With all the LRs Is it best to just sell vested RSUs ? It doesn't seem like the stock is going to get any better.
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Sell off $500 a month and put proceeds into a Roth. If under 50, you can do $6000 a year (so $500 a month). Just put it in an index fund like FSKAX (Fidelity US Stock Market Index Fund). You can always take the principle out at any time before 59 1/2. Safe and diverse, plus principle is good regular savings backup fund.
Sell RSU isn't a bad idea unless you think stock will explode. Income tax is already taken out in the form of some of your shares and you can freely invest the proceeds.
On the other hand, it is usually good to hold ESPP as you delay tax costs and get the dividends. And the offering price is so low right now the tax costs could be significant.
To sell it once you receive it.Then if you really trust cisco you can buy it in stock market,and you can keep cisco stock even though you leave .
Just wondering how you are defining “getting better “. I’ve seen good growth with mine.
Oh and they don’t gain 15% upon vest. That’s ESPP. If you don’t understand what you’re investing in, you deserve to lose all your money.
winners diversify into assets that grow in value
losers sell their Rsu for the 15% gain upon vest , some of us are smart and keep them for the dividends and let them roll till we retire to our beach home.
Sell the RSU's while they have value. You can move the funds over to Treasuries where you can get stable income. CSCO's best years are behind them.
Personally, I would dump Cisco stock as it became available as at the time Cisco was a significant component of many of the mutual funds and this put me in an uncomfortable level of exposure with too many eggs in the Cisco basket.
Did I miss out on some of the Cisco run ups over the years ? Yes, to a certain extent, but I dodged the big drops too.
I do this because I remembered several major companies who had the bottom fall out and creamed a lot of people's retirement savings.
Yeah I sell them immediately for the most part. The stock price since I was hired has been completely flat so I can usually make more interest elsewhere.