# Do you sell your RSUs as soon as they vest? **URL:** \ **Category:** Finance/Investments\ **Created:** [February 10, 2023, 4:51pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295 "2023-02-10T16:51:37Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![colonelsmoothie](https://community.goactuary.com/user_avatar/community.goactuary.com/colonelsmoothie/32/136_2.png) [@colonelsmoothie](https://community.goactuary.com/u/colonelsmoothie)\ **Post date:** [February 10, 2023, 4:51pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/1 "2023-02-10T16:51:38Z")
Exam 9 says you should, I was wondering if you guys actually follow the advice of our syllabus. ---
**Author:** ![John.S.Mill](https://community.goactuary.com/user_avatar/community.goactuary.com/john.s.mill/32/9771_2.png) [@John.S.Mill](https://community.goactuary.com/u/John.S.Mill)\ **Post date:** [February 10, 2023, 5:04pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/2 "2023-02-10T17:04:19Z")
> [@colonelsmoothie](#): > > Exam 9 says you should where ---
**Author:** ![Vorian\_Atreides](https://community.goactuary.com/user_avatar/community.goactuary.com/vorian_atreides/32/94923_2.png) [@Vorian\_Atreides](https://community.goactuary.com/u/Vorian_Atreides)\ **Post date:** [February 10, 2023, 5:04pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/3 "2023-02-10T17:04:26Z")
Rodents of Superior Utilization? I don’t believe they exist let alone put on a vest . . . ---
**Author:** ![1695814](https://community.goactuary.com/user_avatar/community.goactuary.com/1695814/32/38506_2.png) [@1695814](https://community.goactuary.com/u/1695814)\ **Post date:** [February 10, 2023, 5:05pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/4 "2023-02-10T17:05:40Z")
Rochester State University ---
**Author:** ![Vorian\_Atreides](https://community.goactuary.com/user_avatar/community.goactuary.com/vorian_atreides/32/94923_2.png) [@Vorian\_Atreides](https://community.goactuary.com/u/Vorian_Atreides)\ **Post date:** [February 10, 2023, 5:07pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/5 "2023-02-10T17:07:05Z")
> [@1695814](#): > > Rochester State I don’t believe in them, either. ---
**Author:** ![1695814](https://community.goactuary.com/user_avatar/community.goactuary.com/1695814/32/38506_2.png) [@1695814](https://community.goactuary.com/u/1695814)\ **Post date:** [February 10, 2023, 5:08pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/6 "2023-02-10T17:08:01Z")
I think they have a dentist school. You’re an anti-dentite. (P.s., full ride scholarship if your name is Crentist.) ---
**Author:** ![Vorian\_Atreides](https://community.goactuary.com/user_avatar/community.goactuary.com/vorian_atreides/32/94923_2.png) [@Vorian\_Atreides](https://community.goactuary.com/u/Vorian_Atreides)\ **Post date:** [February 10, 2023, 5:10pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/7 "2023-02-10T17:10:10Z")
> [@1695814](#): > > anti-dentite last I checked . . . that wasn’t a protected class . . . at least they haven’t hired security guards that I’ve seen My apologies to CS for such a tangent to the thread 😬 ---
**Author:** ![colonelsmoothie](https://community.goactuary.com/user_avatar/community.goactuary.com/colonelsmoothie/32/136_2.png) [@colonelsmoothie](https://community.goactuary.com/u/colonelsmoothie)\ **Post date:** [February 10, 2023, 5:13pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/8 "2023-02-10T17:13:57Z")
the part where it talks about RSUs ---
**Author:** ![John.S.Mill](https://community.goactuary.com/user_avatar/community.goactuary.com/john.s.mill/32/9771_2.png) [@John.S.Mill](https://community.goactuary.com/u/John.S.Mill)\ **Post date:** [February 10, 2023, 5:15pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/9 "2023-02-10T17:15:02Z")
Don’t remember that at all. Why would it talk about that ---
**Author:** ![colonelsmoothie](https://community.goactuary.com/user_avatar/community.goactuary.com/colonelsmoothie/32/136_2.png) [@colonelsmoothie](https://community.goactuary.com/u/colonelsmoothie)\ **Post date:** [February 10, 2023, 5:16pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/10 "2023-02-10T17:16:53Z")
RSUs are correlated with your base pay so you should sell them and diversify your holdings ---
**Author:** ![NormalDan](https://community.goactuary.com/user_avatar/community.goactuary.com/normaldan/32/1013_2.png) [@NormalDan](https://community.goactuary.com/u/NormalDan)\ **Post date:** [February 10, 2023, 5:24pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/11 "2023-02-10T17:24:20Z")
Yes, I’m amazed how many people in actuarial I talk to who don’t immediately sell their RSU/ESPP shares with faulty reasonings like having a bullish sense of the company. ---
**Author:** ![Maphistos\_Sidekick](https://community.goactuary.com/user_avatar/community.goactuary.com/maphistos_sidekick/32/84973_2.png) [@Maphistos\_Sidekick](https://community.goactuary.com/u/Maphistos_Sidekick)\ **Post date:** [February 10, 2023, 5:56pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/12 "2023-02-10T17:56:31Z")
Back when it was an option for me, I mostly divested as soon as I was allowed to. It’s OK to hold a few shares of your employer, either as a small component of a diversified portfolio, or with discretionary funds…but I would get indigestion from the aggregation of (risk of the stock price dropping) and (risk the company having issues that cost me a job), and I dislike the restrictions on trading that can arise if you qualify as an insider. ---
**Author:** ![Breadmaker](https://community.goactuary.com/user_avatar/community.goactuary.com/breadmaker/32/83065_2.png) [@Breadmaker](https://community.goactuary.com/u/Breadmaker)\ **Post date:** [February 10, 2023, 6:09pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/13 "2023-02-10T18:09:00Z")
I feel sorry for Enron employees who got caught in this trap. ---
**Author:** ![The\_President](https://community.goactuary.com/user_avatar/community.goactuary.com/the_president/32/70075_2.png) [@The\_President](https://community.goactuary.com/u/The_President)\ **Post date:** [February 10, 2023, 7:18pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/14 "2023-02-10T19:18:01Z")
I sold them as soon as I could the first few years I received them, but kept them the last few years for a couple of reasons. It is not a significant portion of my savings. ---
**Author:** ![CuriousGeorge](https://community.goactuary.com/user_avatar/community.goactuary.com/curiousgeorge/32/28457_2.png) [@CuriousGeorge](https://community.goactuary.com/u/CuriousGeorge)\ **Post date:** [February 10, 2023, 8:28pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/15 "2023-02-10T20:28:48Z")
> [@colonelsmoothie](#): > > the part where it talks about RSUs Which it doesn’t, as far as I can tell. ---
**Author:** ![John.S.Mill](https://community.goactuary.com/user_avatar/community.goactuary.com/john.s.mill/32/9771_2.png) [@John.S.Mill](https://community.goactuary.com/u/John.S.Mill)\ **Post date:** [February 10, 2023, 8:34pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/16 "2023-02-10T20:34:41Z")
RSUs and actuaries are pretty disconnected. Unless you work in tech or a start up ---
**Author:** ![DeepPurple](https://community.goactuary.com/user_avatar/community.goactuary.com/deeppurple/32/1551_2.png) [@DeepPurple](https://community.goactuary.com/u/DeepPurple)\ **Post date:** [February 10, 2023, 8:47pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/17 "2023-02-10T20:47:46Z")
I don’t think there’s a choice. They always settle in cash. In that sense, they are RSUs and not restricted shares. This kinda sucks because they are taxed at your ordinary income rate and not the capital gains tax rate, which would usually be cheaper. ---
**Author:** ![NormalDan](https://community.goactuary.com/user_avatar/community.goactuary.com/normaldan/32/1013_2.png) [@NormalDan](https://community.goactuary.com/u/NormalDan)\ **Post date:** [February 10, 2023, 8:48pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/18 "2023-02-10T20:48:52Z")
Is deferred comp that rare? ---
**Author:** ![John.S.Mill](https://community.goactuary.com/user_avatar/community.goactuary.com/john.s.mill/32/9771_2.png) [@John.S.Mill](https://community.goactuary.com/u/John.S.Mill)\ **Post date:** [February 10, 2023, 8:51pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/19 "2023-02-10T20:51:14Z")
in the form of stock? for insurance? I haven’t seen any. I’ve worked at companies where you can buy company stocks and they may match a percentage, but that’s different. ---
**Author:** ![Klaymen](https://community.goactuary.com/user_avatar/community.goactuary.com/klaymen/32/194_2.png) [@Klaymen](https://community.goactuary.com/u/Klaymen)\ **Post date:** [February 10, 2023, 9:33pm UTC](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295/20 "2023-02-10T21:33:17Z")
13% of my total compensation was stock and options last year, and I’m not even that high up on the totem pole.. Just means I have to wait longer to get it. [Next page](https://community.goactuary.com/t/do-you-sell-your-rsus-as-soon-as-they-vest/7295.md?page=2)