Manager, or Principal at Google, Meta, Amazon, NVIDIA, Qualcomm, Intel, or Apple — on H-1B, in the EB-2 or EB-3 India backlog, with $400K or more in employer stock — this video is for you.

Generic advisors tell you to diversify. They don't tell you that holding your employer's stock while your visa depends on that same employer is a structurally different bet than the one a US citizen is making. Same shares. Same company. Different math.

In this video:

What is the Triple Lock scenario most H1Bs overlook.
What actually happens to your unvested RSUs in a layoff, and the 60-day window that compresses every decision after.
The concentration-percentage threshold that should drive the sell-or-hold decision, and why most Indian tech workers blow past it without noticing.

The sequencing rule I use to decide what to sell, what to hold, and in what order

No product pitch. No fund recommendations. Just the framework I wish someone had handed me when I arrived in this country at 43 with no map.

Video 2 of 12 in Two Countries, One Plan — a weekly series for Indian tech professionals architecting a life across the US and India.

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Видео Sell at Vest or Hold? The RSU Decision Indian H-1B Workers Keep Getting Wrong канала Kingshuk | Financial Systems Architect